Bank of Communications Balance Sheet

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	Mar '26 Mar 31, 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
Cash & Equivalents	198,218	126,462	161,950	275,461	117,662	13,298
Investment Securities	3,949,621	3,933,632	3,665,814	4,021,797	3,793,893	3,496,581
Trading Asset Securities	760,788	644,345	756,527	709,669	775,044	677,703
Total Investments	4,710,409	4,577,977	4,422,341	4,731,466	4,568,937	4,174,284
Gross Loans	9,444,598	9,123,571	8,555,122	8,180,410	7,313,540	6,574,385
Allowance for Loan Losses	-228,419	-242,291	-222,750	-205,455	-176,178	-160,089
Net Loans	9,216,179	8,881,280	8,332,372	7,974,955	7,137,362	6,414,296
Property, Plant & Equipment	248,537	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	-	32,509	31,760	36,153	5,246	6,325
Other Receivables	1,081,119	933,931	978,585	35,830	188,473	182,389
Restricted Cash	588,562	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	42,582	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	187,354	7,387	7,340	8,604	6,925	6,769
Total Assets	16,272,960	15,548,388	14,900,717	14,060,472	12,991,571	11,665,757
Accrued Expenses	-	27,189	25,978	23,490	21,740	20,040
Interest Bearing Deposits	11,051,289	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	11,051,289	10,570,183	10,055,131	9,472,035	8,951,603	7,849,611
Short-Term Borrowings	39,536	1,349,599	1,497,285	1,245,354	1,029,393	938,199
Current Portion of Long-Term Debt	-	1,249,126	1,061,269	1,246,141	1,042,700	1,039,561
Current Portion of Leases	-	-	-	2,426	-	-
Current Income Taxes Payable	7,526	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	-	84,968	81,486	59,984	70,496	40,286
Long-Term Debt	3,490,866	608,115	649,826	578,680	527,923	479,730
Long-Term Leases	-	6,256	6,539	4,075	16,396	31,744
Long-Term Deferred Tax Liabilities	3,431	3,657	4,324	2,407	1,786	1,889
Other Long-Term Liabilities	378,541	199,566	188,134	174,064	173,415	192,992
Total Liabilities	14,971,189	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	44,952
Common Stock	88,364	88,364	74,263	74,263	74,263	74,263
Additional Paid-In Capital	215,720	215,762	111,420	111,428	111,429	110,770
Retained Earnings	411,470	828,718	768,000	723,423	665,611	608,343
Comprehensive Income & Other	530,168	91,436	145,671	133,964	125,769	126,319
Total Common Equity	1,245,722	1,224,280	1,099,354	1,043,078	977,072	919,695
Minority Interest	11,097	11,050	11,291	11,420	11,498	12,589
Shareholders' Equity	1,301,771	1,280,282	1,155,597	1,099,450	1,033,522	977,236
Total Liabilities & Equity	16,272,960	15,548,388	14,900,717	14,060,472	12,991,571	11,665,757
Total Debt	3,530,402	3,213,096	3,214,919	3,076,676	2,616,412	2,489,234
Net Cash (Debt)	-2,571,396	-2,440,648	-2,295,765	-1,531,268	-1,188,413	-1,192,197
Net Cash Per Share	-30.19	-29.75	-30.91	-20.62	-16.00	-16.05
Filing Date Shares Outstanding	87,207	88,364	74,263	74,263	74,263	74,263
Total Common Shares Outstanding	87,207	88,364	74,263	74,263	74,263	74,263
Book Value Per Share	13.35	12.93	13.06	12.30	11.41	10.64
Tangible Book Value	1,245,722	1,219,053	1,094,114	1,038,035	972,713	915,426
Tangible Book Value Per Share	13.35	12.87	12.98	12.23	11.35	10.58

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