HFCB Group Balance Sheet

Financials in millions KES. Fiscal year is January - December.

Millions KES. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	466.58	1,353	3,513	1,867	848.69	1,186
Investment Securities	37,218	29,363	17,348	10,737	9,938	8,055
Trading Asset Securities	-	962.54	952.94	-	-	-
Total Investments	37,218	30,325	18,301	10,737	9,938	8,055
Gross Loans	41,752	45,552	42,847	42,428	39,731	38,049
Allowance for Loan Losses	-	-4,444	-3,986	-3,640	-3,432	-3,357
Net Loans	41,752	41,108	38,861	38,788	36,299	34,693
Property, Plant & Equipment	1,240	1,283	1,020	986.74	1,072	1,590
Other Intangible Assets	492.64	494.02	316.32	277.9	332.59	519.87
Investments in Real Estate	1,905	1,905	1,905	1,885	1,849	1,699
Other Receivables	269.06	2,087	1,827	1,653	1,442	873.78
Restricted Cash	1,997	1,669	1,422	1,475	1,564	1,596
Other Current Assets	-	447.54	750.04	773.84	657.88	625.16
Long-Term Deferred Tax Assets	1,069	1,230	1,654	1,764	1,571	1,568
Other Real Estate Owned & Foreclosed	-	810.79	965.91	961.53	997.45	381.2
Other Long-Term Assets	4,116	634.14	548.77	380.21	380.21	380.21
Total Assets	90,525	83,346	71,085	61,550	56,951	53,166
Accounts Payable	-	1,773	1,977	1,461	1,086	417.79
Accrued Expenses	-	333.47	307.8	87.33	338.9	328.64
Interest Bearing Deposits	65,480	56,897	47,859	43,851	39,821	38,317
Total Deposits	65,480	56,897	47,859	43,851	39,821	38,317
Short-Term Borrowings	-	946.78	937.14	1,502	513.05	28.98
Current Portion of Long-Term Debt	-	1,096	2,047	2,954	3,330	3,889
Current Portion of Leases	-	63.8	68.06	84	103.88	142.81
Other Current Liabilities	0.25	531.02	471.73	398.97	167.37	112.63
Long-Term Debt	2,194	2,506	696.4	839.34	1,041	462.66
Long-Term Leases	-	115.53	124.76	177.52	330.6	436.59
Long-Term Unearned Revenue	-	98.24	398.57	392.78	383.18	303.83
Long-Term Deferred Tax Liabilities	0.9	-	0.9	0.49	-	-
Other Long-Term Liabilities	4,369	1,312	575.61	937.08	1,112	496.23
Total Liabilities	72,044	65,672	55,465	52,685	48,226	44,935
Common Stock	9,427	9,427	9,427	1,923	1,923	1,923
Additional Paid-In Capital	2,649	2,649	2,649	4,344	4,344	4,344
Retained Earnings	3,946	3,467	2,055	1,592	1,204	938.27
Comprehensive Income & Other	2,458	2,130	1,488	1,007	1,255	1,026
Shareholders' Equity	18,481	17,674	15,620	8,865	8,725	8,231
Total Liabilities & Equity	90,525	83,346	71,085	61,550	56,951	53,166
Total Debt	2,194	4,728	3,874	5,556	5,318	4,960
Net Cash (Debt)	-13.02	-2,412	592.26	-3,689	-4,469	-3,774
Net Cash Per Share	-0.01	-1.28	1.02	-9.59	-11.62	-9.81
Filing Date Shares Outstanding	1,885	1,885	1,885	384.61	384.61	384.61
Total Common Shares Outstanding	1,885	1,885	1,885	384.61	384.61	384.61
Book Value Per Share	9.80	9.37	8.28	23.05	22.69	21.40
Tangible Book Value	17,989	17,180	15,304	8,587	8,393	7,711
Tangible Book Value Per Share	9.54	9.11	8.12	22.33	21.82	20.05