FRA:5UM 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	Jun '25 Jun 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
Total Interest Expense	59.46	50.71	39.05	35.65	29.13	30.56
Net Interest Income	-59.46	-50.71	-39.05	-35.65	-29.13	-30.56
Other Revenue	14,701	13,663	13,650	12,073	9,914	8,521
Revenue Before Loan Losses	14,642	13,613	13,611	12,038	9,885	8,491
Provision for Loan Losses	262.39	322.98	192.1	307.14	318.24	247.45
Revenue	14,380	13,290	13,419	11,730	9,567	8,243
Revenue Growth (YoY)	8.91%	-0.96%	14.40%	22.61%	16.06%	22.18%
Cost of Services Provided	11,591	10,781	10,644	8,934	6,917	5,962
Total Operating Expenses	11,591	10,781	10,644	8,934	6,917	5,962
Operating Income	2,789	2,509	2,775	2,796	2,650	2,282
Earnings From Equity Investments	12.02	26.56	6.38	13.46	13.87	11.35
Currency Exchange Gain (Loss)	120.04	-	-	-	30.61	-
EBT Excluding Unusual Items	2,998	2,870	2,842	2,691	2,683	2,361
Gain (Loss) on Sale of Investments	2.47	6.31	24.41	11.66	8.37	-
Other Unusual Items	30.4	31.93	-	0.95	-	-
Pretax Income	3,030	2,907	2,866	2,703	2,692	2,365
Income Tax Expense	688.37	648.79	667.14	617.33	661.34	551.1
Earnings From Continuing Ops.	2,341	2,258	2,199	2,086	2,030	1,814
Minority Interest in Earnings	-151.59	-154.38	-88.74	-126.13	-82.74	-66.77
Net Income	2,190	2,104	2,110	1,960	1,948	1,747
Preferred Dividends & Other Adjustments	67.16	72.22	89.42	71.4	112.5	99.6
Net Income to Common	2,123	2,032	2,021	1,888	1,835	1,648
Net Income Growth	2.16%	-0.30%	7.68%	0.62%	11.48%	10.00%
Shares Outstanding (Basic)	1,892	1,892	1,892	1,892	1,860	1,716
Shares Outstanding (Diluted)	2,006	2,010	2,083	2,077	2,038	1,716
Shares Change (YoY)	-2.00%	-3.49%	0.28%	1.93%	18.73%	-0.01%
EPS (Basic)	1.12	1.07	1.07	1.00	0.99	0.96
EPS (Diluted)	1.07	1.02	0.99	0.93	0.91	0.96
EPS Growth	5.42%	2.88%	6.73%	1.44%	-4.76%	10.67%
Free Cash Flow	4,592	-116.76	4,097	1,414	-1,786	-1,373
Free Cash Flow Per Share	2.29	-0.06	1.97	0.68	-0.88	-0.80
Dividend Per Share	0.329	0.329	0.318	0.301	0.293	0.261
Dividend Growth	3.52%	3.52%	5.63%	2.55%	12.35%	0.69%
Operating Margin	19.40%	18.88%	20.68%	23.84%	27.70%	27.68%
Profit Margin	14.76%	15.29%	15.06%	16.10%	19.18%	19.99%
Free Cash Flow Margin	31.94%	-0.88%	30.53%	12.06%	-18.67%	-16.66%
Effective Tax Rate	22.72%	22.32%	23.28%	22.84%	24.57%	23.30%

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