HKG:1601 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 and Dividend Income	688.41	729.86	691.93	613.4	541.37	480.94
Total Interest Expense	286.06	286.06	292.82	272.49	246.55	232.84
Net Interest Income	402.36	443.8	399.11	340.9	294.82	248.11
Other Revenue	43.27	12.36	10.43	9.92	8.93	5.89
Revenue Before Loan Losses	584.99	595.53	551.2	480.57	419.33	360.61
Provision for Loan Losses	79.03	79.02	78.25	49.58	53	44.47
Revenue	505.97	516.51	472.95	430.99	366.33	316.14
Revenue Growth (YoY)	1.77%	9.21%	9.74%	17.65%	15.87%	16.98%
Salaries & Employee Benefits	99.42	99.42	94.3	111.71	71.07	67.65
Cost of Services Provided	28.04	36.89	50.66	31.17	27.7	26.67
Other Operating Expenses	5.42	7.82	-12.6	-17.33	6.02	-5.54
Total Operating Expenses	153.45	164.7	148.46	145.13	123.92	102.95
Operating Income	352.52	351.81	324.49	285.86	242.41	213.2
Earnings From Equity Investments	10.39	10.39	21.91	15.14	19.39	-1.69
Currency Exchange Gain (Loss)	-0.68	-0.68	-0.19	0.11	-0.18	4
Pretax Income	361.87	361.52	346.21	301.1	261.63	215.51
Income Tax Expense	90.34	90.48	86.33	75	65.71	54.04
Net Income	271.53	271.04	259.88	226.1	195.92	161.47
Net Income to Common	271.53	271.04	259.88	226.1	195.92	161.47
Net Income Growth	1.91%	4.30%	14.94%	15.41%	21.34%	16.79%
Shares Outstanding (Basic)	1,615	1,333	1,333	1,333	1,333	1,315
Shares Outstanding (Diluted)	1,615	1,333	1,333	1,333	1,333	1,315
Shares Change (YoY)	21.13%	-	-	-	1.39%	31.51%
EPS (Basic)	0.17	0.20	0.19	0.17	0.15	0.12
EPS (Diluted)	0.17	0.20	0.19	0.17	0.15	0.12
EPS Growth	-15.87%	4.29%	14.94%	15.41%	19.68%	-11.20%
Free Cash Flow	-15.29	77.7	-667.35	-680.03	-682	27.08
Free Cash Flow Per Share	-0.01	0.06	-0.50	-0.51	-0.51	0.02
Dividend Per Share	0.071	0.071	0.068	0.060	0.045	0.043
Dividend Growth	4.41%	4.41%	13.33%	33.33%	3.45%	16.00%
Operating Margin	69.67%	68.11%	68.61%	66.33%	66.17%	67.44%
Profit Margin	53.67%	52.48%	54.95%	52.46%	53.48%	51.07%
Free Cash Flow Margin	-3.02%	15.04%	-141.10%	-157.78%	-186.17%	8.57%
Effective Tax Rate	24.96%	25.03%	24.94%	24.91%	25.12%	25.08%

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