Zhongyuan Bank Cash Flow 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
Net Income	3,589	3,446	3,221	3,650	3,565
Depreciation & Amortization	1,366	1,214	1,379	1,242	845.4
Other Amortization	-	308.38	325.13	188.16	134.91
Gain (Loss) on Sale of Assets	-31.02	-97.09	-55.55	169.63	518.74
Gain (Loss) on Sale of Investments	-2,208	4,663	4,054	1,546	964.75
Total Asset Writedown	13,715	975.51	1,907	1,090	519.11
Provision for Credit Losses	-	4,819	4,340	7,962	4,849
Change in Trading Asset Securities	13,757	-22,939	-2,744	4,806	3,239
Change in Other Net Operating Assets	-31,011	-75,349	-25,772	5,751	-45,307
Other Operating Activities	683.81	1,706	3,031	226.58	2,431
Operating Cash Flow	-131.42	-81,383	-10,509	26,468	-28,339
Capital Expenditures	-1,236	-1,574	-843.12	-974.67	-622.57
Sale of Property, Plant and Equipment	34.69	382.43	94.17	54.02	31.32
Cash Acquisitions	-	-	-	25,466	-
Investment in Securities	-15,460	-31,695	-14,308	-49,051	19,794
Income (Loss) Equity Investments	7.97	-130.38	-195.24	-164.08	-99.27
Investing Cash Flow	-16,661	-32,886	-15,057	-24,505	19,203
Long-Term Debt Issued	175,139	276,661	262,090	242,228	162,834
Total Debt Issued	175,139	276,661	262,090	242,228	162,834
Long-Term Debt Repaid	-231,288	-262,436	-265,473	-220,638	-143,397
Total Debt Repaid	-231,288	-262,436	-265,473	-220,638	-143,397
Net Debt Issued (Repaid)	-56,149	14,225	-3,383	21,590	19,437
Issuance of Common Stock	-	-	-	4,846	-
Preferred Share Repurchases	-	-	-9,956	-	-
Common Dividends Paid	-995.35	-686.17	-830.53	-	-
Total Dividends Paid	-995.35	-686.17	-830.53	-936.95	-670.84
Net Increase (Decrease) in Deposit Accounts	94,934	65,739	18,757	28,675	-8,370
Other Financing Activities	-2,108	-2,626	-3,939	-3,317	-1,338
Financing Cash Flow	35,682	76,651	648.48	50,857	9,059
Foreign Exchange Rate Adjustments	-50.36	54.31	218.03	1,181	-182.71
Net Cash Flow	18,839	-37,563	-24,699	54,001	-259.51
Free Cash Flow	-1,368	-82,957	-11,352	25,494	-28,961
Free Cash Flow Margin	-10.69%	-634.73%	-83.33%	176.77%	-248.75%
Free Cash Flow Per Share	-0.03	-2.27	-0.31	0.86	-1.44
Cash Interest Paid	-	26,334	23,993	19,870	13,257
Cash Income Tax Paid	-	321.48	249.77	1,169	1,760

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