Bank of Communications 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	410,808	419,447	451,712	459,861	418,067	377,646
Interest Paid on Deposits	230,388	246,372	281,880	295,738	248,185	215,953
Net Interest Income	180,420	173,075	169,832	164,123	169,882	161,693
Net Interest Income Growth	5.60%	1.91%	3.48%	-3.39%	5.07%	5.45%
Income From Trading Activities	19,693	19,693	21,919	-	-	-
Gain (Loss) on Sale of Assets	544	957	878	793	739	454
Gain (Loss) on Sale of Investments	5,425	4,563	1,949	15,865	-	-
Gain (Loss) on Sale of Equity Investments	639	495	514	356	-	-
Other Non-Interest Income	67,505	66,494	65,098	76,456	86,175	107,243
Total Non-Interest Income	93,806	92,202	90,358	93,409	86,906	107,413
Non-Interest Income Growth	3.75%	2.04%	-3.27%	7.48%	-19.09%	15.24%
Revenues Before Loan Losses	274,226	265,277	260,190	257,532	256,788	269,106
Provision for Loan Losses	56,274	54,547	52,567	56,908	60,411	66,371
Revenue	217,952	210,730	207,623	200,624	196,377	202,735
Revenue Growth	4.33%	1.50%	3.49%	2.16%	-3.14%	9.89%
Salaries and Employee Benefits	44,047	44,047	42,320	-	-	-
Occupancy Expenses	9,589	9,589	9,912	-	-	-
Selling, General & Administrative	15,140	16,065	15,258	91,172	86,030	83,653
Other Non-Interest Expense	37,055	35,792	35,192	9,014	10,591	23,293
Total Non-Interest Expense	105,787	105,588	102,913	99,919	96,373	106,740
EBT Excluding Unusual Items	112,165	105,142	104,710	100,705	100,004	95,995
Asset Writedown	-1,773	-1,477	-1,330	-1,007	-1,889	-2,036
Legal Settlements	98	98	95	-	-	-
Pretax Income	110,490	103,763	103,475	99,698	98,115	93,959
Income Tax Expense	11,825	7,249	9,246	6,446	6,160	5,020
Earnings From Continuing Operations	98,665	96,514	94,229	93,252	91,955	88,939
Minority Interest in Earnings	-1,185	-892	-643	-524	147	-1,358
Net Income	97,480	95,622	93,586	92,728	92,102	87,581
Preferred Dividends & Other Adjustments	6,702	6,702	7,464	7,473	7,483	5,613
Net Income to Common	90,778	88,920	86,122	85,255	84,619	81,968
Net Income Growth	2.36%	3.25%	1.02%	0.75%	3.23%	10.95%
Basic Shares Outstanding	88,417	82,028	74,263	74,263	74,263	74,263
Diluted Shares Outstanding	88,417	82,028	74,263	74,263	74,263	74,263
Shares Change	18.01%	10.46%	-	-	-	-
EPS (Basic)	1.03	1.08	1.16	1.15	1.14	1.10
EPS (Diluted)	1.02	1.08	1.16	1.15	1.14	1.10
EPS Growth	-13.74%	-6.53%	1.02%	0.75%	3.59%	10.57%

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	0.336	0.325	0.379	0.375	0.373	0.355
Dividend Growth	-4.78%	-14.33%	1.07%	0.54%	5.07%	11.99%
Effective Tax Rate	10.70%	6.99%	8.94%	6.46%	6.28%	5.34%