Hua Xia 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	Jun '26 Jun 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	134,705	135,151	146,483	155,611	151,315	152,841
Interest Paid on Deposits	67,773	72,203	84,420	85,169	77,022	73,236
Net Interest Income	66,932	62,948	62,063	70,442	74,293	79,605
Net Interest Income Growth	9.87%	1.43%	-11.89%	-5.18%	-6.67%	-2.88%
Gain (Loss) on Sale of Assets	-9	191	24	39	-3	-8
Gain (Loss) on Sale of Investments	4,538	5,798	3,645	1,890	1,624	741
Other Non-Interest Income	26,166	22,922	31,336	20,717	17,894	15,532
Total Non-Interest Income	30,695	28,911	35,005	22,646	19,515	16,265
Non-Interest Income Growth	-7.82%	-17.41%	54.57%	16.04%	19.98%	21.91%
Revenues Before Loan Losses	97,627	91,859	97,068	93,088	93,808	95,870
Provision for Loan Losses	33,441	25,027	28,427	25,301	30,733	35,198
Revenue	64,186	66,832	68,641	67,787	63,075	60,672
Revenue Growth	-4.86%	-2.63%	1.26%	7.47%	3.96%	9.72%
Selling, General & Administrative	27,866	28,133	28,954	29,236	28,264	27,863
Other Non-Interest Expense	5,025	4,465	3,823	3,227	1,116	1,271
Total Non-Interest Expense	32,891	32,598	32,777	32,463	29,380	29,134
EBT Excluding Unusual Items	31,295	34,234	35,864	35,324	33,695	31,538
Other Unusual Items	-81	-60	15	115	-112	-45
Pretax Income	31,214	34,174	35,879	35,439	33,583	31,493
Income Tax Expense	5,520	6,423	7,683	8,594	8,093	7,590
Earnings From Continuing Operations	25,694	27,751	28,196	26,845	25,490	23,903
Minority Interest in Earnings	-599	-551	-520	-482	-455	-368
Net Income	25,095	27,200	27,676	26,363	25,035	23,535
Preferred Dividends & Other Adjustments	1,430	1,430	1,940	2,876	2,876	2,780
Net Income to Common	23,665	25,770	25,736	23,487	22,159	20,755
Net Income Growth	-0.41%	0.13%	9.58%	5.99%	6.77%	12.22%
Basic Shares Outstanding	15,915	15,915	15,915	15,915	15,475	15,387
Diluted Shares Outstanding	15,915	15,915	15,915	15,915	15,475	15,387
Shares Change	9.73%	-	-	2.84%	0.57%	-
EPS (Basic)	1.49	1.62	1.62	1.48	1.43	1.35
EPS (Diluted)	1.49	1.62	1.62	1.48	1.43	1.35
EPS Growth	-9.24%	0.13%	9.57%	3.20%	6.02%	12.22%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	0.320	0.420	0.405	0.384	0.383	0.338
Dividend Growth	-36.63%	3.70%	5.47%	0.26%	13.31%	12.29%
Effective Tax Rate	17.68%	18.80%	21.41%	24.25%	24.10%	24.10%