Industrial 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	301,149	312,406	343,835	349,079	328,746	315,158
Interest Paid on Deposits	153,348	163,654	195,728	202,576	183,473	169,479
Net Interest Income	147,801	148,752	148,107	146,503	145,273	145,679
Net Interest Income Growth	0.56%	0.43%	1.09%	0.85%	-0.28%	1.51%
Gain (Loss) on Sale of Assets	21	66	115	29	12	-6
Gain (Loss) on Sale of Investments	9,311	6,139	4,498	4,216	4,584	1,360
Gain (Loss) on Sale of Equity Investments	66	51	151	18	190	213
Other Non-Interest Income	54,620	57,178	58,700	59,422	71,835	73,381
Total Non-Interest Income	64,018	63,434	63,464	63,685	76,621	74,948
Non-Interest Income Growth	3.79%	-0.05%	-0.35%	-16.88%	2.23%	26.79%
Revenues Before Loan Losses	211,819	212,186	211,571	210,188	221,894	220,627
Provision for Loan Losses	59,891	57,497	60,180	60,974	48,592	66,841
Revenue	151,928	154,689	151,391	149,214	173,302	153,786
Revenue Growth	-0.51%	2.18%	1.46%	-13.90%	12.69%	20.78%
Selling, General & Administrative	61,882	62,291	62,203	62,608	64,843	55,468
Other Non-Interest Expense	2,926	3,005	2,646	3,109	2,777	3,728
Total Non-Interest Expense	64,808	65,296	64,849	65,717	67,620	59,196
EBT Excluding Unusual Items	87,120	89,393	86,542	83,497	105,682	94,590
Other Unusual Items	667	580	578	832	539	720
Pretax Income	87,787	89,973	87,120	84,329	106,221	95,310
Income Tax Expense	11,979	12,119	9,629	6,675	13,807	11,494
Earnings From Continuing Operations	75,808	77,854	77,491	77,654	92,414	83,816
Minority Interest in Earnings	-349	-385	-286	-538	-1,037	-1,136
Net Income	75,459	77,469	77,205	77,116	91,377	82,680
Preferred Dividends & Other Adjustments	2,763	4,733	4,212	4,212	4,212	4,260
Net Income to Common	72,696	72,736	72,993	72,904	87,165	78,420
Net Income Growth	0.18%	-0.35%	0.12%	-16.36%	11.15%	22.38%
Basic Shares Outstanding	21,163	21,001	20,774	20,774	20,774	20,774
Diluted Shares Outstanding	23,068	23,021	23,021	22,921	22,816	20,774
Shares Change	0.20%	-	0.44%	0.46%	9.83%	-
EPS (Basic)	3.44	3.46	3.51	3.51	4.20	3.77
EPS (Diluted)	3.20	3.21	3.23	3.24	3.87	3.77
EPS Growth	-0.27%	-0.50%	-0.26%	-16.49%	2.77%	22.40%

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	0.501	1.066	1.060	1.040	1.188	1.035
Dividend Growth	-69.17%	0.57%	1.92%	-12.46%	14.78%	29.05%
Effective Tax Rate	13.65%	13.47%	11.05%	7.92%	13.00%	12.06%