FRA:3YB Balance Sheet

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

Millions CNY. 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
Cash & Equivalents	459,736	126,229	113,206	108,255	120,263	101,549
Investment Securities	7,404,668	5,797,735	5,376,692	4,756,631	4,184,119	4,033,921
Trading Asset Securities	1,053,512	1,030,826	890,670	865,688	756,650	430,421
Total Investments	8,458,180	6,828,561	6,267,362	5,622,319	4,940,769	4,464,342
Gross Loans	9,437,688	8,913,202	8,148,893	7,210,433	6,454,099	5,716,258
Allowance for Loan Losses	-	-229,058	-233,648	-232,723	-216,900	-203,897
Net Loans	9,437,688	8,684,144	7,915,245	6,977,710	6,237,199	5,512,361
Property, Plant & Equipment	60,777	71,942	67,008	65,747	67,238	61,031
Other Intangible Assets	-	6,663	6,027	5,408	2,162	2,307
Investments in Real Estate	-	-	5	8	28	45
Accrued Interest Receivable	-	6,004	4,990	4,908	4,832	3,582
Other Receivables	-	7,582	6,764	7,703	7,160	5,366
Restricted Cash	-	1,211,769	1,243,832	1,189,962	1,119,203	1,131,795
Other Current Assets	-	3,958	3,472	4,840	5,720	2,931
Long-Term Deferred Tax Assets	66,435	61,185	62,508	63,955	56,319	53,217
Other Real Estate Owned & Foreclosed	-	57	111	175	211	195
Other Long-Term Assets	122,837	42,195	20,905	11,236	24,200	13,253
Total Assets	18,605,653	17,084,910	15,726,631	14,067,282	12,587,873	11,353,263
Accrued Expenses	-	41,852	40,216	39,543	37,015	34,182
Interest Bearing Deposits	16,421,490	15,287,880	13,962,770	12,725,613	11,367,344	10,380,206
Non-Interest Bearing Deposits	-	135,260	88,496	69,547	143,604	65,733
Total Deposits	16,421,490	15,423,140	14,051,266	12,795,160	11,510,948	10,445,939
Short-Term Borrowings	514,905	227,861	310,794	253,625	99,700	90,797
Current Portion of Long-Term Debt	57,901	155,792	191,308	1,920	1,442	8,007
Current Portion of Leases	-	3,100	3,056	3,101	3,143	3,015
Current Income Taxes Payable	5,731	192	79	2,868	4,267	10,482
Other Current Liabilities	-	14,668	25	25	18	14
Long-Term Debt	314,439	133,487	130,042	99,990	79,984	49,967
Long-Term Leases	-	6,122	6,212	6,751	6,540	6,263
Long-Term Unearned Revenue	-	2,161	1,790	1,976	1,937	1,746
Pension & Post-Retirement Benefits	-	1,135	1,097	1,330	1,396	1,276
Long-Term Deferred Tax Liabilities	33	57	4	11	11	-
Other Long-Term Liabilities	125,279	43,694	34,126	35,168	45,923	28,645
Total Liabilities	17,439,778	16,053,261	14,770,015	13,241,468	11,792,324	10,680,333
Preferred Stock, Convertible	-	-	-	-	47,989	47,989
Preferred Stock, Other	-	-	-	-	-120	-120
Total Preferred Equity	-	-	-	-	47,869	47,869
Common Stock	120,095	99,161	99,161	92,384	92,384	86,979
Additional Paid-In Capital	-	160,252	160,252	122,049	122,049	97,469
Retained Earnings	322,311	558,770	518,010	462,458	406,312	353,331
Comprehensive Income & Other	721,257	211,486	177,450	147,334	125,477	86,151
Total Common Equity	1,163,663	1,029,669	954,873	824,225	746,222	623,930
Minority Interest	2,212	1,980	1,743	1,589	1,458	1,131
Shareholders' Equity	1,165,875	1,031,649	956,616	825,814	795,549	672,930
Total Liabilities & Equity	18,605,653	17,084,910	15,726,631	14,067,282	12,587,873	11,353,263
Total Debt	887,245	526,362	641,412	365,387	190,809	158,049
Net Cash (Debt)	2,605,239	1,748,004	1,602,119	1,567,688	1,503,625	913,940
Net Cash Growth	-2.00%	9.11%	2.20%	4.26%	64.52%	44.80%
Net Cash Per Share	24.56	17.63	16.43	16.97	16.52	10.52
Filing Date Shares Outstanding	120,095	99,161	99,161	92,384	92,384	86,979
Total Common Shares Outstanding	120,095	99,161	99,161	92,384	92,384	86,979
Book Value Per Share	8.44	8.37	7.92	7.41	6.89	6.25
Tangible Book Value	1,163,663	1,023,006	948,846	818,817	744,060	621,623
Tangible Book Value Per Share	8.44	8.30	7.85	7.35	6.86	6.23

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