CHBJF Income Statement

Financials in millions CNY. Fiscal year is January - December.

Millions CNY. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	291,687	309,791	317,692	313,609	306,165	298,006
Interest Paid on Deposits	147,277	163,112	174,153	162,962	158,269	147,491
Net Interest Income	144,410	146,679	143,539	150,647	147,896	150,515
Net Interest Income Growth (YoY)	0.10%	2.19%	-4.72%	1.86%	-1.74%	2.44%
Income From Trading Activities	6,251	6,769	7,138	4,881	5,168	3,354
Gain (Loss) on Sale of Investments	21,716	27,111	21,103	17,771	14,874	11,935
Other Non-Interest Income	35,288	32,664	33,790	37,810	36,616	29,595
Total Non-Interest Income	63,255	66,544	62,031	60,462	56,658	44,884
Non-Interest Income Growth (YoY)	-5.83%	7.27%	2.60%	6.71%	26.23%	9.59%
Revenues Before Loan Losses	207,665	213,223	205,570	211,109	204,554	195,399
Provision for Loan Losses	54,416	61,045	61,926	71,359	77,005	82,477
Revenue	153,249	152,178	143,644	139,750	127,549	112,922
Revenue Growth (YoY)	1.83%	5.94%	2.79%	9.57%	12.95%	1.55%
Salaries and Employee Benefits	39,684	39,684	38,083	38,082	34,403	29,679
Occupancy Expenses	-	-	-	7,282	7,065	7,079
Amortization of Goodwill & Intangibles	-	-	-	1,552	1,155	1,006
Selling, General & Administrative	20,318	20,318	19,434	17,800	17,398	14,467
Other Non-Interest Expense	9,967	11,936	11,697	2,122	2,203	2,024
Total Non-Interest Expense	69,355	71,291	68,756	66,260	62,055	54,996
EBT Excluding Unusual Items	83,894	80,887	74,888	73,490	65,494	57,926
Asset Writedown	-65	-24	-1	-74	23	-69
Pretax Income	83,829	80,863	74,887	73,416	65,517	57,857
Income Tax Expense	12,625	11,395	6,825	10,466	9,140	8,325
Earnings From Continuing Operations	71,204	69,468	68,062	62,950	56,377	49,532
Minority Interest in Earnings	-1,063	-892	-1,046	-847	-736	-552
Net Income	70,141	68,576	67,016	62,103	55,641	48,980
Preferred Dividends & Other Adjustments	4,788	4,788	4,788	4,788	3,010	3,010
Net Income to Common	65,353	63,788	62,228	57,315	52,631	45,970
Net Income Growth	4.05%	2.33%	7.91%	11.61%	13.60%	2.01%
Basic Shares Outstanding	56,031	52,389	48,954	48,935	48,935	48,935
Diluted Shares Outstanding	56,031	53,157	54,586	54,071	53,705	53,453
Shares Change (YoY)	4.80%	-2.62%	0.95%	0.68%	0.47%	1.90%
EPS (Basic)	1.17	1.22	1.27	1.17	1.08	0.94
EPS (Diluted)	1.17	1.20	1.14	1.06	0.98	0.86
EPS Growth	-0.42%	5.26%	7.55%	8.16%	13.95%	-3.37%
Dividend Per Share	0.358	0.355	0.326	0.329	0.302	0.254
Dividend Growth	-29.91%	8.77%	-0.88%	8.94%	18.90%	6.28%
Effective Tax Rate	15.06%	14.09%	9.11%	14.26%	13.95%	14.39%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.