Below are the financial statements of SPD Bank, including the income statement and balance sheet for the company's latest fiscal year. All figures are accurate, verifiable, and fully traceable to the original annual filing where disclosed.
| All figures in billions of CNY | 2024 | 2023 |
|---|---|---|
| Interest income | 288.13a | 297.6a |
| Interest expense | -173.41a | -179.16a |
| Net interest income | 114.72a | 118.44a |
| Fee and commission income | 29.79a | 32.04a |
| Fee and commission expense | -6.97a | -7.58a |
| Net fee and commission income | 22.82a | 24.45a |
| Net trading gains | 20.91a | 19.59a |
| Net gains arising from financial investments | 7.45a | 7.12a |
| Other net operating income | 5.88a | 3.74a |
| Operating expenses | -54.15a | -56.01a |
| Impairment losses | -69.48a | -76.86a |
| Net gains arising from associates and joint ventures | 0.22a | 0.22a |
| Profit before income tax | 48.37a | 40.69a |
| Income tax expense | -2.53a | -3.26a |
| Net profit | 45.84a | 37.43a |
| Net profit attributable to | — | — |
| Shareholders of the Bank | 45.26a | 36.7a |
| Non-controlling interests | 0.58a | 0.73a |
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