ZSE:HPB Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	232.64	258.61	191.37	103.06	73.13	77.55
Interest Income on Investments	2.52	2.51	1.59	1.48	0.89	-
Total Interest Income	235.16	261.12	192.96	104.53	74.02	77.55
Interest Paid on Deposits	76.21	83.16	28.65	7.37	4.27	6.39
Interest Paid on Borrowings	0.22	0.22	0.1	0.02	0.01	-
Total Interest Expense	76.43	83.38	28.75	7.4	4.28	6.39
Net Interest Income	158.73	177.73	164.21	97.14	69.74	71.16
Net Interest Income Growth (YoY)	-11.97%	8.24%	69.05%	39.29%	-2.00%	-2.92%
Gain (Loss) on Sale of Assets	1.4	1.4	0.09	0.42	0.67	0.31
Gain (Loss) on Sale of Investments	0.04	0.03	0.02	0.28	-	-
Other Non-Interest Income	47.58	45.94	47.48	35.15	40.1	35.91
Total Non-Interest Income	49.94	47.36	47.59	35.85	40.77	36.22
Non-Interest Income Growth (YoY)	4.69%	-0.47%	32.74%	-12.07%	12.58%	-21.62%
Revenues Before Loan Losses	208.67	225.1	211.8	132.99	110.51	107.38
Provision for Loan Losses	0.31	14.36	5.9	23.69	9.04	15.15
Revenue	208.36	210.73	205.89	109.3	101.47	92.22
Revenue Growth (YoY)	-1.81%	2.35%	88.38%	7.71%	10.03%	-6.13%
Occupancy Expenses	13.43	13.37	14.49	13.03	9.02	10.15
Selling, General & Administrative	81.8	79.58	79.21	74.35	47.65	46.83
Other Non-Interest Expense	34.7	27.73	12.1	25.88	12.29	4.04
Total Non-Interest Expense	129.94	120.68	105.8	113.25	68.96	61.02
EBT Excluding Unusual Items	78.42	90.05	100.09	-3.96	32.51	31.2
Asset Writedown	0.27	-	-2.87	-0.99	0.28	-0.93
Other Unusual Items	-	-	-	135.21	-	-
Pretax Income	78.69	90.05	97.22	130.27	32.79	30.28
Income Tax Expense	14.73	16.52	14.14	3.6	5.83	5.99
Net Income	63.96	73.54	83.09	126.67	26.96	24.29
Net Income to Common	63.96	73.54	83.09	126.67	26.96	24.29
Net Income Growth	-16.13%	-11.50%	-34.40%	369.80%	11.00%	23.03%
Basic Shares Outstanding	2	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2	2
Shares Change (YoY)	-	-	-	0.04%	-	-
EPS (Basic)	31.59	36.32	41.04	62.56	13.32	12.00
EPS (Diluted)	31.59	36.32	41.04	62.56	13.32	12.00
EPS Growth	-	-11.50%	-34.40%	369.62%	11.00%	23.04%
Dividend Per Share	-	-	23.900	2.610	-	-
Dividend Growth	-	-	815.71%	-	-	-
Effective Tax Rate	18.72%	18.34%	14.54%	2.76%	17.78%	19.77%

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