Bank of Communications Balance Sheet

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
Cash & Equivalents	126,462	161,950	275,461	117,662	13,298
Investment Securities	4,488,812	4,320,466	4,021,797	3,793,893	3,496,581
Trading Asset Securities	644,345	756,527	709,669	775,044	677,703
Total Investments	5,133,157	5,076,993	4,731,466	4,568,937	4,174,284
Gross Loans	9,384,177	8,788,227	8,180,410	7,313,540	6,574,385
Allowance for Loan Losses	-244,200	-225,050	-205,455	-176,178	-160,089
Net Loans	9,139,977	8,563,177	7,974,955	7,137,362	6,414,296
Property, Plant & Equipment	253,340	245,623	224,404	201,100	177,971
Goodwill	407	399	415	407	395
Other Intangible Assets	4,820	4,841	4,628	3,952	3,874
Investments in Real Estate	6,214	5,456	5,525	6,387	6,340
Accrued Interest Receivable	36,813	36,516	36,153	5,246	6,325
Other Receivables	115,750	88,372	35,830	188,473	182,389
Restricted Cash	636,565	638,301	694,211	683,401	624,340
Other Current Assets	43,932	27,417	26,305	30,328	21,664
Long-Term Deferred Tax Assets	42,198	42,752	40,379	39,512	32,061
Other Real Estate Owned & Foreclosed	440	523	945	1,000	1,030
Other Long-Term Assets	7,387	7,340	8,604	6,925	6,769
Total Assets	15,548,388	14,900,717	14,060,472	12,991,571	11,665,757
Accrued Expenses	27,237	26,195	23,490	21,740	20,040
Interest Bearing Deposits	7,700,932	7,143,908	6,536,765	6,077,207	4,937,108
Non-Interest Bearing Deposits	2,869,251	2,911,223	2,935,270	2,874,396	2,912,503
Total Deposits	10,570,183	10,055,131	9,472,035	8,951,603	7,849,611
Short-Term Borrowings	1,346,789	1,493,730	1,245,354	1,029,393	938,199
Current Portion of Long-Term Debt	1,260,183	1,074,270	1,246,141	1,042,700	1,039,561
Current Portion of Leases	2,166	2,325	2,426	-	-
Current Income Taxes Payable	5,142	8,056	4,538	3,937	4,725
Accrued Interest Payable	164,305	167,092	147,828	118,660	89,744
Other Current Liabilities	74,740	71,598	59,984	70,496	40,286
Long-Term Debt	601,237	641,922	578,680	527,923	479,730
Long-Term Leases	4,090	4,214	4,075	16,396	31,744
Long-Term Deferred Tax Liabilities	3,657	4,324	2,407	1,786	1,889
Other Long-Term Liabilities	208,377	196,263	174,064	173,415	192,992
Total Liabilities	14,268,106	13,745,120	12,961,022	11,958,049	10,688,521
Preferred Stock, Convertible	44,952	44,952	44,952	44,952	44,952
Common Stock	88,364	74,263	74,263	74,263	74,263
Additional Paid-In Capital	215,144	110,762	111,428	111,429	110,770
Retained Earnings	828,718	768,000	723,423	665,611	608,343
Comprehensive Income & Other	92,054	146,329	133,964	125,769	126,319
Total Common Equity	1,224,280	1,099,354	1,043,078	977,072	919,695
Minority Interest	11,050	11,291	11,420	11,498	12,589
Shareholders' Equity	1,280,282	1,155,597	1,099,450	1,033,522	977,236
Total Liabilities & Equity	15,548,388	14,900,717	14,060,472	12,991,571	11,665,757
Total Debt	3,214,465	3,216,461	3,076,676	2,616,412	2,489,234
Net Cash (Debt)	-1,886,837	-1,642,655	-1,531,268	-1,188,413	-1,192,197
Net Cash Per Share	-23.00	-22.12	-20.62	-16.00	-16.05
Filing Date Shares Outstanding	88,364	74,263	74,263	74,263	74,263
Total Common Shares Outstanding	88,364	74,263	74,263	74,263	74,263
Book Value Per Share	12.93	13.06	12.30	11.41	10.64
Tangible Book Value	1,219,053	1,094,114	1,038,035	972,713	915,426
Tangible Book Value Per Share	12.87	12.98	12.23	11.35	10.58

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