Bank of Zhengzhou 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	23,705	23,356	24,760	25,057	25,565
Interest Paid on Deposits	12,841	12,991	13,020	12,803	13,616
Net Interest Income	10,864	10,365	11,740	12,254	11,949
Net Interest Income Growth (YoY)	4.82%	-11.71%	-4.20%	2.55%	6.31%
Income From Trading Activities	368.25	1,054	781.75	1,459	687.87
Gain (Loss) on Sale of Assets	80.11	-0	10.3	0.13	-1.12
Gain (Loss) on Sale of Investments	1,131	912.72	493.88	575.05	870.28
Other Non-Interest Income	498.23	558.53	673.87	938.3	1,305
Total Non-Interest Income	2,077	2,526	1,960	2,972	2,862
Non-Interest Income Growth (YoY)	-17.76%	28.88%	-34.06%	3.84%	-15.01%
Revenues Before Loan Losses	12,941	12,890	13,699	15,226	14,811
Provision for Loan Losses	7,282	7,183	8,075	8,660	7,263
Revenue	5,659	5,707	5,624	6,566	7,548
Revenue Growth (YoY)	-0.83%	1.47%	-14.34%	-13.01%	1.70%
Salaries and Employee Benefits	-	-	-	-	2,106
Occupancy Expenses	-	-	-	-	564.2
Selling, General & Administrative	-	-	-	-	729.87
Other Non-Interest Expense	3,772	3,919	3,867	3,657	166.14
Total Non-Interest Expense	3,759	3,920	3,884	3,759	3,560
EBT Excluding Unusual Items	1,900	1,786	1,740	2,807	3,988
Pretax Income	1,900	1,786	1,740	2,807	3,988
Income Tax Expense	-8.84	-77.04	-119.84	207.28	590.18
Earnings From Continuing Operations	1,909	1,863	1,859	2,600	3,398
Minority Interest in Earnings	-13.89	12.29	-9.36	-177.64	-171.76
Net Income	1,895	1,876	1,850	2,422	3,226
Preferred Dividends & Other Adjustments	480	480	480	997.49	470.21
Net Income to Common	1,415	1,396	1,370	1,425	2,756
Net Income Growth	1.03%	1.39%	-23.62%	-24.92%	1.85%
Basic Shares Outstanding	9,092	9,092	9,092	9,092	10,001
Diluted Shares Outstanding	9,092	9,092	9,092	9,092	10,001
Shares Change (YoY)	-	-	-	-9.09%	3.54%
EPS (Basic)	0.16	0.15	0.15	0.16	0.28
EPS (Diluted)	0.16	0.15	0.15	0.16	0.27
EPS Growth	3.75%	-	-4.28%	-42.53%	-1.50%
Dividend Per Share	-	0.020	-	-	-
Effective Tax Rate	-	-	-	7.38%	14.80%

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