Zhongyuan Bank Balance Sheet

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
Cash & Equivalents	58,608	39,837	44,918	60,707	60,098
Investment Securities	484,840	371,271	362,159	359,660	214,766
Trading Asset Securities	55,585	84,958	61,174	35,616	22,068
Total Investments	540,426	456,230	423,333	395,276	236,834
Gross Loans	-	787,833	776,107	747,256	423,757
Allowance for Loan Losses	-	-24,585	-24,303	-23,250	-14,254
Other Adjustments to Gross Loans	-	-2,392	-824.95	-287.85	-11.25
Net Loans	-	760,856	750,979	723,718	409,491
Property, Plant & Equipment	8,364	8,603	8,490	9,131	4,939
Goodwill	1,982	1,982	1,982	1,982	970.78
Other Intangible Assets	-	1,945	2,089	2,132	1,575
Loans Held for Sale	783,909	-	-	-	-
Investments in Real Estate	-	20.49	23.11	26.3	2.05
Accrued Interest Receivable	-	7,891	6,416	6,401	4,469
Other Receivables	-	704.89	833.6	1,031	1,709
Restricted Cash	-	43,576	42,024	42,494	27,410
Other Current Assets	-	30,712	52,956	620.01	-
Long-Term Deferred Tax Assets	13,748	11,248	10,797	10,206	5,773
Other Real Estate Owned & Foreclosed	-	1,314	1,325	1,347	1,173
Other Long-Term Assets	7,257	-	-	71,336	13,418
Total Assets	1,414,293	1,365,197	1,346,446	1,326,736	768,233
Accrued Expenses	-	4,022	3,226	4,065	2,592
Interest Bearing Deposits	1,059,365	941,809	876,070	857,312	475,698
Total Deposits	1,059,365	941,809	876,070	857,312	475,698
Short-Term Borrowings	84,039	207,759	262,285	263,690	164,313
Current Portion of Long-Term Debt	-	65,551	68,335	55,845	33,017
Current Portion of Leases	-	211.25	431.62	316.21	259.81
Current Income Taxes Payable	252.19	156.07	130.3	81.08	858.64
Accrued Interest Payable	-	22,650	22,418	18,061	7,395
Other Current Liabilities	-	175.11	187.02	184.62	295.52
Long-Term Debt	157,403	13,424	7,365	22,361	14,443
Long-Term Leases	-	266.18	299.69	640.04	467.42
Pension & Post-Retirement Benefits	-	536.02	492.19	488.94	234.63
Other Long-Term Liabilities	13,908	8,254	8,318	10,058	6,281
Total Liabilities	1,314,968	1,264,814	1,249,558	1,233,102	705,854
Preferred Stock, Convertible	-	-	-	9,688	9,688
Preferred Stock, Other	-	-	-	-55	-55
Total Preferred Equity	-	-	-	9,633	9,633
Common Stock	36,550	36,550	36,550	36,550	20,075
Additional Paid-In Capital	-	19,182	19,182	19,505	14,477
Retained Earnings	4,922	24,881	22,087	19,681	16,840
Comprehensive Income & Other	54,764	15,945	14,686	3,859	184.4
Total Common Equity	96,237	96,558	92,505	79,595	51,577
Minority Interest	3,089	3,826	4,384	4,406	1,169
Shareholders' Equity	99,325	100,383	96,888	93,635	62,380
Total Liabilities & Equity	1,414,293	1,365,197	1,346,446	1,326,736	768,233
Total Debt	241,442	287,212	338,717	342,851	212,500
Net Cash (Debt)	80.99	-90,591	-143,949	-154,998	-97,370
Net Cash Per Share	0.00	-2.48	-3.94	-5.22	-4.85
Filing Date Shares Outstanding	53,165	36,550	36,550	36,550	20,075
Total Common Shares Outstanding	53,165	36,550	36,550	36,550	20,075
Book Value Per Share	1.81	2.26	2.15	2.18	2.57
Tangible Book Value	94,255	92,630	88,434	75,481	49,032
Tangible Book Value Per Share	1.77	2.15	2.04	2.07	2.44

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