Zhongyuan Bank Ratios and Metrics

Market cap in millions HKD. Fiscal year is January - December.

Millions HKD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 19, 2026	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
Market Capitalization	12,061	10,965	12,244	23,026	16,863	20,677
Market Cap Growth	6.45%	-10.45%	-46.83%	36.55%	-18.45%	-16.93%
Last Close Price	0.33	0.29	0.32	0.61	0.81	1.00
PE Ratio	3.96	3.69	4.62	7.17	4.58	6.38
PS Ratio	0.87	0.79	0.82	1.41	1.18	1.50
PB Ratio	0.11	0.10	0.12	0.22	0.22	0.29
P/FCF Ratio	-	-	-	0.80	-	-
P/OCF Ratio	-	-	-	0.77	-	-
Debt / Equity Ratio	2.81	2.86	3.50	3.66	3.41	3.34
Debt / FCF Ratio	-	-	-	13.45	-	-
Net Debt / Equity Ratio	0.68	0.90	1.49	1.66	1.56	1.48
Net Debt / FCF Ratio	-0.79	-1.09	-12.68	6.08	-3.36	-2.08
Return on Equity (ROE)	3.49%	3.52%	3.37%	4.90%	5.97%	5.73%
Return on Assets (ROA)	0.25%	0.26%	0.24%	0.36%	0.48%	0.46%
Earnings Yield	25.24%	33.44%	28.98%	17.92%	25.95%	18.96%
FCF Yield	-789.16%	-805.12%	-102.14%	125.16%	-210.81%	-242.51%
Dividend Yield	41.14%	44.05%	-	-	-	-
Payout Ratio	23.87%	19.91%	25.79%	25.67%	18.82%	45.75%
Buyback Yield / Dilution	-	-	-23.12%	-47.87%	-	-
Total Shareholder Return	41.14%	44.05%	-23.12%	-47.87%	-	-

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