China Zheshang Bank Balance Sheet

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
Cash & Equivalents	123,476	66,724	96,008	91,953	69,590	55,057
Investment Securities	938,403	910,752	858,059	593,347	504,996	457,489
Trading Asset Securities	288,402	270,565	255,094	203,199	193,461	152,703
Total Investments	1,226,805	1,181,317	1,113,153	796,546	698,457	610,192
Gross Loans	1,856,263	1,912,583	1,766,438	1,568,053	1,383,551	1,225,616
Allowance for Loan Losses	-	-46,560	-44,862	-40,245	-36,727	-33,043
Other Adjustments to Gross Loans	-	-1,223	-655	-270	-273	-346
Net Loans	1,856,263	1,864,800	1,720,921	1,527,538	1,346,551	1,192,227
Property, Plant & Equipment	39,653	34,373	28,016	21,732	17,608	18,300
Other Intangible Assets	889	2,391	2,299	2,295	2,213	294
Accrued Interest Receivable	-	13,207	12,407	8,481	6,089	5,557
Other Receivables	-	709	662	678	740	938
Restricted Cash	-	113,518	129,287	130,080	112,958	124,496
Other Current Assets	43,839	21,035	12,380	15,498	6,677	20,409
Long-Term Deferred Tax Assets	20,323	20,482	21,184	20,901	18,077	14,620
Other Real Estate Owned & Foreclosed	-	604	1,105	808	900	731
Other Long-Term Assets	77,764	4,944	5,443	4,652	6,129	5,404
Total Assets	3,389,012	3,325,539	3,143,879	2,621,930	2,286,723	2,048,225
Accounts Payable	-	-	-	-	-	1,050
Accrued Expenses	4,642	7,227	7,016	5,979	7,516	5,433
Interest Bearing Deposits	2,363,944	2,253,143	2,196,732	1,899,927	1,633,756	1,467,005
Total Deposits	2,363,944	2,253,143	2,196,732	1,899,927	1,633,756	1,467,005
Short-Term Borrowings	52,038	74,741	83,140	20,528	13,162	24,378
Current Portion of Long-Term Debt	65,608	119,221	134,969	123,351	55,990	30,000
Current Portion of Leases	-	837	766	772	607	613
Current Income Taxes Payable	1,252	187	1,878	3,834	3,293	4,103
Accrued Interest Payable	-	36,086	30,581	23,330	18,925	16,904
Other Current Liabilities	22,733	22,339	15,006	2,087	17,769	9,492
Long-Term Debt	655,689	592,605	468,565	361,007	354,929	339,993
Long-Term Leases	2,751	2,294	2,491	2,546	2,319	2,368
Long-Term Unearned Revenue	-	728	665	748	654	582
Other Long-Term Liabilities	13,621	13,388	12,493	11,891	10,920	13,761
Total Liabilities	3,182,278	3,122,796	2,954,302	2,456,000	2,119,840	1,915,682
Preferred Stock, Convertible	-	-	-	-	14,958	14,958
Total Preferred Equity	-	-	-	-	14,958	14,958
Common Stock	27,464	27,464	27,464	21,269	21,269	21,269
Additional Paid-In Capital	-	38,570	38,570	32,289	32,018	32,018
Retained Earnings	108,911	101,527	91,808	82,189	70,372	62,006
Comprehensive Income & Other	66,032	31,342	28,403	27,186	25,552	261
Total Common Equity	202,407	198,903	186,245	162,933	149,211	115,554
Minority Interest	4,327	3,840	3,332	2,997	2,714	2,031
Shareholders' Equity	206,734	202,743	189,577	165,930	166,883	132,543
Total Liabilities & Equity	3,389,012	3,325,539	3,143,879	2,621,930	2,286,723	2,048,225
Total Debt	776,086	789,698	689,931	508,204	427,007	397,352
Net Cash (Debt)	-222,829	-297,925	-206,608	-146,546	-129,895	-129,459
Net Cash Per Share	-8.04	-10.85	-8.31	-6.53	-6.11	-6.09
Filing Date Shares Outstanding	27,465	27,465	27,465	21,269	21,269	21,269
Total Common Shares Outstanding	27,465	27,465	27,465	21,269	21,269	21,269
Book Value Per Share	6.46	6.33	5.87	6.49	5.84	5.43
Tangible Book Value	201,518	196,512	183,946	160,638	146,998	115,260
Tangible Book Value Per Share	6.43	6.25	5.79	6.38	5.74	5.42

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