Bank of Communications 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	419,447	451,712	459,861	418,067	377,646
Interest Paid on Deposits	246,372	281,880	295,738	248,185	215,953
Net Interest Income	173,075	169,832	164,123	169,882	161,693
Net Interest Income Growth (YoY)	1.91%	3.48%	-3.39%	5.07%	5.45%
Gain (Loss) on Sale of Assets	957	878	793	739	454
Gain (Loss) on Sale of Investments	17,026	13,500	15,865	-	-
Gain (Loss) on Sale of Equity Investments	495	514	356	-	-
Other Non-Interest Income	73,518	75,102	76,456	86,175	107,243
Total Non-Interest Income	91,901	89,763	93,409	86,906	107,413
Non-Interest Income Growth (YoY)	2.38%	-3.90%	7.48%	-19.09%	15.24%
Revenues Before Loan Losses	264,976	259,595	257,532	256,788	269,106
Provision for Loan Losses	54,547	52,567	56,908	60,411	66,371
Revenue	210,429	207,028	200,624	196,377	202,735
Revenue Growth (YoY)	1.64%	3.19%	2.16%	-3.14%	9.89%
Selling, General & Administrative	93,720	92,945	91,172	86,030	83,653
Other Non-Interest Expense	11,244	9,323	9,014	10,591	23,293
Total Non-Interest Expense	104,866	102,144	99,919	96,373	106,740
EBT Excluding Unusual Items	105,563	104,884	100,705	100,004	95,995
Asset Writedown	-1,800	-1,409	-1,007	-1,889	-2,036
Pretax Income	103,763	103,475	99,698	98,115	93,959
Income Tax Expense	7,249	9,246	6,446	6,160	5,020
Earnings From Continuing Operations	96,514	94,229	93,252	91,955	88,939
Minority Interest in Earnings	-892	-643	-524	147	-1,358
Net Income	95,622	93,586	92,728	92,102	87,581
Preferred Dividends & Other Adjustments	6,702	7,464	7,473	7,483	5,613
Net Income to Common	88,920	86,122	85,255	84,619	81,968
Net Income Growth	2.18%	0.92%	0.68%	5.16%	11.89%
Basic Shares Outstanding	82,028	74,263	74,263	74,263	74,263
Diluted Shares Outstanding	82,028	74,263	74,263	74,263	74,263
Shares Change (YoY)	10.46%	-	-	-	-
EPS (Basic)	1.08	1.16	1.15	1.14	1.10
EPS (Diluted)	1.08	1.16	1.15	1.14	1.10
EPS Growth	-6.87%	1.02%	0.75%	3.59%	10.57%
Dividend Per Share	0.325	0.379	0.375	0.373	0.355
Dividend Growth	-14.33%	1.07%	0.54%	5.07%	11.99%
Effective Tax Rate	6.99%	8.94%	6.46%	6.28%	5.34%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.