Harbin Bank Income Statement

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
Interest Income on Loans	29,002	30,273	29,719	26,065	26,448	29,004
Interest Paid on Deposits	19,252	20,436	20,170	17,058	16,387	16,695
Net Interest Income	9,750	9,837	9,549	9,007	10,061	12,309
Net Interest Income Growth (YoY)	-8.36%	3.02%	6.02%	-10.47%	-18.26%	5.25%
Income From Trading Activities	2,425	2,425	2,692	2,423	1,129	1,200
Gain (Loss) on Sale of Assets	-8.73	-21.78	-7.63	0.07	124.94	-1.8
Gain (Loss) on Sale of Investments	1,522	1,522	264.93	416.4	247.07	216.92
Other Non-Interest Income	1,584	481.62	743.57	1,024	758.01	882.04
Total Non-Interest Income	5,521	4,406	3,693	3,863	2,259	2,297
Non-Interest Income Growth (YoY)	44.05%	19.32%	-4.42%	71.06%	-1.68%	-33.01%
Revenues Before Loan Losses	15,271	14,243	13,242	12,871	12,320	14,606
Provision for Loan Losses	8,553	8,073	6,958	6,584	6,701	8,301
Revenue	6,718	6,170	6,284	6,286	5,619	6,305
Revenue Growth (YoY)	9.53%	-1.81%	-0.04%	11.88%	-10.88%	-36.59%
Salaries and Employee Benefits	2,578	2,578	2,645	2,503	2,334	2,427
Occupancy Expenses	837.08	837.08	902.76	865.33	910.72	942.87
Selling, General & Administrative	1,744	1,582	1,784	1,544	1,294	828.59
Other Non-Interest Expense	522.88	522.22	494.79	372.89	418.29	697.37
Total Non-Interest Expense	5,674	5,519	5,827	5,285	4,957	4,896
EBT Excluding Unusual Items	1,044	651.43	457.31	1,001	662.28	1,409
Asset Writedown	-2.27	-	-	-	-101.03	-
Pretax Income	1,041	651.43	457.31	1,001	561.25	1,409
Income Tax Expense	-677.37	-430.93	-430.8	288.69	162.56	613.06
Earnings From Continuing Operations	1,719	1,082	888.11	712.5	398.69	795.83
Minority Interest in Earnings	-192.35	-162.69	-148.11	-157.73	-124.56	-50.16
Net Income	1,526	919.67	739.99	554.77	274.13	745.68
Preferred Dividends & Other Adjustments	567.6	567.6	567.6	534	-	-
Net Income to Common	958.85	352.07	172.39	20.77	274.13	745.68
Net Income Growth	69.08%	24.28%	33.39%	102.37%	-63.24%	-79.05%
Basic Shares Outstanding	10,996	10,996	10,996	10,996	10,996	10,996
Diluted Shares Outstanding	10,996	10,996	10,996	10,996	10,996	10,996
EPS (Basic)	0.09	0.03	0.02	0.00	0.02	0.07
EPS (Diluted)	0.09	0.03	0.02	0.00	0.02	0.07
EPS Growth	-	104.22%	730.40%	-92.43%	-63.24%	-79.05%
Effective Tax Rate	-	-	-	28.83%	28.96%	43.51%

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