Harbin 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	27,243	28,598	30,273	29,719	26,065	26,448
Interest Paid on Deposits	17,503	18,759	20,436	20,170	17,058	16,387
Net Interest Income	9,740	9,839	9,837	9,549	9,007	10,061
Net Interest Income Growth	5.06%	0.02%	3.02%	6.02%	-10.47%	-18.26%
Income From Trading Activities	691.64	308.31	2,425	2,692	2,423	1,129
Gain (Loss) on Sale of Assets	-1.72	-	-	-7.63	0.07	124.94
Gain (Loss) on Sale of Investments	3,990	3,888	1,522	264.93	416.4	247.07
Other Non-Interest Income	460.23	510.54	459.84	743.57	1,024	758.01
Total Non-Interest Income	5,141	4,707	4,406	3,693	3,863	2,259
Non-Interest Income Growth	-0.36%	6.82%	19.32%	-4.42%	71.06%	-1.68%
Revenues Before Loan Losses	14,881	14,546	14,243	13,242	12,871	12,320
Provision for Loan Losses	8,770	8,501	8,073	6,958	6,584	6,701
Revenue	6,111	6,045	6,170	6,284	6,286	5,619
Revenue Growth	-2.43%	-2.03%	-1.81%	-0.04%	11.88%	-10.88%
Salaries and Employee Benefits	2,642	2,569	2,578	2,645	2,503	2,334
Occupancy Expenses	731.43	752.45	837.08	902.76	865.33	910.72
Selling, General & Administrative	1,628	1,689	1,582	1,784	1,544	1,294
Other Non-Interest Expense	499.81	501.32	522.22	494.79	372.89	418.29
Total Non-Interest Expense	5,502	5,512	5,519	5,827	5,285	4,957
EBT Excluding Unusual Items	609.11	533.01	651.43	457.31	1,001	662.28
Asset Writedown	1.76	-	-	-	-	-101.03
Pretax Income	610.87	533.01	651.43	457.31	1,001	561.25
Income Tax Expense	-765.66	-731.55	-430.93	-430.8	288.69	162.56
Earnings From Continuing Operations	1,377	1,265	1,082	888.11	712.5	398.69
Minority Interest in Earnings	-113.75	-119	-162.69	-148.11	-157.73	-124.56
Net Income	1,263	1,146	919.67	739.99	554.77	274.13
Preferred Dividends & Other Adjustments	567.6	567.6	567.6	567.6	534	-
Net Income to Common	695.19	577.95	352.07	172.39	20.77	274.13
Net Income Growth	37.83%	64.16%	104.22%	730.05%	-92.42%	-63.24%
Basic Shares Outstanding	10,996	10,996	10,996	10,996	10,996	10,996
Diluted Shares Outstanding	10,996	10,996	10,996	10,996	10,996	10,996
Shares Change	-	-	-	-	-	-
EPS (Basic)	0.06	0.05	0.03	0.02	0.00	0.02
EPS (Diluted)	0.06	0.05	0.03	0.02	0.00	0.02
EPS Growth	37.83%	64.16%	104.22%	730.40%	-92.43%	-63.24%

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
Effective Tax Rate	-	-	-	-	28.83%	28.96%