Industrial Bank Balance Sheet

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
Cash & Equivalents	338,162	273,486	264,411	236,792	264,826
Investment Securities	2,957,942	2,714,895	2,588,200	2,221,707	2,244,104
Trading Asset Securities	975,407	993,713	1,001,387	1,035,108	944,254
Total Investments	3,933,349	3,708,608	3,589,587	3,256,815	3,188,358
Gross Loans	6,436,273	6,147,794	5,927,052	5,394,618	4,791,176
Allowance for Loan Losses	-150,376	-149,995	-147,311	-131,317	-136,208
Other Adjustments to Gross Loans	-16,233	-14,678	-14,091	-11,970	-11,184
Net Loans	6,269,664	5,983,121	5,765,650	5,251,331	4,643,784
Property, Plant & Equipment	40,481	40,045	40,700	40,708	38,416
Goodwill	532	532	532	532	532
Other Intangible Assets	1,059	1,122	1,087	986	883
Accrued Interest Receivable	28,037	28,164	24,490	22,216	20,115
Other Receivables	25,008	18,341	19,051	21,985	14,588
Restricted Cash	311,484	318,903	357,075	355,956	343,500
Other Current Assets	52,172	49,624	18,715	7,211	156
Long-Term Deferred Tax Assets	72,722	67,259	58,046	54,873	49,146
Other Real Estate Owned & Foreclosed	1,241	1,079	475	395	413
Other Long-Term Assets	19,053	16,221	17,105	15,472	36,925
Total Assets	11,094,256	10,507,898	10,158,326	9,266,671	8,603,024
Accounts Payable	2,119	5,335	12,092	9,706	4,423
Accrued Expenses	42,815	39,796	36,982	34,463	29,108
Interest Bearing Deposits	6,140,095	5,287,655	5,134,862	4,578,881	4,245,597
Non-Interest Bearing Deposits	2,028,772	2,068,250	1,847,206	1,779,273	1,769,246
Total Deposits	8,168,867	7,355,905	6,982,068	6,358,154	6,014,843
Short-Term Borrowings	145,744	177,617	363,013	147,054	165,434
Current Portion of Leases	2,481	2,933	2,769	2,456	2,335
Current Income Taxes Payable	3,198	5,960	2,575	8,680	8,266
Accrued Interest Payable	97,529	106,566	87,974	58,854	51,784
Other Current Liabilities	44,135	33,104	19,290	56,628	51,915
Long-Term Debt	1,627,694	1,840,537	1,782,917	1,771,435	1,528,660
Long-Term Leases	6,221	6,371	6,890	6,840	6,718
Long-Term Unearned Revenue	2,126	1,545	1,828	2,468	3,751
Pension & Post-Retirement Benefits	113	129	108	324	125
Long-Term Deferred Tax Liabilities	204	151	179	348	163
Other Long-Term Liabilities	37,364	38,338	51,922	51,963	41,201
Total Liabilities	10,180,610	9,614,287	9,350,607	8,509,373	7,908,726
Preferred Stock, Redeemable	-	55,842	55,842	55,842	55,842
Common Stock	21,163	20,774	20,774	20,774	20,774
Additional Paid-In Capital	82,440	74,733	74,759	74,909	74,914
Retained Earnings	711,980	661,880	610,492	562,268	496,604
Comprehensive Income & Other	86,133	68,679	34,357	32,394	35,977
Total Common Equity	901,716	826,066	740,382	690,345	628,269
Minority Interest	11,930	11,703	11,495	11,111	10,187
Shareholders' Equity	913,646	893,611	807,719	757,298	694,298
Total Liabilities & Equity	11,094,256	10,507,898	10,158,326	9,266,671	8,603,024
Total Debt	1,782,140	2,027,458	2,155,589	1,927,785	1,703,147
Net Cash (Debt)	22,077	-463,141	-625,447	-512,414	-315,712
Net Cash Per Share	0.96	-20.12	-27.29	-22.46	-15.20
Filing Date Shares Outstanding	21,163	20,774	20,774	20,774	20,774
Total Common Shares Outstanding	21,163	20,774	20,774	20,774	20,774
Book Value Per Share	38.83	36.88	34.20	31.79	28.80
Tangible Book Value	900,125	824,412	738,763	688,827	626,854
Tangible Book Value Per Share	38.75	36.80	34.12	31.72	28.73

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