FRA:ICKB 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	1,358,585	1,427,948	1,405,039	1,278,674	1,162,218	1,092,521
Interest Paid on Deposits	724,496	790,543	750,026	586,689	471,538	445,756
Net Interest Income	634,089	637,405	655,013	691,985	690,680	646,765
Net Interest Income Growth (YoY)	0.61%	-2.69%	-5.34%	0.19%	6.79%	2.30%
Income From Trading Activities	19,847	19,440	14,928	8,308	8,955	2,222
Gain (Loss) on Sale of Assets	1,352	1,352	1,925	1,590	2,182	1,323
Gain (Loss) on Sale of Investments	31,288	22,961	21,560	7,906	16,440	11,829
Other Non-Interest Income	111,411	104,968	113,032	132,563	142,623	137,936
Total Non-Interest Income	163,898	148,721	151,445	150,367	170,200	153,310
Non-Interest Income Growth (YoY)	7.95%	-1.80%	0.72%	-11.65%	11.02%	6.62%
Revenues Before Loan Losses	797,987	786,126	806,458	842,352	860,880	800,075
Provision for Loan Losses	122,934	125,739	148,808	179,200	202,623	198,858
Revenue	675,053	660,387	657,650	663,152	658,257	601,217
Revenue Growth (YoY)	3.56%	0.42%	-0.83%	0.74%	9.49%	0.12%
Salaries and Employee Benefits	144,554	144,554	141,405	142,633	139,363	126,572
Occupancy Expenses	27,274	27,274	28,534	28,822	28,822	27,960
Amortization of Goodwill & Intangibles	5,157	5,157	4,429	3,716	3,125	2,607
Other Non-Interest Expense	70,433	65,203	65,041	64,180	64,917	49,446
Total Non-Interest Expense	242,074	237,669	234,387	234,955	233,358	205,281
EBT Excluding Unusual Items	432,979	422,718	423,263	428,197	424,899	395,936
Asset Writedown	-891	-891	-1,297	-3,477	-	-3,810
Pretax Income	432,088	421,827	421,966	424,720	424,899	392,126
Income Tax Expense	63,735	54,881	56,850	62,610	74,683	74,441
Earnings From Continuing Operations	368,353	366,946	365,116	362,110	350,216	317,685
Minority Interest in Earnings	-1,607	-1,083	-1,123	-978	-1,878	-1,779
Net Income	366,746	365,863	363,993	361,132	348,338	315,906
Preferred Dividends & Other Adjustments	14,963	14,963	14,964	14,810	9,607	8,839
Net Income to Common	351,783	350,900	349,029	346,322	338,731	307,067
Net Income Growth	0.66%	0.51%	0.79%	3.67%	10.27%	1.18%
Basic Shares Outstanding	353,475	356,407	356,407	356,407	356,407	356,407
Diluted Shares Outstanding	353,475	356,407	356,407	356,407	356,407	356,407
Shares Change (YoY)	-0.92%	-	-	-	-	-
EPS (Basic)	1.00	0.98	0.98	0.97	0.95	0.86
EPS (Diluted)	0.99	0.98	0.98	0.97	0.95	0.86
EPS Growth	1.16%	0.07%	0.96%	2.10%	10.46%	-
Dividend Per Share	0.306	0.308	0.306	0.303	0.293	0.266
Dividend Growth	-31.97%	0.52%	0.96%	3.48%	10.26%	1.22%
Effective Tax Rate	14.75%	13.01%	13.47%	14.74%	17.58%	18.98%

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