Xiamen 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	Mar '26 Mar 31, 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	12,021	11,870	12,374	12,520	12,303	11,378
Interest Paid on Deposits	7,604	7,675	8,369	8,193	7,513	6,948
Net Interest Income	4,417	4,195	4,005	4,326	4,790	4,430
Net Interest Income Growth (YoY)	11.55%	4.75%	-7.43%	-9.67%	8.11%	-3.94%
Gain (Loss) on Sale of Assets	2.64	2.53	-1.42	28.43	6.31	-3.34
Gain (Loss) on Sale of Investments	-	-	-	-	-	37.57
Other Non-Interest Income	1,745	1,662	1,756	1,248	1,099	851
Total Non-Interest Income	1,747	1,665	1,754	1,276	1,106	885.23
Non-Interest Income Growth (YoY)	14.54%	-5.10%	37.45%	15.44%	24.88%	-3.20%
Revenues Before Loan Losses	6,164	5,860	5,759	5,603	5,895	5,316
Provision for Loan Losses	949.22	753.13	697.84	635.62	1,306	1,012
Revenue	5,215	5,107	5,061	4,967	4,589	4,303
Revenue Growth (YoY)	6.59%	0.90%	1.90%	8.24%	6.64%	21.83%
Selling, General & Administrative	2,331	2,267	2,238	2,221	2,022	1,836
Other Non-Interest Expense	72.52	70.05	69.94	86.08	91.84	60.03
Total Non-Interest Expense	2,407	2,337	2,322	2,311	2,109	1,912
EBT Excluding Unusual Items	2,808	2,770	2,739	2,656	2,480	2,391
Asset Writedown	-	-	-3.56	-14.24	-4.97	-38.06
Other Unusual Items	-	-	-	-	-	9.17
Pretax Income	2,808	2,770	2,735	2,642	2,475	2,362
Income Tax Expense	-8.54	17.96	29.47	-110.64	-97.13	148.94
Earnings From Continuing Operations	2,816	2,752	2,706	2,752	2,572	2,213
Minority Interest in Earnings	-133.81	-116.91	-111.23	-88.53	-65.64	-44.32
Net Income	2,683	2,635	2,595	2,664	2,506	2,169
Preferred Dividends & Other Adjustments	258.25	258.25	258.25	120	120	48
Net Income to Common	2,424	2,377	2,336	2,544	2,386	2,121
Net Income Growth	7.84%	1.55%	-2.60%	6.30%	15.56%	18.99%
Basic Shares Outstanding	2,628	2,639	2,639	2,639	2,639	2,639
Diluted Shares Outstanding	2,628	2,639	2,639	2,639	2,639	2,639
Shares Change (YoY)	-0.80%	-	-	-	-	9.09%
EPS (Basic)	0.92	0.90	0.89	0.96	0.90	0.80
EPS (Diluted)	0.92	0.90	0.89	0.96	0.90	0.80
EPS Growth	9.56%	1.66%	-7.78%	6.67%	12.50%	6.67%
Dividend Per Share	0.025	0.025	0.310	0.310	0.290	0.250
Dividend Growth	-91.94%	-91.94%	-	6.90%	16.00%	38.89%
Effective Tax Rate	-	0.65%	1.08%	-	-	6.31%