CHBJF Cash Flow 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
Net Income	70,141	68,576	67,016	62,103	55,641	48,980
Depreciation & Amortization	7,564	8,311	8,124	7,399	6,705	6,356
Gain (Loss) on Sale of Assets	-54	-154	-9	32	-26	-142
Gain (Loss) on Sale of Investments	-18,975	-23,776	-20,364	-15,251	-14,568	-10,808
Total Asset Writedown	152	68	278	45	43	512
Provision for Credit Losses	54,416	61,045	61,926	71,359	77,005	82,477
Change in Trading Asset Securities	-2,456	9,738	-79,755	2,550	-8,469	-5,243
Change in Other Net Operating Assets	-236,377	-738,939	-125,076	-263,665	-441,639	-696,016
Other Operating Activities	28,077	27,611	16,785	20,846	23,571	14,354
Operating Cash Flow	-97,679	-587,716	-71,244	-114,684	-301,772	-559,550
Capital Expenditures	-40,598	-18,783	-13,524	-6,799	-4,481	-4,619
Sale of Property, Plant and Equipment	217	260	83	127	168	368
Cash Acquisitions	-10,000	-	-	-	-	-
Investment in Securities	-287,402	-12,079	14,675	-109,708	-202,913	-214,414
Income (Loss) Equity Investments	-167	-196	-169	-102	-35	-20
Other Investing Activities	1,282	1,070	653	507	438	416
Investing Cash Flow	-336,501	-29,532	1,887	-115,873	-206,788	-218,249
Long-Term Debt Issued	-	1,553,890	1,096,139	850,086	903,846	807,022
Long-Term Debt Repaid	-	-1,261,613	-1,106,000	-836,677	-678,912	-723,637
Net Debt Issued (Repaid)	158,633	292,277	-9,861	13,409	224,934	83,385
Issuance of Common Stock	4	30,000	-	-	43,852	-
Repurchase of Common Stock	-39,993	-39,993	-3,516	-	-3,324	-
Common Dividends Paid	-	-	-19,470	-18,138	-14,109	-13,375
Preferred Dividends Paid	-	-	-1,428	-1,428	-1,330	-1,330
Total Dividends Paid	-	-29,925	-20,898	-19,566	-15,439	-14,706
Net Increase (Decrease) in Deposit Accounts	349,481	406,684	70,326	309,750	226,378	716,413
Other Financing Activities	-54,982	-31,556	-28,827	-26,382	-30,105	-22,707
Financing Cash Flow	413,143	627,487	7,224	277,211	446,296	762,385
Foreign Exchange Rate Adjustments	1,011	3,538	3,264	8,399	-4,484	-7,469
Net Cash Flow	-20,026	13,777	-58,869	55,053	-66,748	-22,883
Free Cash Flow	-138,277	-606,499	-84,768	-121,483	-306,253	-564,169
Free Cash Flow Margin	-90.23%	-398.55%	-59.01%	-86.93%	-240.11%	-499.61%
Free Cash Flow Per Share	-2.47	-11.41	-1.55	-2.25	-5.70	-10.55
Cash Interest Paid	150,867	146,692	160,874	157,808	146,133	139,609
Cash Income Tax Paid	15,113	9,841	13,523	18,043	12,880	17,468

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