SHA:600016 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	213,422	222,855	251,086	267,126	262,937	277,679
Interest Paid on Deposits	109,915	122,729	152,396	164,695	155,474	151,904
Net Interest Income	103,507	100,126	98,690	102,431	107,463	125,775
Net Interest Income Growth	4.23%	1.46%	-3.65%	-4.68%	-14.56%	-6.99%
Income From Trading Activities	-	-	-	4,748	4,690	3,110
Gain (Loss) on Sale of Investments	10,091	6,553	1,867	8,529	4,357	7,346
Other Non-Interest Income	31,937	35,749	35,275	24,276	25,214	31,625
Total Non-Interest Income	42,028	42,302	37,142	37,553	34,261	42,081
Non-Interest Income Growth	1.41%	13.89%	-1.09%	9.61%	-18.58%	-14.51%
Revenues Before Loan Losses	145,535	142,428	135,832	139,984	141,724	167,856
Provision for Loan Losses	59,368	53,950	45,474	45,707	48,762	77,398
Revenue	86,167	88,478	90,358	94,277	92,962	90,458
Revenue Growth	-4.04%	-2.08%	-4.16%	1.42%	2.77%	-1.10%
Salaries and Employee Benefits	-	-	-	32,176	31,455	31,015
Occupancy Expenses	-	-	-	7,381	6,808	6,508
Selling, General & Administrative	50,839	51,006	51,318	13,870	14,971	14,011
Other Non-Interest Expense	4,935	5,066	5,154	3,492	2,558	3,324
Total Non-Interest Expense	56,194	56,656	56,731	56,919	55,792	54,858
EBT Excluding Unusual Items	29,973	31,822	33,627	37,358	37,170	35,600
Other Unusual Items	112	437	458	-	-	-
Pretax Income	30,085	32,259	34,085	37,358	37,170	35,600
Income Tax Expense	1,726	1,677	1,363	1,372	1,393	747
Earnings From Continuing Operations	28,359	30,582	32,722	35,986	35,777	34,853
Minority Interest in Earnings	361	-19	-426	-163	-508	-472
Net Income	28,720	30,563	32,296	35,823	35,269	34,381
Preferred Dividends & Other Adjustments	3,802	3,112	4,316	4,316	4,106	3,328
Net Income to Common	24,918	27,451	27,980	31,507	31,163	31,053
Net Income Growth	-13.56%	-1.89%	-11.19%	1.10%	0.35%	0.26%
Basic Shares Outstanding	43,782	43,782	43,782	43,782	43,782	43,782
Diluted Shares Outstanding	43,782	43,782	43,782	43,782	43,782	43,782
Shares Change	-	-	-	-	-	-
EPS (Basic)	0.57	0.63	0.64	0.72	0.71	0.71
EPS (Diluted)	0.57	0.63	0.64	0.72	0.71	0.71
EPS Growth	-13.56%	-1.89%	-11.19%	1.36%	0.10%	0.26%

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	0.171	0.189	0.192	0.216	0.214	0.213
Dividend Growth	-13.64%	-1.56%	-11.11%	0.94%	0.47%	0%
Effective Tax Rate	5.74%	5.20%	4.00%	3.67%	3.75%	2.10%