China Zheshang Bank Income 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
Interest Income on Loans	101,633	110,697	110,253	101,983	92,757
Interest Paid on Deposits	57,174	65,540	62,725	54,921	50,805
Net Interest Income	44,459	45,157	47,528	47,062	41,952
Net Interest Income Growth (YoY)	-1.55%	-4.99%	0.99%	12.18%	13.09%
Income From Trading Activities	5,229	10,771	-	-	-
Gain (Loss) on Sale of Assets	-	-	11	3	-2
Gain (Loss) on Sale of Investments	6,952	5,852	-	1,895	830
Other Non-Interest Income	5,918	5,922	15,730	11,969	11,691
Total Non-Interest Income	18,099	22,545	15,741	13,867	12,519
Non-Interest Income Growth (YoY)	-19.72%	43.23%	13.51%	10.77%	17.26%
Revenues Before Loan Losses	62,558	67,702	63,269	60,929	54,471
Provision for Loan Losses	24,380	28,195	26,113	27,653	24,831
Revenue	38,178	39,507	37,156	33,276	29,640
Revenue Growth (YoY)	-3.36%	6.33%	11.66%	12.27%	7.37%
Salaries and Employee Benefits	13,048	13,737	-	-	-
Occupancy Expenses	2,055	2,022	-	-	-
Selling, General & Administrative	4,893	4,642	19,088	16,774	13,784
Other Non-Interest Expense	2,053	1,527	980	811	924
Total Non-Interest Expense	22,049	21,928	20,068	17,585	14,659
EBT Excluding Unusual Items	16,129	17,579	17,088	15,691	14,981
Other Unusual Items	-	-	404	140	-
Pretax Income	16,129	17,579	17,492	15,831	14,981
Income Tax Expense	2,568	1,886	1,999	1,842	2,065
Earnings From Continuing Operations	13,561	15,693	15,493	13,989	12,916
Minority Interest in Earnings	-630	-507	-445	-371	-268
Net Income	12,931	15,186	15,048	13,618	12,648
Preferred Dividends & Other Adjustments	963	963	963	1,801	858
Net Income to Common	11,968	14,223	14,085	11,817	11,790
Net Income Growth	-14.85%	0.92%	10.50%	7.67%	2.75%
Basic Shares Outstanding	27,464	27,464	24,857	22,455	21,269
Diluted Shares Outstanding	27,464	27,464	24,857	22,455	21,269
Shares Change (YoY)	-	10.49%	10.70%	5.58%	-
EPS (Basic)	0.44	0.52	0.57	0.53	0.55
EPS (Diluted)	0.44	0.52	0.57	0.53	0.55
EPS Growth	-15.86%	-8.61%	7.67%	-4.32%	3.77%
Dividend Per Share	0.131	0.156	0.164	0.210	-
Dividend Growth	-16.03%	-4.88%	-21.91%	-	-
Effective Tax Rate	15.92%	10.73%	11.43%	11.63%	13.78%

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