Balance Sheet Bank of Shanghai Co., Ltd.

Equities

601229

CNE100002FM5

Banks

End-of-day quote Shanghai S.E. Other stock markets 2025-12-16			5-day change	1st Jan Change
9.830 ^CNY	-0.10%		+1.76%	+7.43%

Dec. 11	Bank of Shanghai Raises 10 Billion Yuan Via Perpetual Bond Issue	MT
Oct. 31	Yangzijiang Financial Holding Ltd. Appoints Kathy Zhang Chengshuang as Independent Non-Executive Director, Effective October 31, 2025	CI

962e762c587de8ac56e.Unaf0I6N1ICDCGuyv2VkmPibLc5JDkuPEelBv_qa5UE.Ok7c6NrCheyxUD6L7Q0W9L6pbK1keD_CI7sZ267Zii5rQa-jyMeZyNJmUw

Published financial data: BANK OF SHANGHAI CO., LTD.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	84.19B	93.02B	92.4B	94.72B	91.23B
Interest Income, Total	84.19B	93.02B	92.4B	94.72B	91.23B
Interest On Deposits	47.79B	52.58B	54.4B	59.55B	58.74B
Interest Expense, Total	47.79B	52.58B	54.4B	59.55B	58.74B
Net Interest Income	36.39B	40.44B	38B	35.16B	32.49B
Gain (Loss) on Sale of Assets	-6.01M	12.76M	13.44M	27.28M	45.73M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	141M	-74.41M	1.09B	2.13B	6.59B
Income (Loss) on Equity Invest. (Income Block)	40.16M	27.74M	48.37M	96.82M	105M
Total Other Non Interest Income	14.09B	15.76B	13.61B	12.58B	13.76B
Non Interest Income, Total	14.27B	15.72B	14.76B	14.84B	20.5B
Revenues Before Provison For Loan Losses	50.66B	56.16B	52.76B	50B	52.99B
Provision For Loan Losses	18.27B	19.97B	16.3B	11.43B	12.45B
Total Revenues	32.39B	36.19B	36.46B	38.57B	40.54B
Selling General & Admin Expenses, Total	9.61B	12.1B	12.23B	12.45B	12.62B
Total Other Non Interest Expense	544M	607M	564M	655M	615M
Non Operating (Income) Expenses	-	-	-59.08M	-63.64M	300M
Non Interest Expense, Total	10.15B	12.71B	12.73B	13.04B	13.54B
EBT, Excl. Unusual Items	22.24B	23.49B	23.73B	25.53B	27B
Legal Settlements	-4.73M	14.94M	8.95M	-1.16M	15.72M
Other Unusual Items	180M	51.16M	303M	369M	-
EBT, Incl. Unusual Items	22.41B	23.55B	24.04B	25.9B	27.02B
Income Tax Expense	1.5B	1.47B	1.73B	3.32B	3.46B
Earnings From Continuing Operations	20.91B	22.08B	22.32B	22.57B	23.56B
Net Income to Company	20.91B	22.08B	22.32B	22.57B	23.56B
Minority Interest	-29.81M	-37.92M	-37.71M	-27.46M	-558K
Net Income - (IS)	20.89B	22.04B	22.28B	22.54B	23.56B
Preferred Dividend and Other Adjustments	1.04B	1.04B	1.04B	804M	804M
Net Income to Common Incl Extra Items	19.85B	21B	21.24B	21.74B	22.76B
Net Income to Common Excl. Extra Items	19.85B	21B	21.24B	21.74B	22.76B
Per Share Items
Net EPS - Basic	1.4	1.48	1.5	1.53	1.6
Basic EPS - Continuing Operations	1.4	1.48	1.5	1.53	1.6
Basic Weighted Average Shares Outstanding	14.21B	14.21B	14.21B	14.21B	14.21B
Net EPS - Diluted	1.4	1.35	1.35	1.37	1.44
Diluted EPS - Continuing Operations	1.4	1.35	1.35	1.37	1.44
Diluted Weighted Average Shares Outstanding	14.21B	15.93B	16.16B	16.24B	16.24B
Normalized Basic EPS	0.98	1.03	1.04	1.12	1.19
Normalized Diluted EPS	0.98	0.92	0.92	0.98	1.04
Dividend Per Share	0.4	0.4	0.4	0.46	0.5
Payout Ratio	32.27	30.58	30.1	28.69	88.58
Supplemental Items
Effective Tax Rate - (Ratio)	6.67	6.26	7.18	12.84	12.81
Current Domestic Taxes	-	-	-	-	-
Total Current Taxes	4.01B	5.49B	4.84B	2.25B	3.78B
Deferred Domestic Taxes	-	-	-	-	-
Total Deferred Taxes	-2.52B	-4.02B	-3.12B	1.07B	-322M
Normalized Net Income	13.87B	14.64B	14.8B	15.93B	16.88B
Non-Cash Pension Expense	-104K	-68K	142K	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	50.77B	53.25B	51.08B	39.17B	63.68B
Investment Securities, Total	838B	809B	871B	958B	1,092B
Trading Asset Securities, Total	339B	245B	323B	376B	321B
Total investments	1,178B	1,054B	1,194B	1,334B	1,413B
Gross Loans	1,098B	1,414B	1,508B	1,588B	1,628B
Allowance For Loan Losses	-39.48B	-44.31B	-45.61B	-44.05B	-44.88B
Net Loans	1,059B	1,370B	1,463B	1,544B	1,583B
Gross Property Plant And Equipment	10.4B	13.27B	18.54B	20B	19.75B
Accumulated Depreciation	-4.54B	-5.56B	-6.69B	-7.08B	-7.53B
Net Property Plant And Equipment	5.86B	7.71B	11.84B	12.92B	12.22B
Other Intangibles, Total	757M	1.08B	1.29B	1.31B	1.35B
Investment in Real Estate	-	-	-	-	343M
Accrued Interest Receivable	4.58B	5.45B	5.81B	6.37B	6.11B
Other Receivables	2.28B	3.51B	4.82B	2.82B	2.18B
Restricted Cash	123B	114B	115B	114B	100B
Other Current Assets, Total	20.94B	23.48B	7.56B	8.7B	21.99B
Deferred Tax Assets Long-Term (Collected)	16.13B	20.38B	23.52B	21.95B	21.28B
Other Real Estate Owned And Foreclosed	-	-	-	-	-
Deferred Charges Long-Term	330M	358M	405M	488M	524M
Other Long-Term Assets, Total	875M	364M	-	-	-
Total Assets	2,462B	2,653B	2,879B	3,086B	3,227B
Liabilities
Accrued Expenses, Total	5.14B	6.89B	6.75B	7.12B	6.97B
Interest Bearing Deposits	1,201B	1,404B	1,493B	1,520B	1,548B
Non-Interest Bearing Deposits	530B	551B	569B	586B	582B
Total Deposits	1,731B	1,954B	2,062B	2,106B	2,131B
Short-Term Borrowings	233B	63.58B	149B	199B	143B
Current Portion of Long-Term Debt	234B	301B	269B	353B	489B
Current Portion of Leases	-	-	-	-	703M
Long-Term Debt	31.1B	80.67B	124B	133B	155B
Long-Term Leases	-	1.73B	1.69B	1.65B	886M
Current Income Taxes Payable	2.8B	3.83B	3.87B	1.22B	1.98B
Accrued Interest Payable	20.59B	24.09B	28.58B	32.46B	31.73B
Other Current Liabilities - (Bank / Utility Template)	8.65B	6.93B	7.74B	6.74B	5.65B
Unearned Revenue Non Current	458M	712M	499M	436M	490M
Pension & Other Post Retirement Benefits	-	-	450K	591K	624K
Deferred Tax Liability Non-Current	388K	8.07M	3.75M	311K	-
Other Non Current Liabilities	3.84B	4.11B	3.61B	5.44B	5.69B
Total Liabilities	2,271B	2,447B	2,657B	2,846B	2,972B
Preferred Stock Convertible	20B	20B	20B	20B	20B
Preferred Stock - Others	-42.83M	-42.83M	-42.83M	-42.83M	-42.83M
Total Preferred Equity	19.96B	19.96B	19.96B	19.96B	19.96B
Common Stock, Total	14.21B	14.21B	14.21B	14.21B	14.21B
Additional Paid In Capital	22.05B	22.05B	22.05B	22.05B	22.05B
Retained Earnings	131B	146B	162B	178B	190B
Comprehensive Income and Other	3.38B	2.83B	3.12B	4.6B	7.95B
Total Common Equity	170B	185B	201B	219B	234B
Minority Interest	541M	565M	594M	470M	464M
Total Equity	191B	206B	222B	239B	255B
Total Liabilities And Equity	2,462B	2,653B	2,879B	3,086B	3,227B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	14.21B	14.21B	14.21B	14.21B	14.21B
ECS Total Common Shares Outstanding	14.21B	14.21B	14.21B	14.21B	14.21B
Book Value / Share	12	13.04	14.16	15.39	16.49
Tangible Book Value	170B	184B	200B	217B	233B
Tangible Book Value Per Share	11.94	12.96	14.06	15.3	16.39
Average Assets	-	-	-	-	-
Average Loans	1,018B	1,169B	1,262B	1,337B	1,400B
Total Debt	499B	447B	544B	687B	789B
Deposits at Interest - Cash	48.01B	54.61B	58.29B	38.92B	64.6B
Net Debt	-66.29B	143B	108B	259B	386B
Equity Method Investments, Total	446M	460M	508M	963M	1.07B
Full Time Employees	13.36K	13.66K	14.33K	14.89K	14.71K
Number Of Offices	324	335	339	347	358

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	20.89B	22.04B	22.28B	22.54B	23.56B
Depreciation, Depletion & Amortization	435M	1.26B	1.38B	1.47B	1.62B
Amortization of Goodwill and Intangible Assets - (CF)	6.62M	6.67M	6.47M	6.56M	6.59M
Total Depreciation, Depletion & Amortization	441M	1.26B	1.38B	1.48B	1.63B
Amortization of Deferred Charges, Total	168M	257M	319M	385M	413M
(Gain) Loss On Sale of Asset - (CF)	6M	-12.63M	-11.86M	-27.28M	-42.89M
(Gain) Loss on Sale of Investments - (CF)	-8.98B	-6.65B	5.69B	-852M	-3.07B
Total Asset Writedown	-	-	-22.91M	202M	65.03M
Provision for Credit Losses	18.27B	19.96B	10.85B	9.99B	11.82B
Change in Other Net Operating Assets (Collected)	1.5B	-23.24B	12.8B	-842M	202M
Other Operating Activities	-19.82B	-24.68B	-28.09B	-28.84B	-30.49B
Cash from Operations	12.47B	-11.06B	25.19B	4.04B	4.08B
Capital Expenditure	-1.13B	-959M	-689M	-1.15B	-1.18B
Sale of Property, Plant, and Equipment	7.01M	19.76M	25.18M	47.34M	37.14M
Investment in Marketable and Equity Securities, Total	-24.74B	-79.74B	-84.12B	-90.48B	-93.67B
Other Investing Activities, Total	29.98B	29.07B	36.14B	34.38B	41.8B
Cash from Investing	4.12B	-51.6B	-48.65B	-57.21B	-53.01B
Long-Term Debt Issued, Total	634B	840B	775B	762B	982B
Total Debt Issued	634B	840B	775B	762B	982B
Long-Term Debt Repaid, Total	-635B	-757B	-735B	-713B	-886B
Total Debt Repaid	-635B	-757B	-735B	-713B	-886B
Issuance of Common Stock	-	-	-	-	-
Issuance of Preferred Stock	-	-	-	-	-
Common Dividends Paid	-	-	-	-	-20.87B
Common & Preferred Stock Dividends Paid	-6.74B	-6.74B	-6.71B	-6.47B	-
Common & Preferred Stock Dividends Paid	-6.74B	-6.74B	-6.71B	-6.47B	-20.87B
Other Financing Activities, Total	-5.55B	-6.63B	-7.49B	-8.42B	-
Cash from Financing	-13.19B	69.44B	26.01B	33.51B	74.36B
Foreign Exchange Rate Adjustments	-735M	-274M	560M	237M	284M
Net Change in Cash	2.66B	6.51B	3.11B	-19.42B	25.71B
Supplemental Items
Cash Interest Paid	46.9B	49.12B	47.95B	54.69B	50.27B
Cash Income Tax Paid (Refund)	9.93B	9.34B	9.54B	9.58B	7.53B
Net Debt Issued / Repaid	-906M	82.81B	40.21B	48.39B	95.23B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.89	0.86	0.81	0.76	0.75
Return On Equity %	11.36	11.13	10.44	9.8	9.54
Return on Common Equity	12.13	11.81	11	10.36	10.05
Shareholders Value Added	1.26B	708M	-894M	-2.63B	-3.6B
Margin Analysis
SG&A Margin	29.66	33.43	33.53	32.27	31.13
Net Interest Income / Total Revenues %	112.38	111.72	104.21	91.18	80.13
EBT Excl. Non-Recurring Items Margin %	68.66	64.9	65.08	66.2	66.61
Income From Continuing Operations Margin %	64.58	61.01	61.2	58.53	58.11
Net Income Margin %	64.49	60.9	61.1	58.46	58.11
Net Avail. For Common Margin %	61.28	58.03	58.25	56.37	56.13
Normalized Net Income Margin	42.82	40.46	40.57	41.3	41.63
Asset quality
Nonperforming Loans / Total Loans %	1.22	1.08	1.08	1.05	1.02
Nonperforming Loans / Total Assets %	0.54	0.58	0.57	0.54	0.51
Nonperforming Assets / Total Assets %	0.57	0.6	0.59	0.56	0.52
NPAs / Loans and OREO	1.27	1.12	1.12	1.08	1.04
NPAs / Equity	7.29	7.68	7.63	7.2	6.64
Allowance for Credit Losses / Net Charge-offs %	337.61	699.03	472.15	348.19	370.42
Allowance for Credit Losses / Nonperforming Loans %	294.58	289.69	279.91	265.25	270.67
Allowance for Credit Losses / Total Loans %	3.59	3.13	3.02	2.77	2.76
Net Charge-offs / Total Average Loans %	1.15	0.54	0.77	0.95	0.86
Provision for Loan Losses / Net Charge-offs %	156.28	315	168.71	90.39	102.73
Earning Assets / IBL	94.84	98.55	98.72	97.24	97.76
Interest Income / Average Assets	-	-	-	-	-
Interest Expense / Average Assets	-	-	-	-	-
Net Interest Income / Average Assets	-	-	-	-	-
Non Interest Income / Average Assets	-	-	-	-	-
Non Interest Expense / Average Asset	-	-	-	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.96	6.95	6.98	7.04	7.17
Total Average Equity / Total Average Assets %	7.83	7.76	7.73	7.72	7.82
Total Equity + Allowance for Loan Losses / Total Loans %	20.93	17.65	17.68	17.8	18.37
Gross Loans / Total Deposits %	63.45	72.36	73.15	75.41	76.41
Net Loans / Total Deposits %	61.17	70.09	70.94	73.31	74.31
Tier 1 Capital Ratio %	10.46	9.95	10.09	10.42	11.24
Total Capital Ratio %	12.86	12.16	13.16	13.38	14.21
Core Tier 1 Capital Ratio	9.34	8.95	9.14	9.53	10.35
Tier 2 Capital Ratio	2.39	2.21	3.07	2.96	2.97
Coverage Ratio	218.79	198.44	205.48	202.63	159.49
Interbank Ratio	34.74	34	40.77	39.31	43.11
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.47	1.45	1.44	1.43	1.46
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	14.58	11.11	-6.03	-7.46	-7.62
Non Interest Income, 1 Yr. Growth %	-20.61	10.22	-6.12	0.49	33.13
Provision For Loan Losses, 1 Yr. Growth %	6.56	9.26	-18.38	-29.84	8.86
Total Revenues, 1 Yr. Growth %	-0.61	11.76	0.75	5.76	3.61
Earnings From Cont. Operations, 1 Yr. Growth %	2.86	5.57	1.08	1.14	4.38
Net Income, 1 Yr. Growth %	2.89	5.54	1.08	1.19	4.5
Normalized Net Income, 1 Yr. Growth %	0.36	5.59	0.77	7.64	4.45
Diluted EPS Before Extra, 1 Yr. Growth %	3.05	-3.35	-0.1	1.86	4.59
Dividend Per Share, 1 Yr. Growth %	0	0	0	15	8.7
Gross Loans, 1 Yr. Growth %	12.92	11.15	6.66	5.29	2.54
Allowance For Loan Losses, 1 Yr. Growth %	12.82	9.03	2.93	-3.42	1.89
Net Loans, 1 Yr. Growth %	12.92	11.22	6.78	5.56	2.55
Non Performing Loans, 1 Yr. Growth %	19.09	14.13	6.53	1.91	-0.15
Non Performing Assets, 1 Yr. Growth %	19.8	13.6	7	1.76	-1.85
Total Assets, 1 Yr. Growth %	10.06	7.76	8.49	7.19	4.57
Total Deposits, 1 Yr Growth %	9.58	12.91	5.51	2.14	1.19
Tangible Book Value, 1 Yr. Growth %	8.77	8.54	8.49	8.76	7.16
Average Interest Earning Assets, 1 Yr. Growth %	12.28	15.75	6.4	5.98	6.4
Average Interest Bearing Liabilities, 1 Yr. Growth %	9.7	11.39	6.22	7.6	5.83
Common Equity, 1 Yr. Growth %	8.73	8.69	8.56	8.71	7.14
Total Equity, 1 Yr. Growth %	7.74	7.77	7.72	7.85	6.53
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	10.26	12.83	2.18	-6.75	-7.54
Non Interest Income, 2 Yr. CAGR %	1.28	-6.46	1.72	-2.86	17.84
Provision For Loan Losses, 2 Yr. CAGR %	9.17	7.9	-5.56	-24.33	-12.61
Total Revenues, 2 Yr. CAGR %	6.58	5.39	6.11	3.23	5.44
Earnings From Cont. Operations, 2 Yr. CAGR %	7.59	4.21	3.3	1.11	2.75
Net Income, 2 Yr. CAGR %	7.61	4.21	3.29	1.13	2.83
Normalized Net Income, 2 Yr. CAGR %	8.1	2.94	3.29	4.16	6.8
Diluted EPS Before Extra, 2 Yr. CAGR %	8.06	-0.2	-1.74	0.88	3.22
Dividend Per Share, 2 Yr. CAGR %	7.49	0	0	7.24	11.8
Gross Loans, 2 Yr. CAGR %	13.62	20.58	8.88	5.98	3.9
Allowance For Loan Losses, 2 Yr. CAGR %	10.49	12.53	5.94	-0.3	-0.8
Net Loans, 2 Yr. CAGR %	13.74	20.87	8.98	6.17	4.05
Non Performing Loans, 2 Yr. CAGR %	17.47	16.58	10.27	4.2	0.88
Non Performing Assets, 2 Yr. CAGR %	19.07	16.66	10.25	4.35	-0.06
Total Assets, 2 Yr. CAGR %	10.19	8.9	8.13	7.84	5.87
Total Deposits, 2 Yr CAGR %	10.72	11.23	9.15	3.81	1.66
Tangible Book Value, 2 Yr. CAGR %	9.79	8.65	8.51	8.63	7.96
Average Interest Earning Assets, 2 Yr. CAGR %	8.42	14	10.98	6.19	6.19
Average Interest Bearing Liabilities, 2 Yr. CAGR %	10.28	10.54	8.77	6.9	6.71
Common Equity, 2 Yr. CAGR %	9.82	8.71	8.62	8.64	7.93
Total Equity, 2 Yr. CAGR %	8.64	7.75	7.74	7.78	7.19
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	23.94	10.54	6.16	-1.14	-7.04
Non Interest Income, 3 Yr. CAGR %	0.68	4.17	-6.35	1.32	9.25
Provision For Loan Losses, 3 Yr. CAGR %	28.21	9.2	-1.69	-14.47	-14.58
Total Revenues, 3 Yr. CAGR %	9.86	8.28	3.82	5.99	3.85
Earnings From Cont. Operations, 3 Yr. CAGR %	10.89	6.91	3.15	2.57	2.19
Net Income, 3 Yr. CAGR %	10.86	6.92	3.16	2.58	2.24
Normalized Net Income, 3 Yr. CAGR %	11.65	7.26	2.31	4.73	4.75
Diluted EPS Before Extra, 3 Yr. CAGR %	9.06	4.12	-0.17	-0.55	2.1
Dividend Per Share, 3 Yr. CAGR %	13.34	4.93	0	4.77	7.72
Gross Loans, 3 Yr. CAGR %	18.26	18.46	15.75	7.67	4.82
Allowance For Loan Losses, 3 Yr. CAGR %	23.75	11.07	9.23	2.72	0.43
Net Loans, 3 Yr. CAGR %	18.07	18.73	15.98	7.83	4.95
Non Performing Loans, 3 Yr. CAGR %	20.58	16.35	13.13	7.41	2.73
Non Performing Assets, 3 Yr. CAGR %	22.11	17.22	13.35	7.35	2.24
Total Assets, 3 Yr. CAGR %	10.85	9.37	8.77	7.81	6.74
Total Deposits, 3 Yr CAGR %	11.38	11.44	9.29	6.76	2.93
Tangible Book Value, 3 Yr. CAGR %	10.28	9.37	8.6	8.6	8.14
Average Interest Earning Assets, 3 Yr. CAGR %	9.36	10.81	11.41	9.29	6.26
Average Interest Bearing Liabilities, 3 Yr. CAGR %	9.39	10.65	9.08	8.38	6.54
Common Equity, 3 Yr. CAGR %	10.3	9.44	8.66	8.65	8.14
Total Equity, 3 Yr. CAGR %	9	8.35	7.74	7.78	7.36
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	6.41	9.24	14.73	3.27	0.45
Non Interest Income, 5 Yr. CAGR %	17.12	13.34	1.09	1.3	2.67
Provision For Loan Losses, 5 Yr. CAGR %	18.46	15.83	13.45	-5.7	-6.21
Total Revenues, 5 Yr. CAGR %	5.05	7.83	8.34	6.23	4.47
Earnings From Cont. Operations, 5 Yr. CAGR %	9.9	9.04	7.79	4.55	2.99
Net Income, 5 Yr. CAGR %	9.94	9.03	7.77	4.57	3.03
Normalized Net Income, 5 Yr. CAGR %	6.96	7.68	8.23	6.06	4.08
Diluted EPS Before Extra, 5 Yr. CAGR %	6	4.16	4.6	2.81	1.17
Dividend Per Share, 5 Yr. CAGR %	-	13.61	7.81	5.85	4.56
Gross Loans, 5 Yr. CAGR %	15.4	20.61	17.83	13.3	10.86
Allowance For Loan Losses, 5 Yr. CAGR %	21.12	21.69	16.97	6.38	5.1
Net Loans, 5 Yr. CAGR %	15.22	20.58	17.86	13.54	11.05
Non Performing Loans, 5 Yr. CAGR %	16.04	18.67	16.34	11.32	8.06
Non Performing Assets, 5 Yr. CAGR %	16.82	19.34	17.22	11.89	7.78
Total Assets, 5 Yr. CAGR %	11.18	8.61	9.75	8.76	7.6
Total Deposits, 5 Yr CAGR %	9.01	11.55	10.48	8.33	6.17
Tangible Book Value, 5 Yr. CAGR %	13.07	9.84	9.57	9.07	8.34
Average Interest Earning Assets, 5 Yr. CAGR %	8.71	9.07	10	8.94	9.29
Average Interest Bearing Liabilities, 5 Yr. CAGR %	11.56	9.36	9.14	9.14	8.13
Common Equity, 5 Yr. CAGR %	13.03	9.86	9.62	9.12	8.36
Total Equity, 5 Yr. CAGR %	15.51	12.1	8.49	8.12	7.52