China Banking Income Statement

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

Millions PHP. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	71,649	61,146	51,691	39,553	34,700
Interest Income on Investments	33,557	32,608	27,677	17,658	11,796
Total Interest Income	105,206	93,754	79,368	57,211	46,496
Interest Paid on Deposits	27,020	25,995	21,741	8,824	5,112
Interest Paid on Borrowings	5,592	4,221	4,100	2,797	2,300
Total Interest Expense	32,612	30,215	25,840	11,622	7,411
Net Interest Income	72,595	63,539	53,528	45,590	39,085
Net Interest Income Growth (YoY)	14.25%	18.70%	17.41%	16.64%	13.65%
Trust Income	784.18	690.81	585.92	473.83	450.97
Income From Trading Activities	479.5	1,109	1,129	927.54	-64.01
Gain (Loss) on Sale of Assets	289.05	436.9	602.84	698.8	388.3
Gain (Loss) on Sale of Investments	89.58	-0.47	0.08	1.92	4,064
Gain (Loss) on Sale of Equity Investments	1,501	757.36	435.08	285.06	-1.61
Other Non-Interest Income	-7,162	-1,633	-2,609	7,530	4,665
Total Non-Interest Income	3,105	1,950	563.65	10,063	9,590
Non-Interest Income Growth (YoY)	59.21%	246.00%	-94.40%	4.93%	1.35%
Revenues Before Loan Losses	75,700	65,489	54,091	55,652	48,675
Provision for Loan Losses	7,034	3,315	1,246	9,013	8,877
Revenue	68,665	62,174	52,845	46,640	39,798
Revenue Growth (YoY)	10.44%	17.65%	13.31%	17.19%	13.76%
Salaries and Employee Benefits	11,368	9,754	8,969	8,145	7,505
Occupancy Expenses	2,656	2,288	2,006	1,737	1,787
Selling, General & Administrative	5,733	5,435	4,765	4,438	4,200
Other Non-Interest Expense	14,157	12,877	10,972	9,703	8,581
Total Non-Interest Expense	33,914	30,354	26,712	24,022	22,074
EBT Excluding Unusual Items	34,751	31,820	26,133	22,617	17,725
Legal Settlements	-502.1	-395.22	-325.19	-332.03	-261.28
Pretax Income	34,249	31,425	25,808	22,285	17,463
Income Tax Expense	6,263	6,614	3,790	3,150	2,357
Earnings From Continuing Operations	27,986	24,811	22,018	19,136	15,106
Minority Interest in Earnings	-8.03	-7.91	-7.43	-28.3	-17.89
Net Income	27,978	24,803	22,011	19,108	15,088
Net Income to Common	27,978	24,803	22,011	19,108	15,088
Net Income Growth	12.80%	12.69%	15.19%	26.64%	25.08%
Basic Shares Outstanding	2,691	2,691	2,691	2,691	2,688
Diluted Shares Outstanding	2,691	2,691	2,691	2,691	2,688
Shares Change (YoY)	-	-	0.00%	0.13%	0.07%
EPS (Basic)	10.40	9.22	8.18	7.10	5.61
EPS (Diluted)	10.40	9.22	8.18	7.10	5.61
EPS Growth	12.80%	12.69%	15.19%	26.47%	25.00%
Dividend Per Share	-	1.500	1.200	1.000	1.000
Dividend Growth	-	25.00%	20.00%	-	-
Effective Tax Rate	18.29%	21.05%	14.69%	14.13%	13.50%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.