Zhongyuan Bank Balance Sheet

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
Cash & Equivalents	41,644	39,837	44,918	60,707	60,098	56,338
Investment Securities	421,466	371,271	362,159	359,660	214,766	225,592
Trading Asset Securities	73,642	84,958	61,174	35,616	22,068	19,661
Total Investments	495,108	456,230	423,333	395,276	236,834	245,254
Gross Loans	793,678	787,833	776,107	747,256	423,757	389,235
Allowance for Loan Losses	-26,569	-24,585	-24,303	-23,250	-14,254	-13,103
Other Adjustments to Gross Loans	-1,989	-2,392	-824.95	-287.85	-11.25	-19.65
Net Loans	765,120	760,856	750,979	723,718	409,491	376,112
Property, Plant & Equipment	8,683	8,603	8,490	9,131	4,939	5,078
Goodwill	1,982	1,982	1,982	1,982	970.78	970.78
Other Intangible Assets	1,868	1,945	2,089	2,132	1,575	1,585
Investments in Real Estate	18.81	20.49	23.11	26.3	2.05	2.8
Accrued Interest Receivable	8,853	7,891	6,416	6,401	4,469	3,909
Other Receivables	1,991	704.89	833.6	1,031	1,709	2,307
Restricted Cash	47,320	43,576	42,024	42,494	27,410	29,051
Other Current Assets	10.29	30,712	52,956	620.01	-	2,041
Long-Term Deferred Tax Assets	12,808	11,248	10,797	10,206	5,773	4,833
Other Real Estate Owned & Foreclosed	1,178	1,314	1,325	1,347	1,173	1,516
Other Long-Term Assets	21,106	-	-	71,336	13,418	28,042
Total Assets	1,407,927	1,365,197	1,346,446	1,326,736	768,233	757,482
Accrued Expenses	2,955	4,022	3,226	4,065	2,592	2,753
Interest Bearing Deposits	990,736	941,809	876,070	857,312	475,698	484,068
Total Deposits	990,736	941,809	876,070	857,312	475,698	484,068
Short-Term Borrowings	201,512	207,759	262,285	263,690	164,313	153,050
Current Portion of Long-Term Debt	66,901	65,551	68,335	55,845	33,017	33,963
Current Portion of Leases	254.12	211.25	431.62	316.21	259.81	306
Current Income Taxes Payable	471.24	156.07	130.3	81.08	858.64	785.82
Accrued Interest Payable	21,458	22,650	22,418	18,061	7,395	6,662
Other Current Liabilities	612.87	175.11	187.02	184.62	295.52	299.02
Long-Term Debt	14,686	13,424	7,365	22,361	14,443	10,482
Long-Term Leases	179.94	266.18	299.69	640.04	467.42	537.73
Pension & Post-Retirement Benefits	539.13	536.02	492.19	488.94	234.63	79.76
Other Long-Term Liabilities	6,844	8,254	8,318	10,058	6,281	5,142
Total Liabilities	1,307,148	1,264,814	1,249,558	1,233,102	705,854	698,127
Preferred Stock, Convertible	-	-	-	9,688	9,688	9,633
Preferred Stock, Other	-	-	-	-55	-55	-
Total Preferred Equity	-	-	-	9,633	9,633	9,633
Common Stock	36,550	36,550	36,550	36,550	20,075	20,075
Additional Paid-In Capital	19,182	19,182	19,182	19,505	14,477	14,477
Retained Earnings	26,332	24,881	22,087	19,681	16,840	13,838
Comprehensive Income & Other	14,816	15,945	14,686	3,859	184.4	237.8
Total Common Equity	96,879	96,558	92,505	79,595	51,577	48,629
Minority Interest	3,900	3,826	4,384	4,406	1,169	1,094
Shareholders' Equity	100,779	100,383	96,888	93,635	62,380	59,355
Total Liabilities & Equity	1,407,927	1,365,197	1,346,446	1,326,736	768,233	757,482
Total Debt	283,533	287,212	338,717	342,851	212,500	198,338
Net Cash (Debt)	-68,901	-90,591	-143,949	-154,998	-97,370	-87,814
Net Cash Per Share	-1.89	-2.48	-3.94	-5.22	-4.85	-4.37
Filing Date Shares Outstanding	36,550	36,550	36,550	36,550	20,075	20,075
Total Common Shares Outstanding	36,550	36,550	36,550	36,550	20,075	20,075
Book Value Per Share	2.27	2.26	2.15	2.18	2.57	2.42
Tangible Book Value	93,029	92,630	88,434	75,481	49,032	46,073
Tangible Book Value Per Share	2.16	2.15	2.04	2.07	2.44	2.30

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