Luzhou Bank 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	7,746	7,518	7,224	7,495	6,950	6,062
Interest Paid on Deposits	3,939	3,999	4,135	4,237	4,012	3,305
Net Interest Income	3,807	3,519	3,088	3,258	2,938	2,756
Net Interest Income Growth (YoY)	11.71%	13.94%	-5.21%	10.89%	6.59%	1.41%
Income From Trading Activities	939.89	939.89	1,171	369.16	556.7	248.1
Gain (Loss) on Sale of Assets	-0.34	-0.34	-1.72	-0.07	-0.7	0.26
Gain (Loss) on Sale of Investments	259.89	259.89	354.06	134.49	209.55	117.06
Other Non-Interest Income	106.59	490.91	158.74	140.25	72.57	32.85
Total Non-Interest Income	1,306	1,690	1,682	643.83	838.12	398.28
Non-Interest Income Growth (YoY)	-6.52%	0.49%	161.26%	-23.18%	110.43%	350.00%
Revenues Before Loan Losses	5,113	5,209	4,770	3,902	3,776	3,155
Provision for Loan Losses	705.09	1,625	1,793	1,311	1,332	1,240
Revenue	4,408	3,584	2,977	2,591	2,444	1,915
Revenue Growth (YoY)	49.09%	20.38%	14.91%	6.02%	27.64%	2.84%
Salaries and Employee Benefits	895.57	895.57	843.48	824.25	788.14	644.91
Occupancy Expenses	182.37	182.37	171.77	176.53	183.72	176.34
Selling, General & Administrative	731.17	571.71	613.9	482.05	451.8	295.3
Other Non-Interest Expense	133.76	137.33	82.23	86.42	68.84	54.66
Total Non-Interest Expense	2,288	1,799	1,727	1,577	1,510	1,175
EBT Excluding Unusual Items	2,119	1,785	1,251	1,014	934.31	740.25
Pretax Income	2,121	1,785	1,251	1,014	934.31	740.25
Income Tax Expense	647.52	509.1	256.55	206.95	200.05	164.18
Net Income	1,473	1,276	994.24	807.53	734.26	576.07
Preferred Dividends & Other Adjustments	95.1	95.1	95.1	95.1	95.1	-
Net Income to Common	1,378	1,181	899.14	712.43	639.16	576.07
Net Income Growth	24.59%	28.31%	23.12%	9.98%	27.46%	-9.12%
Basic Shares Outstanding	-	2,718	2,718	2,718	2,718	2,718
Diluted Shares Outstanding	-	2,718	2,718	2,718	2,718	2,718
Shares Change (YoY)	-	-	-	-	-	0.14%
EPS (Basic)	-	0.43	0.33	0.26	0.24	0.21
EPS (Diluted)	-	0.43	0.33	0.26	0.24	0.21
EPS Growth	-	30.30%	26.92%	10.55%	11.99%	-9.99%
Dividend Per Share	0.120	0.120	0.090	0.080	-	-
Dividend Growth	33.33%	33.33%	12.50%	-	-	-
Effective Tax Rate	30.53%	28.52%	20.51%	20.40%	21.41%	22.18%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.