Jinshang Bank Income Statement

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

Millions CNY. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	10,439	10,778	11,705	11,615	10,729	10,359
Interest Paid on Deposits	6,326	6,912	7,516	7,379	7,136	6,805
Net Interest Income	4,113	3,866	4,189	4,236	3,593	3,554
Net Interest Income Growth	2.77%	-7.72%	-1.11%	17.90%	1.10%	3.29%
Income From Trading Activities	-169.17	-340.39	115.24	-78.51	-32.5	301.47
Gain (Loss) on Sale of Assets	2.43	2.54	0.85	1.28	1.97	0.6
Gain (Loss) on Sale of Investments	1,050	1,277	815	887.03	917.58	757.77
Other Non-Interest Income	603.59	639.19	670.72	756.17	780.12	776.85
Total Non-Interest Income	1,487	1,578	1,602	1,566	1,667	1,837
Non-Interest Income Growth	-14.44%	-1.46%	2.29%	-6.07%	-9.23%	28.68%
Revenues Before Loan Losses	5,600	5,445	5,791	5,802	5,260	5,391
Provision for Loan Losses	1,790	1,612	1,675	1,432	1,238	1,653
Revenue	3,810	3,832	4,116	4,370	4,022	3,738
Revenue Growth	-7.04%	-6.90%	-5.81%	8.65%	7.61%	9.45%
Salaries and Employee Benefits	1,314	1,372	1,400	1,432	1,327	1,283
Occupancy Expenses	364.01	360.02	360.4	362.74	367.36	367.08
Selling, General & Administrative	382.34	343	447.64	464.32	406.38	336.25
Other Non-Interest Expense	92.01	87.06	88.39	89	86.2	84.47
Total Non-Interest Expense	2,146	2,146	2,270	2,336	2,166	2,046
EBT Excluding Unusual Items	1,664	1,686	1,846	2,034	1,856	1,692
Asset Writedown	-1.26	-0.59	-27.96	-	-	-
Pretax Income	1,663	1,686	1,818	2,034	1,856	1,692
Income Tax Expense	6.84	22.4	68.74	33.34	20.95	12.46
Earnings From Continuing Operations	1,656	1,663	1,750	2,001	1,835	1,679
Minority Interest in Earnings	0.04	1.94	5.61	2.36	3.03	6.27
Net Income	1,656	1,665	1,755	2,003	1,838	1,686
Net Income to Common	1,656	1,665	1,755	2,003	1,838	1,686
Net Income Growth	-6.81%	-5.12%	-12.37%	8.95%	9.06%	7.59%
Basic Shares Outstanding	5,839	5,839	5,839	5,839	5,839	5,839
Diluted Shares Outstanding	5,839	5,839	5,839	5,839	5,839	5,839
Shares Change	-33.33%	-	-	-	-	-
EPS (Basic)	0.28	0.29	0.30	0.34	0.31	0.29
EPS (Diluted)	0.28	0.29	0.30	0.34	0.31	0.29
EPS Growth	41.82%	-4.93%	-11.77%	9.68%	7.38%	7.59%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Dividend Per Share	0.050	0.050	0.080	0.100	0.100	0.100
Dividend Growth	-37.50%	-37.50%	-20.00%	0%	0%	0%
Effective Tax Rate	0.41%	1.33%	3.78%	1.64%	1.13%	0.74%