Industrial Bank Income Statement

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

Millions CNY. 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	312,406	343,835	349,079	328,746	315,158
Interest Paid on Deposits	163,654	195,728	202,576	183,473	169,479
Net Interest Income	148,752	148,107	146,503	145,273	145,679
Net Interest Income Growth (YoY)	0.43%	1.09%	0.85%	-0.28%	1.51%
Gain (Loss) on Sale of Assets	66	115	29	12	-6
Gain (Loss) on Sale of Investments	6,139	4,498	4,216	4,584	1,360
Gain (Loss) on Sale of Equity Investments	51	151	18	190	213
Other Non-Interest Income	57,178	58,700	59,422	71,835	73,381
Total Non-Interest Income	63,434	63,464	63,685	76,621	74,948
Non-Interest Income Growth (YoY)	-0.05%	-0.35%	-16.88%	2.23%	26.79%
Revenues Before Loan Losses	212,186	211,571	210,188	221,894	220,627
Provision for Loan Losses	57,497	60,180	60,974	48,592	66,841
Revenue	154,689	151,391	149,214	173,302	153,786
Revenue Growth (YoY)	2.18%	1.46%	-13.90%	12.69%	20.78%
Selling, General & Administrative	62,291	62,203	62,608	64,843	55,468
Other Non-Interest Expense	3,005	2,646	3,109	2,777	3,728
Total Non-Interest Expense	65,296	64,849	65,717	67,620	59,196
EBT Excluding Unusual Items	89,393	86,542	83,497	105,682	94,590
Other Unusual Items	580	578	832	539	720
Pretax Income	89,973	87,120	84,329	106,221	95,310
Income Tax Expense	12,119	9,629	6,675	13,807	11,494
Earnings From Continuing Operations	77,854	77,491	77,654	92,414	83,816
Minority Interest in Earnings	-385	-286	-538	-1,037	-1,136
Net Income	77,469	77,205	77,116	91,377	82,680
Preferred Dividends & Other Adjustments	4,733	4,212	4,212	4,212	4,260
Net Income to Common	72,736	72,993	72,904	87,165	78,420
Net Income Growth	0.34%	0.11%	-15.61%	10.52%	24.10%
Basic Shares Outstanding	21,001	20,774	20,774	20,774	20,774
Diluted Shares Outstanding	23,021	23,021	22,921	22,816	20,774
Shares Change (YoY)	-	0.44%	0.46%	9.83%	-
EPS (Basic)	3.46	3.51	3.51	4.20	3.77
EPS (Diluted)	3.21	3.23	3.24	3.87	3.77
EPS Growth	-0.50%	-0.26%	-16.49%	2.77%	22.40%
Dividend Per Share	1.066	1.060	1.040	1.188	1.035
Dividend Growth	0.57%	1.92%	-12.46%	14.78%	29.05%
Effective Tax Rate	13.47%	11.05%	7.92%	13.00%	12.06%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.