Hypothekarbank Lenzburg AG (SWX:HBLN)

SWX:HBLN Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	106.62	100.84	55.95	52.81	55.09
Interest Income on Investments	10.8	8.41	7.39	6.17	6.25
Total Interest Income	117.42	109.25	63.34	58.98	61.34
Interest Paid on Deposits	35.22	22.81	3.18	1.84	4.52
Net Interest Income	82.2	86.44	60.17	57.14	56.82
Net Interest Income Growth (YoY)	-4.91%	43.67%	5.29%	0.57%	2.69%
Income From Trading Activities	4	3.79	4.03	3.31	2.9
Gain (Loss) on Sale of Investments	0.02	-	0.68	6.56	5.07
Gain (Loss) on Sale of Equity Investments	-	0.59	0.51	-	-
Other Non-Interest Income	27.56	22.8	21.29	22.74	20.04
Total Non-Interest Income	31.76	27.37	26.64	32.84	28.23
Non-Interest Income Growth (YoY)	16.06%	2.74%	-18.89%	16.33%	9.40%
Revenues Before Loan Losses	113.96	113.81	86.8	89.98	85.05
Provision for Loan Losses	0.61	2.73	-1.01	-0.78	0.08
Revenue	113.35	111.08	87.82	90.76	84.97
Revenue Growth (YoY)	2.04%	26.49%	-3.24%	6.82%	2.67%
Salaries and Employee Benefits	47.52	42.37	38.17	35.44	34.76
Occupancy Expenses	9.09	7.38	4.75	14.09	12.68
Selling, General & Administrative	28.04	25.95	20.37	19.49	16.33
Other Non-Interest Expense	5.44	9.86	3.19	0.03	0.36
Total Non-Interest Expense	90.08	85.56	66.48	69.04	64.13
EBT Excluding Unusual Items	23.27	25.52	21.34	21.72	20.84
Other Unusual Items	-	-	0.25	-	-
Pretax Income	23.27	25.52	21.59	21.72	20.84
Income Tax Expense	2.81	4.24	3.56	3.47	2.77
Net Income	20.46	21.28	18.03	18.25	18.08
Net Income to Common	20.46	21.28	18.03	18.25	18.08
Net Income Growth	-3.86%	18.04%	-1.21%	0.96%	-14.12%
Basic Shares Outstanding	-	0	0	0	0
Diluted Shares Outstanding	-	0	0	0	0
Shares Change (YoY)	-	-0.07%	0.05%	0.08%	-0.39%
EPS (Basic)	-	296.58	251.08	254.27	252.06
EPS (Diluted)	-	296.58	251.08	254.27	252.06
EPS Growth	-	18.12%	-1.25%	0.88%	-13.78%
Dividend Per Share	120.000	120.000	115.000	115.000	110.000
Dividend Growth	0%	4.35%	0%	4.55%	0%
Effective Tax Rate	12.06%	16.61%	16.48%	15.98%	13.27%

Source: S&P Capital IQ. Banks template. Financial Sources.