China Construction 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	Sep '26 Sep 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	1,155,089	1,153,262	1,241,557	1,247,366	1,170,573	1,057,334
Interest Income on Investments	4,713	5,969	6,576	5,712	6,135	-
Total Interest Income	1,159,802	1,159,231	1,248,133	1,253,078	1,176,708	1,057,334
Interest Paid on Deposits	539,515	580,488	651,675	630,133	526,904	451,914
Net Interest Income	620,287	578,743	596,458	622,945	649,804	605,420
Net Interest Income Growth	6.49%	-2.97%	-4.25%	-4.13%	7.33%	5.12%
Income From Trading Activities	6,987	3,933	4,765	5,685	3,632	-
Gain (Loss) on Sale of Investments	60,873	34,661	14,869	724	-8,740	-
Gain (Loss) on Sale of Equity Investments	-	-	-	-	-	1,603
Other Non-Interest Income	116,001	123,534	112,478	116,261	125,246	217,223
Total Non-Interest Income	183,861	162,128	132,112	122,670	120,138	218,826
Non-Interest Income Growth	19.36%	22.72%	7.70%	2.11%	-45.10%	21.60%
Revenues Before Loan Losses	804,148	740,871	728,570	745,615	769,942	824,246
Provision for Loan Losses	159,873	133,317	120,700	136,774	154,535	167,949
Revenue	644,275	607,554	607,870	608,841	615,407	656,297
Revenue Growth	6.73%	-0.05%	-0.16%	-1.07%	-6.23%	16.70%
Salaries and Employee Benefits	136,646	136,646	133,760	128,018	125,150	-
Occupancy Expenses	30,614	30,614	32,025	32,450	33,558	-
Amortization of Goodwill & Intangibles	3,150	3,150	3,385	3,495	3,140	-
Selling, General & Administrative	47,677	47,677	46,346	47,708	49,984	209,863
Other Non-Interest Expense	12,903	9,176	8,557	8,937	8,633	67,657
Total Non-Interest Expense	229,012	226,927	223,489	219,457	219,271	277,884
EBT Excluding Unusual Items	415,263	380,627	384,381	389,384	396,136	378,413
Other Unusual Items	-	-	-	-	-12,432	-
Pretax Income	415,259	380,623	384,377	389,377	383,699	378,412
Income Tax Expense	58,292	40,833	48,095	56,917	58,836	74,484
Earnings From Continuing Operations	356,967	339,790	336,282	332,460	324,863	303,928
Minority Interest in Earnings	-1,195	-884	-705	193	-136	-1,415
Net Income	355,772	338,906	335,577	332,653	324,727	302,513
Preferred Dividends & Other Adjustments	5,420	5,420	7,108	5,110	4,538	4,538
Net Income to Common	350,352	333,486	328,469	327,543	320,189	297,975
Net Income Growth	6.15%	1.53%	0.28%	2.30%	7.46%	12.26%
Basic Shares Outstanding	262,766	256,107	250,011	250,011	250,011	250,011
Diluted Shares Outstanding	262,766	256,107	250,011	250,011	250,011	250,011
Shares Change	3.82%	2.44%	-	-	-	-
EPS (Basic)	1.33	1.30	1.31	1.31	1.28	1.19
EPS (Diluted)	1.33	1.30	1.31	1.31	1.28	1.19
EPS Growth	2.38%	-0.76%	0%	2.34%	7.56%	12.26%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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	0.404	0.389	0.403	0.400	0.389	0.364
Dividend Growth	3.09%	-3.55%	0.75%	2.83%	6.87%	11.66%
Effective Tax Rate	14.04%	10.73%	12.51%	14.62%	15.33%	19.68%