Bank of Ningbo 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	106,994	105,205	102,585	90,766	78,731	67,762
Interest Paid on Deposits	50,165	52,044	54,592	49,859	41,210	35,065
Net Interest Income	56,829	53,161	47,993	40,907	37,521	32,697
Net Interest Income Growth	12.39%	10.77%	17.32%	9.02%	14.75%	17.37%
Gain (Loss) on Sale of Assets	1	90	1	280	13	7
Gain (Loss) on Sale of Investments	3,656	5,018	4,575	2,756	1,975	1,040
Gain (Loss) on Sale of Equity Investments	10	10	-2	-	-	-
Other Non-Interest Income	15,761	13,690	14,037	17,652	18,378	19,037
Total Non-Interest Income	19,428	18,808	18,611	20,688	20,366	20,084
Non-Interest Income Growth	3.60%	1.06%	-10.04%	1.58%	1.40%	51.55%
Revenues Before Loan Losses	76,257	71,969	66,604	61,595	57,887	52,781
Provision for Loan Losses	17,504	15,279	10,679	8,940	10,431	12,354
Revenue	58,753	56,690	55,925	52,655	47,456	40,427
Revenue Growth	4.08%	1.37%	6.21%	10.96%	17.39%	24.61%
Selling, General & Administrative	23,529	23,550	23,670	24,012	21,582	19,500
Other Non-Interest Expense	839	799	734	605	474	419
Total Non-Interest Expense	24,523	24,529	24,666	24,747	22,168	19,975
EBT Excluding Unusual Items	34,230	32,161	31,259	27,908	25,288	20,452
Asset Writedown	-	-	27	-10	-8	-7
Other Unusual Items	2	-	-	-	-	-
Pretax Income	34,232	32,161	31,286	27,898	25,280	20,445
Income Tax Expense	2,815	2,632	4,065	2,289	2,148	836
Earnings From Continuing Operations	31,417	29,529	27,221	25,609	23,132	19,609
Minority Interest in Earnings	-294	-196	-94	-74	-57	-63
Net Income	31,123	29,333	27,127	25,535	23,075	19,546
Preferred Dividends & Other Adjustments	1,022	1,022	1,022	757	757	757
Net Income to Common	30,101	28,311	26,105	24,778	22,318	18,789
Net Income Growth	10.55%	8.45%	5.36%	11.02%	18.78%	31.42%
Basic Shares Outstanding	6,604	6,604	6,604	6,604	6,604	6,008
Diluted Shares Outstanding	6,604	6,604	6,604	6,604	6,604	6,008
Shares Change	-0.10%	-	-	-	9.92%	2.16%
EPS (Basic)	4.56	4.29	3.95	3.75	3.38	3.13
EPS (Diluted)	4.56	4.29	3.95	3.75	3.38	3.13
EPS Growth	10.66%	8.53%	5.33%	10.96%	8.06%	28.70%

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	1.300	1.200	0.900	0.600	0.500	0.500
Dividend Growth	8.33%	33.33%	50.00%	20.00%	0%	0%
Effective Tax Rate	8.22%	8.18%	12.99%	8.21%	8.50%	4.09%