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	43,915	39,837	44,918	60,707	60,098
Investment Securities	450,074	401,967	362,159	359,660	214,766
Trading Asset Securities	55,585	84,958	61,174	35,616	22,068
Total Investments	505,660	486,925	423,333	395,276	236,834
Gross Loans	806,432	787,833	776,107	747,256	423,757
Allowance for Loan Losses	-27,828	-24,585	-24,303	-23,250	-14,254
Other Adjustments to Gross Loans	-1,387	-2,392	-824.95	-287.85	-11.25
Net Loans	777,217	760,856	750,979	723,718	409,491
Property, Plant & Equipment	8,844	8,603	8,490	9,131	4,939
Goodwill	1,982	1,982	1,982	1,982	970.78
Other Intangible Assets	1,867	1,945	2,089	2,132	1,575
Investments in Real Estate	17.57	20.49	23.11	26.3	2.05
Accrued Interest Receivable	9,641	7,891	6,416	6,401	4,469
Other Receivables	1,773	704.89	833.6	1,031	1,709
Restricted Cash	48,361	43,576	42,024	42,494	27,410
Other Current Assets	11.77	16.73	52,956	620.01	-
Long-Term Deferred Tax Assets	13,748	11,248	10,797	10,206	5,773
Other Real Estate Owned & Foreclosed	1,031	1,314	1,325	1,347	1,173
Other Long-Term Assets	-	-	-	71,336	13,418
Total Assets	1,414,293	1,365,197	1,346,446	1,326,736	768,233
Accrued Expenses	4,674	4,022	3,226	4,065	2,592
Interest Bearing Deposits	1,036,743	941,809	876,070	857,312	475,698
Total Deposits	1,036,743	941,809	876,070	857,312	475,698
Short-Term Borrowings	163,574	207,759	262,285	263,690	164,313
Current Portion of Long-Term Debt	64,430	65,551	68,335	55,845	33,017
Current Portion of Leases	44.41	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	22,622	22,650	22,418	18,061	7,395
Other Current Liabilities	316.15	175.11	187.02	184.62	295.52
Long-Term Debt	13,438	13,424	7,365	22,361	14,443
Long-Term Leases	433.89	266.18	299.69	640.04	467.42
Pension & Post-Retirement Benefits	538.49	536.02	492.19	488.94	234.63
Other Long-Term Liabilities	7,901	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	19,182	19,505	14,477
Retained Earnings	27,379	24,881	22,087	19,681	16,840
Comprehensive Income & Other	13,126	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	241,921	287,212	338,717	342,851	212,500
Net Cash (Debt)	-48,782	-90,591	-143,949	-154,998	-97,370
Net Cash Per Share	-1.33	-2.48	-3.94	-5.22	-4.85
Filing Date Shares Outstanding	36,550	36,550	36,550	36,550	20,075
Total Common Shares Outstanding	36,550	36,550	36,550	36,550	20,075
Book Value Per Share	2.28	2.26	2.15	2.18	2.57
Tangible Book Value	92,387	92,630	88,434	75,481	49,032
Tangible Book Value Per Share	2.17	2.15	2.04	2.07	2.44

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.