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	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	209,156	222,855	251,086	267,126	262,937	277,679
Interest Paid on Deposits	105,294	122,729	152,396	164,695	155,474	151,904
Net Interest Income	103,862	100,126	98,690	102,431	107,463	125,775
Net Interest Income Growth	3.39%	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	10,630	6,553	1,867	8,529	4,357	7,346
Other Non-Interest Income	29,981	35,749	35,275	24,276	25,214	31,625
Total Non-Interest Income	40,611	42,302	37,142	37,553	34,261	42,081
Non-Interest Income Growth	-3.82%	13.89%	-1.09%	9.61%	-18.58%	-14.51%
Revenues Before Loan Losses	144,473	142,428	135,832	139,984	141,724	167,856
Provision for Loan Losses	61,379	53,950	45,474	45,707	48,762	77,398
Revenue	83,094	88,478	90,358	94,277	92,962	90,458
Revenue Growth	-5.98%	-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	50,542	51,006	51,318	13,870	14,971	14,011
Other Non-Interest Expense	4,803	5,066	5,154	3,492	2,558	3,324
Total Non-Interest Expense	55,963	56,656	56,731	56,919	55,792	54,858
EBT Excluding Unusual Items	27,131	31,822	33,627	37,358	37,170	35,600
Other Unusual Items	437	437	458	-	-	-
Pretax Income	27,568	32,259	34,085	37,358	37,170	35,600
Income Tax Expense	1,415	1,677	1,363	1,372	1,393	747
Earnings From Continuing Operations	26,153	30,582	32,722	35,986	35,777	34,853
Minority Interest in Earnings	191	-19	-426	-163	-508	-472
Net Income	26,344	30,563	32,296	35,823	35,269	34,381
Preferred Dividends & Other Adjustments	3,112	3,112	4,316	4,316	4,106	3,328
Net Income to Common	23,232	27,451	27,980	31,507	31,163	31,053
Net Income Growth	-10.77%	-1.89%	-11.19%	1.10%	0.35%	0.26%
Basic Shares Outstanding	45,504	43,782	43,782	43,782	43,782	43,782
Diluted Shares Outstanding	45,504	43,782	43,782	43,782	43,782	43,782
Shares Change	8.46%	-	-	-	-	-
EPS (Basic)	0.51	0.63	0.64	0.72	0.71	0.71
EPS (Diluted)	0.51	0.63	0.64	0.72	0.71	0.71
EPS Growth	-17.73%	-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	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	0.171	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	5.13%	5.20%	4.00%	3.67%	3.75%	2.10%