Bank of Communications 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	186,381	78,121	202,550	117,662	13,298	15,353
Investment Securities	3,909,734	4,281,501	3,995,083	3,793,893	3,496,581	3,336,149
Trading Asset Securities	700,590	756,527	709,669	775,044	677,703	536,800
Total Investments	4,610,324	5,038,028	4,704,752	4,568,937	4,174,284	3,872,949
Gross Loans	8,850,917	8,788,227	8,180,410	7,313,540	6,574,385	5,848,424
Allowance for Loan Losses	-	-225,050	-205,455	-176,178	-160,089	-139,274
Net Loans	8,850,917	8,563,177	7,974,955	7,137,362	6,414,296	5,709,150
Property, Plant & Equipment	243,980	245,623	224,404	201,100	177,971	176,140
Goodwill	-	399	415	407	395	401
Other Intangible Assets	-	4,841	4,628	3,952	3,874	3,607
Investments in Real Estate	-	5,456	5,525	6,387	6,340	7,353
Accrued Interest Receivable	-	26,890	27,247	5,246	6,325	18,608
Other Receivables	860,294	220,792	144,361	188,473	182,389	201,160
Restricted Cash	542,359	638,301	694,211	683,401	624,340	634,239
Other Current Assets	-	27,417	26,305	30,328	21,664	22,962
Long-Term Deferred Tax Assets	42,429	42,752	40,379	39,512	32,061	27,991
Other Real Estate Owned & Foreclosed	-	523	945	1,000	1,030	967
Other Long-Term Assets	163,099	7,340	8,604	6,925	6,769	6,137
Total Assets	15,499,783	14,900,717	14,060,472	12,991,571	11,665,757	10,697,616
Accrued Expenses	-	26,195	23,490	21,740	20,040	15,799
Interest Bearing Deposits	10,713,701	7,143,908	6,536,765	6,077,207	4,937,108	4,362,951
Non-Interest Bearing Deposits	-	2,911,223	2,935,270	2,874,396	2,912,503	2,818,468
Total Deposits	10,713,701	10,055,131	9,472,035	8,951,603	7,849,611	7,181,419
Short-Term Borrowings	36,499	1,493,730	1,245,354	1,029,393	938,199	720,425
Current Portion of Long-Term Debt	-	1,074,270	1,246,141	1,042,700	1,039,561	1,111,451
Current Portion of Leases	-	-	-	-	-	8,444
Current Income Taxes Payable	5,150	8,056	4,538	3,937	4,725	3,786
Accrued Interest Payable	-	167,092	147,828	118,660	89,744	68,076
Other Current Liabilities	-	71,598	59,984	70,496	40,286	54,818
Long-Term Debt	3,130,952	641,922	578,680	527,923	479,730	482,892
Long-Term Leases	-	6,539	6,501	16,396	31,744	24,925
Long-Term Deferred Tax Liabilities	3,622	4,324	2,407	1,786	1,889	1,286
Other Long-Term Liabilities	318,391	196,263	174,064	173,415	192,992	145,667
Total Liabilities	14,208,315	13,745,120	12,961,022	11,958,049	10,688,521	9,818,988
Preferred Stock, Convertible	44,952	44,952	44,952	44,952	44,952	44,952
Common Stock	88,364	74,263	74,263	74,263	74,263	74,263
Additional Paid-In Capital	217,253	111,420	111,428	111,429	110,770	111,428
Retained Earnings	375,861	768,000	723,423	665,611	608,343	549,972
Comprehensive Income & Other	553,939	145,671	133,964	125,769	126,319	85,992
Total Common Equity	1,235,417	1,099,354	1,043,078	977,072	919,695	821,655
Minority Interest	11,099	11,291	11,420	11,498	12,589	12,021
Shareholders' Equity	1,291,468	1,155,597	1,099,450	1,033,522	977,236	878,628
Total Liabilities & Equity	15,499,783	14,900,717	14,060,472	12,991,571	11,665,757	10,697,616
Total Debt	3,167,451	3,216,461	3,076,676	2,616,412	2,489,234	2,348,137
Net Cash (Debt)	-2,280,480	-1,775,850	-1,640,224	-1,188,413	-1,192,197	-1,219,265
Net Cash Per Share	-29.03	-23.91	-22.09	-16.00	-16.05	-16.42
Filing Date Shares Outstanding	88,364	74,263	74,263	74,263	74,263	74,263
Total Common Shares Outstanding	88,364	74,263	74,263	74,263	74,263	74,263
Book Value Per Share	12.85	13.06	12.30	11.41	10.64	9.87
Tangible Book Value	1,235,417	1,094,114	1,038,035	972,713	915,426	817,647
Tangible Book Value Per Share	12.85	12.98	12.23	11.35	10.58	9.82

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