HKG:1551 Income Statement

Financials in millions CNY. Fiscal year is January - December.

Millions CNY. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	35,137	37,960	41,746	43,818	42,566
Interest Paid on Deposits	21,448	24,345	25,162	25,236	23,007
Net Interest Income	13,689	13,615	16,583	18,582	19,559
Net Interest Income Growth (YoY)	0.54%	-17.90%	-10.76%	-5.00%	10.83%
Income From Trading Activities	-730.15	383.56	109.02	1,077	2,043
Gain (Loss) on Sale of Assets	97.17	33.1	148.55	132.81	25.95
Gain (Loss) on Sale of Investments	1,578	1,226	349.22	510.11	343.93
Other Non-Interest Income	756.38	573.87	963.91	2,242	1,509
Total Non-Interest Income	1,701	2,217	1,571	3,963	3,921
Non-Interest Income Growth (YoY)	-23.26%	41.14%	-60.36%	1.05%	12.21%
Revenues Before Loan Losses	15,390	15,832	18,154	22,545	23,481
Provision for Loan Losses	7,276	7,769	8,408	10,626	12,540
Revenue	8,114	8,063	9,746	11,919	10,940
Revenue Growth (YoY)	0.64%	-17.27%	-18.23%	8.94%	-17.68%
Salaries and Employee Benefits	4,004	4,074	4,313	4,855	3,942
Occupancy Expenses	646.76	604.8	672.83	714.67	877.51
Selling, General & Administrative	204.33	223.3	227.08	374.93	368.78
Other Non-Interest Expense	1,731	1,686	1,621	1,463	1,294
Total Non-Interest Expense	6,586	6,588	6,833	7,408	6,483
EBT Excluding Unusual Items	1,528	1,474	2,913	4,510	4,457
Pretax Income	1,528	1,474	2,913	4,510	4,457
Income Tax Expense	-935.61	-941.06	-346.63	472.57	680.99
Earnings From Continuing Operations	2,464	2,416	3,260	4,038	3,776
Minority Interest in Earnings	-342.05	-334.87	-625.09	-545.62	-601.09
Net Income	2,122	2,081	2,634	3,492	3,175
Preferred Dividends & Other Adjustments	333.6	666.13	645.4	620.37	606.26
Net Income to Common	1,788	1,415	1,989	2,872	2,569
Net Income Growth	1.98%	-21.02%	-24.56%	9.98%	-37.51%
Basic Shares Outstanding	14,410	14,410	11,476	11,451	9,859
Diluted Shares Outstanding	14,410	14,410	11,476	11,451	9,859
Shares Change (YoY)	-	25.57%	0.21%	16.15%	0.52%
EPS (Basic)	0.12	0.10	0.17	0.25	0.26
EPS (Diluted)	0.12	0.10	0.17	0.25	0.26
EPS Growth	26.42%	-43.36%	-30.89%	-3.76%	-42.13%
Dividend Per Share	0.046	0.045	0.040	0.105	0.105
Dividend Growth	2.22%	12.50%	-61.91%	-	-47.50%
Effective Tax Rate	-	-	-	10.48%	15.28%

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