Bank of Communications 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	428,826	451,712	459,861	418,067	377,646	369,101
Interest Paid on Deposits	257,142	281,880	295,738	248,185	215,953	215,765
Net Interest Income	171,684	169,832	164,123	169,882	161,693	153,336
Net Interest Income Growth (YoY)	2.93%	3.48%	-3.39%	5.07%	5.45%	6.42%
Income From Trading Activities	-315	-	-	-	-	13,844
Gain (Loss) on Sale of Assets	878	878	793	739	454	166
Gain (Loss) on Sale of Investments	28,383	27,125	26,026	-	-	1,177
Gain (Loss) on Sale of Equity Investments	-67	-	-	-	-	222
Other Non-Interest Income	62,911	61,991	66,651	86,175	107,243	77,799
Total Non-Interest Income	91,559	89,763	93,409	86,906	107,413	93,208
Non-Interest Income Growth (YoY)	3.74%	-3.90%	7.48%	-19.09%	15.24%	5.03%
Revenues Before Loan Losses	263,243	259,595	257,532	256,788	269,106	246,544
Provision for Loan Losses	50,714	52,567	56,908	60,411	66,371	62,059
Revenue	212,529	207,028	200,624	196,377	202,735	184,485
Revenue Growth (YoY)	5.35%	3.19%	2.16%	-3.14%	9.89%	2.00%
Selling, General & Administrative	92,945	92,945	91,172	86,030	83,653	9,518
Other Non-Interest Expense	12,012	9,323	9,014	10,591	23,293	88,206
Total Non-Interest Expense	104,833	102,144	99,919	96,373	106,740	97,723
EBT Excluding Unusual Items	107,696	104,884	100,705	100,004	95,995	86,762
Asset Writedown	-1,890	-1,409	-1,007	-1,889	-2,036	-305
Legal Settlements	-	-	-	-	-	-32
Pretax Income	105,806	103,475	99,698	98,115	93,959	86,425
Income Tax Expense	10,076	9,246	6,446	6,160	5,020	6,855
Earnings From Continuing Operations	95,730	94,229	93,252	91,955	88,939	79,570
Minority Interest in Earnings	-840	-643	-524	147	-1,358	-1,296
Net Income	94,890	93,586	92,728	92,102	87,581	78,274
Preferred Dividends & Other Adjustments	7,464	7,464	7,473	7,483	5,613	4,394
Net Income to Common	87,426	86,122	85,255	84,619	81,968	73,880
Net Income Growth	2.86%	0.92%	0.68%	5.16%	11.89%	1.29%
Basic Shares Outstanding	78,552	74,263	74,263	74,263	74,263	74,263
Diluted Shares Outstanding	78,552	74,263	74,263	74,263	74,263	74,263
EPS (Basic)	1.11	1.16	1.15	1.14	1.10	0.99
EPS (Diluted)	1.11	1.16	1.15	1.14	1.10	0.99
EPS Growth	-3.07%	1.02%	0.75%	3.59%	10.57%	-0.98%
Dividend Per Share	0.535	0.379	0.375	0.373	0.355	0.317
Dividend Growth	42.75%	1.07%	0.54%	5.07%	11.99%	0.64%
Effective Tax Rate	9.52%	8.94%	6.46%	6.28%	5.34%	7.93%

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