Zhongyuan Bank Income Statement

Financials in millions CNY. Fiscal year is January - December.

Millions CNY. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	46,543	48,036	50,705	43,614	31,868	30,946
Interest Paid on Deposits	24,654	26,493	28,442	22,338	15,175	14,381
Net Interest Income	21,889	21,543	22,263	21,276	16,693	16,565
Net Interest Income Growth (YoY)	-0.84%	-3.23%	4.64%	27.46%	0.77%	5.46%
Income From Trading Activities	41.49	191.83	312.15	957.66	132.05	-184.49
Gain (Loss) on Sale of Assets	49.86	73.39	35.78	-84.4	-2.25	49.6
Gain (Loss) on Sale of Investments	1,991	2,504	1,892	1,449	468.01	1,135
Other Non-Interest Income	1,555	1,643	1,680	2,012	1,992	1,863
Total Non-Interest Income	3,636	4,413	3,920	4,335	2,590	2,863
Non-Interest Income Growth (YoY)	-20.08%	12.55%	-9.56%	67.38%	-9.53%	-13.62%
Revenues Before Loan Losses	25,526	25,955	26,183	25,611	19,283	19,428
Provision for Loan Losses	12,860	12,886	12,560	11,190	7,640	7,849
Revenue	12,665	13,070	13,624	14,422	11,643	11,579
Revenue Growth (YoY)	-2.43%	-4.07%	-5.53%	23.87%	0.55%	-2.48%
Salaries and Employee Benefits	6,358	6,469	6,218	6,300	4,258	3,889
Occupancy Expenses	1,425	1,587	1,783	1,476	1,011	1,085
Selling, General & Administrative	2,027	1,991	2,457	2,167	1,623	1,885
Other Non-Interest Expense	312.31	402.44	403.4	335.17	252.43	260.34
Total Non-Interest Expense	9,983	10,319	10,667	10,114	7,044	7,130
EBT Excluding Unusual Items	2,682	2,750	2,957	4,308	4,598	4,449
Pretax Income	2,682	2,750	2,957	4,308	4,598	4,449
Income Tax Expense	-798.35	-719.26	-249.24	482.62	965.12	1,094
Earnings From Continuing Operations	3,480	3,470	3,206	3,825	3,633	3,355
Minority Interest in Earnings	-50.32	-23.82	14.64	-174.95	-68.24	-53.91
Net Income	3,430	3,446	3,221	3,650	3,565	3,301
Preferred Dividends & Other Adjustments	652	652	815.36	809.17	563.01	573.49
Net Income to Common	2,778	2,794	2,406	2,841	3,002	2,727
Net Income Growth	4.94%	6.98%	-11.76%	2.39%	8.00%	4.33%
Basic Shares Outstanding	36,550	36,550	36,550	29,685	20,075	20,075
Diluted Shares Outstanding	36,550	36,550	36,550	29,685	20,075	20,075
Shares Change (YoY)	-	-	23.12%	47.87%	-	-
EPS (Basic)	0.08	0.08	0.07	0.10	0.15	0.14
EPS (Diluted)	0.08	0.08	0.07	0.10	0.15	0.14
EPS Growth	13.25%	16.14%	-31.23%	-36.00%	10.07%	7.00%
Dividend Per Share	0.120	0.120	-	-	-	-
Effective Tax Rate	-	-	-	11.20%	20.99%	24.59%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.