China Construction Bank Corporation (CICHY)

China Construction Bank Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	1,170,490	1,241,557	1,247,366	1,170,573	1,057,334	989,509
Interest Income on Investments	5,798	6,576	5,712	6,135	-	-
Total Interest Income	1,176,288	1,248,133	1,253,078	1,176,708	1,057,334	989,509
Interest Paid on Deposits	593,819	651,675	630,133	526,904	451,914	413,600
Net Interest Income	582,469	596,458	622,945	649,804	605,420	575,909
Net Interest Income Growth (YoY)	-2.23%	-4.25%	-4.13%	7.33%	5.12%	7.23%
Income From Trading Activities	2,347	4,739	5,685	3,632	-	-
Gain (Loss) on Sale of Investments	30,972	14,869	724	-8,740	-	-
Gain (Loss) on Sale of Equity Investments	-	-	-	-	1,603	895
Other Non-Interest Income	120,716	112,504	116,261	125,246	217,223	179,054
Total Non-Interest Income	154,035	132,112	122,670	120,138	218,826	179,949
Non-Interest Income Growth (YoY)	17.04%	7.70%	2.11%	-45.10%	21.60%	6.75%
Revenues Before Loan Losses	736,504	728,570	745,615	769,942	824,246	755,858
Provision for Loan Losses	132,880	120,700	136,774	154,535	167,949	193,491
Revenue	603,624	607,870	608,841	615,407	656,297	562,367
Revenue Growth (YoY)	-0.30%	-0.16%	-1.07%	-6.23%	16.70%	3.64%
Salaries and Employee Benefits	133,760	133,760	128,018	125,150	-	-
Occupancy Expenses	32,025	32,025	32,450	33,558	-	-
Amortization of Goodwill & Intangibles	3,385	3,385	3,495	3,140	-	-
Selling, General & Administrative	46,346	46,346	47,708	49,984	209,863	179,308
Other Non-Interest Expense	12,547	8,557	8,937	8,633	67,657	45,813
Total Non-Interest Expense	227,300	223,489	219,457	219,271	277,884	225,751
EBT Excluding Unusual Items	376,324	384,381	389,384	396,136	378,413	336,616
Other Unusual Items	-	-	-	-12,432	-	-
Pretax Income	376,320	384,377	389,377	383,699	378,412	336,616
Income Tax Expense	38,704	48,095	56,917	58,836	74,484	63,037
Earnings From Continuing Operations	337,616	336,282	332,460	324,863	303,928	273,579
Minority Interest in Earnings	-455	-705	193	-136	-1,415	-2,529
Net Income	337,161	335,577	332,653	324,727	302,513	271,050
Preferred Dividends & Other Adjustments	7,108	7,108	5,110	4,538	4,538	5,624
Net Income to Common	330,053	328,469	327,543	320,189	297,975	265,426
Net Income Growth	1.26%	0.88%	2.44%	7.34%	11.61%	1.62%
Basic Shares Outstanding	253,098	250,011	250,011	250,011	250,011	250,011
Diluted Shares Outstanding	253,098	250,011	250,011	250,011	250,011	250,011
Shares Change (YoY)	0.39%	-	-	-	-	-
EPS (Basic)	1.30	1.31	1.31	1.28	1.19	1.06
EPS (Diluted)	1.30	1.31	1.31	1.28	1.19	1.06
EPS Growth	-0.01%	-	2.34%	7.56%	12.26%	0.85%
Dividend Per Share	0.403	0.403	0.400	0.389	0.364	0.326
Dividend Growth	0.75%	0.75%	2.83%	6.87%	11.66%	1.88%
Effective Tax Rate	10.29%	12.51%	14.62%	15.33%	19.68%	18.73%

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