Bank of Zhengzhou Income Statement

Financials in millions CNY. Fiscal year is January - December.

Millions CNY. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	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
Interest Income on Loans	23,706	23,356	24,760	25,057	25,565	23,893
Interest Paid on Deposits	12,911	12,991	13,020	12,803	13,616	12,654
Net Interest Income	10,795	10,365	11,740	12,254	11,949	11,239
Net Interest Income Growth (YoY)	6.80%	-11.71%	-4.20%	2.55%	6.31%	24.62%
Income From Trading Activities	829.58	1,054	781.75	1,459	687.87	-
Gain (Loss) on Sale of Assets	-0	-0	10.3	0.13	-1.12	-
Gain (Loss) on Sale of Investments	1,118	912.72	493.88	575.05	870.28	1,782
Other Non-Interest Income	493.24	558.53	673.87	938.3	1,305	1,585
Total Non-Interest Income	2,440	2,526	1,960	2,972	2,862	3,367
Non-Interest Income Growth (YoY)	11.52%	28.88%	-34.06%	3.84%	-15.01%	-24.64%
Revenues Before Loan Losses	13,236	12,890	13,699	15,226	14,811	14,607
Provision for Loan Losses	7,496	7,183	8,075	8,660	7,263	7,184
Revenue	5,739	5,707	5,624	6,566	7,548	7,422
Revenue Growth (YoY)	15.46%	1.47%	-14.34%	-13.01%	1.70%	-3.49%
Salaries and Employee Benefits	-	-	-	-	2,106	2,025
Occupancy Expenses	-	-	-	-	564.2	538.65
Selling, General & Administrative	-	-	-	-	729.87	694.28
Other Non-Interest Expense	3,872	3,919	3,867	3,657	166.14	146.88
Total Non-Interest Expense	3,871	3,920	3,884	3,759	3,560	3,410
EBT Excluding Unusual Items	1,868	1,786	1,740	2,807	3,988	4,012
Pretax Income	1,868	1,786	1,740	2,807	3,988	4,012
Income Tax Expense	-6.6	-77.04	-119.84	207.28	590.18	691.6
Earnings From Continuing Operations	1,875	1,863	1,859	2,600	3,398	3,321
Minority Interest in Earnings	36.15	12.29	-9.36	-177.64	-171.76	-153.3
Net Income	1,911	1,876	1,850	2,422	3,226	3,168
Preferred Dividends & Other Adjustments	480	480	480	997.49	470.21	493.44
Net Income to Common	1,431	1,396	1,370	1,425	2,756	2,674
Net Income Growth	42.21%	1.39%	-23.62%	-24.92%	1.85%	-3.58%
Basic Shares Outstanding	9,197	9,092	9,092	9,092	10,001	9,659
Diluted Shares Outstanding	9,197	9,092	9,092	9,092	10,001	9,659
Shares Change (YoY)	2.78%	-	-	-9.09%	3.54%	1.28%
EPS (Basic)	0.16	0.15	0.15	0.16	0.28	0.28
EPS (Diluted)	0.15	0.15	0.15	0.16	0.27	0.28
EPS Growth	58.74%	-	-4.28%	-42.53%	-1.50%	-4.76%
Dividend Per Share	0.020	0.020	-	-	-	-
Effective Tax Rate	-	-	-	7.38%	14.80%	17.24%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.