Zhongyuan Bank Income Statement

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

Millions CNY. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	45,386	48,036	50,705	43,614	31,868
Interest Paid on Deposits	22,867	26,493	28,442	22,338	15,175
Net Interest Income	22,519	21,543	22,263	21,276	16,693
Net Interest Income Growth (YoY)	4.53%	-3.23%	4.64%	27.46%	0.77%
Income From Trading Activities	100.52	191.83	312.15	957.66	132.05
Gain (Loss) on Sale of Assets	31.02	73.39	35.78	-84.4	-2.25
Gain (Loss) on Sale of Investments	2,155	2,504	1,892	1,449	468.01
Other Non-Interest Income	1,701	1,643	1,680	2,012	1,992
Total Non-Interest Income	3,988	4,413	3,920	4,335	2,590
Non-Interest Income Growth (YoY)	-9.62%	12.55%	-9.56%	67.38%	-9.53%
Revenues Before Loan Losses	26,507	25,955	26,183	25,611	19,283
Provision for Loan Losses	13,715	12,886	12,560	11,190	7,640
Revenue	12,792	13,070	13,624	14,422	11,643
Revenue Growth (YoY)	-2.13%	-4.07%	-5.53%	23.87%	0.55%
Salaries and Employee Benefits	6,633	6,469	6,218	6,300	4,258
Occupancy Expenses	1,455	1,587	1,783	1,476	1,011
Selling, General & Administrative	2,062	1,991	2,457	2,167	1,623
Other Non-Interest Expense	350.5	402.44	403.4	335.17	252.43
Total Non-Interest Expense	10,509	10,319	10,667	10,114	7,044
EBT Excluding Unusual Items	2,283	2,750	2,957	4,308	4,598
Pretax Income	2,283	2,750	2,957	4,308	4,598
Income Tax Expense	-1,293	-719.26	-249.24	482.62	965.12
Earnings From Continuing Operations	3,576	3,470	3,206	3,825	3,633
Minority Interest in Earnings	12.41	-23.82	14.64	-174.95	-68.24
Net Income	3,589	3,446	3,221	3,650	3,565
Preferred Dividends & Other Adjustments	652	652	815.36	809.17	563.01
Net Income to Common	2,937	2,794	2,406	2,841	3,002
Net Income Growth	4.14%	6.98%	-11.76%	2.39%	8.00%
Basic Shares Outstanding	36,550	36,550	36,550	29,685	20,075
Diluted Shares Outstanding	36,550	36,550	36,550	29,685	20,075
Shares Change (YoY)	-	-	23.12%	47.87%	-
EPS (Basic)	0.08	0.08	0.07	0.10	0.15
EPS (Diluted)	0.08	0.08	0.07	0.10	0.15
EPS Growth	5.11%	16.14%	-31.23%	-36.00%	10.07%
Dividend Per Share	-	0.012	-	-	-
Effective Tax Rate	-	-	-	11.20%	20.99%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.