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	227.95	258.61	191.37	103.06	73.13
Interest Income on Investments	0.24	2.51	1.59	1.48	0.89
Total Interest Income	228.19	261.12	192.96	104.53	74.02
Interest Paid on Deposits	73.92	83.16	28.65	7.37	4.27
Interest Paid on Borrowings	-	0.22	0.1	0.02	0.01
Total Interest Expense	73.92	83.38	28.75	7.4	4.28
Net Interest Income	154.27	177.73	164.21	97.14	69.74
Net Interest Income Growth (YoY)	-13.20%	8.24%	69.05%	39.29%	-2.00%
Income From Trading Activities	5.62	-	-	-	-
Gain (Loss) on Sale of Assets	-	1.4	0.09	0.42	0.67
Gain (Loss) on Sale of Investments	0.02	0.03	0.02	0.28	-
Other Non-Interest Income	39.15	45.94	47.48	35.15	40.1
Total Non-Interest Income	44.79	47.36	47.59	35.85	40.77
Non-Interest Income Growth (YoY)	-5.42%	-0.47%	32.74%	-12.07%	12.58%
Revenues Before Loan Losses	199.06	225.1	211.8	132.99	110.51
Provision for Loan Losses	-	14.36	5.9	23.69	9.04
Revenue	199.06	210.73	205.89	109.3	101.47
Revenue Growth (YoY)	-5.54%	2.35%	88.38%	7.71%	10.03%
Occupancy Expenses	15.78	13.37	14.49	13.03	9.02
Selling, General & Administrative	102.56	79.58	79.21	74.35	47.65
Other Non-Interest Expense	10.33	27.73	12.1	25.88	12.29
Total Non-Interest Expense	128.67	120.68	105.8	113.25	68.96
EBT Excluding Unusual Items	70.39	90.05	100.09	-3.96	32.51
Asset Writedown	1.51	-	-2.87	-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)	-	-	-	0.04%	-
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.