HCBK (MM)

Hudson City Bancorp, Inc. Announces Earnings Release Date PARAMUS, N.J., July 12 /PRNewswire-FirstCall/ -- Hudson City Bancorp, Inc. (NASDAQ:HCBK), the holding company for Hudson City Savings Bank, will report the results of operations for the three- and six-month periods ended June 30, 2005 on July 19, 2005. The earnings release, detailing the results of operations and financial condition of Hudson City Bancorp, will be issued after the close of equity markets on that date. Hudson City Bancorp maintains its corporate office in Paramus, New Jersey. Its wholly owned subsidiary, Hudson City Savings Bank, is a well-established community banking institution with a long-standing tradition of service excellence. Hudson City is recognized as one of the most efficient banks in the country, which enables it to deliver significant values to customers in the form of higher deposit yields, competitive mortgage rates, lower closing fees and a straight-forward, streamlined process. Hudson City, the largest savings bank headquartered in New Jersey, also serves customers throughout metropolitan New York and Philadelphia. Deposit accounts at Hudson City are FDIC-insured to the maximum allowed by law. This release may contain certain "forward looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995, and may be identified by the use of such words as "believe," "expect," "anticipate," "should," "planned," "estimated," and "potential." Examples of forward looking statements include, but are not limited to, estimates with respect to the financial condition, results of operations and business of Hudson City Bancorp that are subject to various factors which could cause actual results to differ materially from these estimates. These factors include, but are not limited to, general economic and market conditions, legislative and regulatory conditions, changes in interest rates that adversely affect Hudson City Bancorp's interest rate spread, changes in deposit flows, loan demand or real estate values and other economic, governmental, competitive, regulatory and technological factors that may affect Hudson City Bancorp's operations. DATASOURCE: Hudson City Bancorp, Inc. CONTACT: Louis J. Beierle, First Vice President, Investor Relations, Hudson City Bancorp, Inc., +1-201-967-8290 or Web site: http://www.hcbk.com/

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