FRA:C3B 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	46,439	47,088	49,887	51,258	51,749	45,859
Interest Paid on Deposits	22,795	24,593	26,394	25,854	25,514	21,610
Net Interest Income	23,644	22,494	23,493	25,404	26,235	24,249
Net Interest Income Growth (YoY)	6.28%	-4.25%	-7.52%	-3.17%	8.19%	3.74%
Income From Trading Activities	1,355	2,388	1,886	687.45	1,239	767.46
Gain (Loss) on Sale of Assets	29.25	29.25	23.05	34.91	53.96	94.5
Gain (Loss) on Sale of Investments	1,776	1,399	289.23	469.82	124.18	37.56
Gain (Loss) on Sale of Equity Investments	44.08	34.61	22.66	3.25	1.1	0.33
Other Non-Interest Income	1,557	1,885	2,243	2,342	3,197	3,033
Total Non-Interest Income	4,761	5,737	4,464	3,537	4,615	3,933
Non-Interest Income Growth (YoY)	-10.05%	28.51%	26.21%	-23.36%	17.34%	20.32%
Revenues Before Loan Losses	28,405	28,231	27,957	28,941	30,850	28,182
Provision for Loan Losses	5,417	5,957	5,941	7,840	10,852	10,209
Revenue	22,988	22,274	22,016	21,101	19,998	17,973
Revenue Growth (YoY)	8.63%	1.17%	4.34%	5.52%	11.26%	-10.45%
Salaries and Employee Benefits	5,530	5,530	5,728	5,629	5,467	4,846
Occupancy Expenses	796.05	796.05	803.23	785.67	829.84	-
Selling, General & Administrative	2,598	2,598	2,796	2,628	2,026	-
Other Non-Interest Expense	609.14	530.3	486.13	486.69	442.24	3,069
Total Non-Interest Expense	9,533	9,454	9,813	9,530	8,765	7,915
EBT Excluding Unusual Items	13,455	12,820	12,203	11,571	11,232	10,059
Pretax Income	13,452	12,817	12,196	11,560	11,201	10,063
Income Tax Expense	1,312	1,028	1,071	1,082	1,482	1,498
Earnings From Continuing Operations	12,140	11,789	11,125	10,478	9,718	8,565
Minority Interest in Earnings	-241.48	-276.33	-222.8	-202.27	-158.65	-163.58
Net Income	11,898	11,513	10,902	10,276	9,560	8,401
Preferred Dividends & Other Adjustments	238	238	238	160	-	-
Net Income to Common	11,660	11,275	10,664	10,116	9,560	8,401
Net Income Growth	5.71%	5.60%	6.10%	7.49%	13.79%	-13.92%
Basic Shares Outstanding	11,388	11,357	11,357	11,357	11,357	11,357
Diluted Shares Outstanding	11,388	11,357	11,357	11,357	11,357	11,357
Shares Change (YoY)	0.23%	-	-	-	-	10.49%
EPS (Basic)	1.02	0.99	0.94	0.89	0.84	0.74
EPS (Diluted)	1.02	0.99	0.94	0.89	0.84	0.74
EPS Growth	5.31%	5.43%	5.51%	5.73%	13.79%	-22.09%
Dividend Per Share	0.315	0.305	0.288	0.271	0.253	0.222
Dividend Growth	-34.70%	5.58%	6.30%	7.49%	13.74%	-3.48%
Effective Tax Rate	9.75%	8.02%	8.78%	9.36%	13.23%	14.89%

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