ZSE:HPB Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Interest Income on Loans	226.27	258.61	191.37	103.06	73.13
Interest Income on Investments	1.68	2.51	1.59	1.48	0.89
Total Interest Income	227.95	261.12	192.96	104.53	74.02
Interest Paid on Deposits	73.69	83.16	28.65	7.37	4.27
Interest Paid on Borrowings	0.23	0.22	0.1	0.02	0.01
Total Interest Expense	73.92	83.38	28.75	7.4	4.28
Net Interest Income	154.03	177.73	164.21	97.14	69.74
Net Interest Income Growth (YoY)	-13.34%	8.24%	69.05%	39.29%	-2.00%
Gain (Loss) on Sale of Assets	-	-	-	0.42	0.67
Gain (Loss) on Sale of Investments	0.03	0.03	0.02	0.28	-
Other Non-Interest Income	48.41	45.94	47.48	35.15	40.1
Total Non-Interest Income	48.44	45.97	47.5	35.85	40.77
Non-Interest Income Growth (YoY)	5.37%	-3.22%	32.49%	-12.07%	12.58%
Revenues Before Loan Losses	202.47	223.7	211.71	132.99	110.51
Provision for Loan Losses	3.56	14.36	5.9	23.69	9.04
Revenue	198.91	209.34	205.8	109.3	101.47
Revenue Growth (YoY)	-4.98%	1.72%	88.29%	7.71%	10.03%
Occupancy Expenses	13.73	13.37	14.49	13.03	9.02
Selling, General & Administrative	86.13	79.58	79.21	74.35	47.65
Other Non-Interest Expense	27.97	27.73	12.1	25.88	12.29
Total Non-Interest Expense	127.84	120.68	105.8	113.25	68.96
EBT Excluding Unusual Items	71.07	88.66	100	-3.96	32.51
Asset Writedown	0.83	1.4	-2.78	-0.99	0.28
Other Unusual Items	-	-	-	135.21	-
Pretax Income	71.91	90.05	97.22	130.27	32.79
Income Tax Expense	13.14	16.52	14.14	3.6	5.83
Net Income	58.77	73.54	83.09	126.67	26.96
Net Income to Common	58.77	73.54	83.09	126.67	26.96
Net Income Growth	-20.08%	-11.50%	-34.40%	369.80%	11.00%
Basic Shares Outstanding	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2
Shares Change (YoY)	-0.00%	-	-	0.04%	-
EPS (Basic)	29.03	36.32	41.04	62.56	13.32
EPS (Diluted)	29.03	36.32	41.04	62.56	13.32
EPS Growth	-20.08%	-11.50%	-34.40%	369.62%	11.00%
Dividend Per Share	-	21.830	23.900	2.610	-
Dividend Growth	-	-8.66%	815.71%	-	-
Effective Tax Rate	18.27%	18.34%	14.54%	2.76%	17.78%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.