ZSE:HPB Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Interest Income on Loans	247.27	226.27	258.61	191.37	103.06	73.13
Interest Income on Investments	1.69	1.68	2.51	1.59	1.48	0.89
Total Interest Income	248.96	227.95	261.12	192.96	104.53	74.02
Interest Paid on Deposits	84.33	73.69	83.16	28.65	7.37	4.27
Interest Paid on Borrowings	0.23	0.23	0.22	0.1	0.02	0.01
Total Interest Expense	84.56	73.92	83.38	28.75	7.4	4.28
Net Interest Income	164.39	154.03	177.73	164.21	97.14	69.74
Net Interest Income Growth	3.57%	-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	0.03	0.02	0.28	-
Other Non-Interest Income	58.61	48.41	45.94	47.48	35.15	40.1
Total Non-Interest Income	58.64	48.44	45.97	47.5	35.85	40.77
Non-Interest Income Growth	24.20%	5.37%	-3.22%	32.49%	-12.07%	12.58%
Revenues Before Loan Losses	223.04	202.47	223.7	211.71	132.99	110.51
Provision for Loan Losses	5.61	3.56	14.36	5.9	23.69	9.04
Revenue	217.43	198.91	209.34	205.8	109.3	101.47
Revenue Growth	5.73%	-4.98%	1.72%	88.29%	7.71%	10.03%
Occupancy Expenses	13.73	13.73	13.37	14.49	13.03	9.02
Selling, General & Administrative	88.44	86.13	79.58	79.21	74.35	47.65
Other Non-Interest Expense	25.73	27.97	27.73	12.1	25.88	12.29
Total Non-Interest Expense	132.92	127.84	120.68	105.8	113.25	68.96
EBT Excluding Unusual Items	84.51	71.07	88.66	100	-3.96	32.51
Asset Writedown	0.66	0.83	1.4	-2.78	-0.99	0.28
Other Unusual Items	-	-	-	-	135.21	-
Pretax Income	85.17	71.91	90.05	97.22	130.27	32.79
Income Tax Expense	13.56	13.14	16.52	14.14	3.6	5.83
Net Income	71.61	58.77	73.54	83.09	126.67	26.96
Net Income to Common	71.61	58.77	73.54	83.09	126.67	26.96
Net Income Growth	11.97%	-20.08%	-11.50%	-34.40%	369.80%	11.00%
Basic Shares Outstanding	2	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2	2
Shares Change	-	-0.00%	-	-	0.04%	-
EPS (Basic)	35.37	29.03	36.32	41.04	62.56	13.32
EPS (Diluted)	35.37	29.03	36.32	41.04	62.56	13.32
EPS Growth	11.97%	-20.08%	-11.50%	-34.40%	369.62%	11.00%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Dividend Per Share	-	-	21.830	23.900	2.610	-
Dividend Growth	-	-	-8.66%	815.71%	-	-
Effective Tax Rate	15.93%	18.27%	18.34%	14.54%	2.76%	17.78%