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Zhongyuan Bank Co., Ltd. Class H

Zhongyuan Bank Co., Ltd. Class H

HHKEX:1216
0.28
HKD
+0.00
(-1.79%)
11.51BMarket Cap
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
0.54
0.66
0.71
0.7
0.81
0.81
0.87
0.88
0.78
0.55
0.51
0.59
- -
Basic EPS, GAAP
0.16
0.18
0.2
0.21
0.12
0.13
0.14
0.15
0.1
0.07
0.08
0.08
- -
Free Cash Flow per Basic Share
0.17
2.3
3.47
0.95
0.87
2.08
-0.23
-1.86
1.82
0.2
-0.47
2.56
- -
Dividend per Share
0.05
- -
0.05
- -
0.06
0.08
0.08
0.03
0.03
0.02
0.02
0.03
- -
Book Value per Share
1.41
1.68
1.77
2.25
2.25
2.35
2.42
2.57
2.07
2.15
2.26
2.63
2.63
Tangible Book Value per Share
1.35
1.62
1.68
2.17
2.17
2.23
2.3
2.44
1.96
2.04
2.15
2.53
2.53
Basic Weighted Avg Shares
16,625
16,625
16,625
18,151
20,075
20,075
20,075
20,075
29,685
36,550
36,550
36,550
36,550
Sales/Revenue/Turnover
9,048
11,040
11,799
12,795
16,197
16,333
17,482
17,755
23,262
19,973
18,753
21,488
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
421
649
682
731
853
1,140
1,054
980
1,430
1,704
1,523
1,366
- -
Net Income, GAAP
2,676
2,991
3,359
3,839
2,415
3,164
3,301
3,565
3,650
3,221
3,446
3,589
- -
Effective Tax Rate (%)
25.3
25.49
23.99
22.33
20.48
26.48
24.59
20.99
11.2
- -
- -
- -
- -
Profit Margin (%)
29.58
27.1
28.47
30
14.91
19.37
18.88
20.08
15.69
16.13
18.38
16.7
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
2,979
57,388
74,129
93,278
80,694
76,898
97,571
146,115
132,722
147,356
93,129
93,129
Total Equity
28,011
33,418
35,499
46,091
55,678
57,831
59,355
62,380
93,635
96,888
100,383
99,325
99,325
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
9.22
5.19
3.54
1.83
2.17
2.36
2.36
1.74
- -
- -
- -
- -
Return on Common Equity (%)
- -
9.88
9.93
9.6
5.34
5.52
5.72
5.99
4.47
3.12
3.47
3.28
- -

Capital Structure

CNY

•

in mil. unless spec.
Dec'24
Jun'25
Dec'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
13,999
- -
- -
Shares Outstanding
36,550
36,550
36,550
Market Capitalization
10,303
12,675
10,345

Working Capital

CNY

•

in mil. unless spec.
Dec'24
Jun'25
Dec'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
130,893
153,415
146,873
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

CNY

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
12.46%
12.25%
-1.05%
Free Cash Flow
-58.21%
-118.27%
-643.42%
Net Income, GAAP
3.46%
1.95%
4.14%
Sales/Revenue/Turnover
7.67%
5.38%
14.59%
Total Cash Common Dividend
377.9%
174.4%
904.94%

Semi-annual Revenue

CNY

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
19,973
2024
- -
- -
18,753
2025
- -
- -
21,488

Semi-annual Earnings Per Share

CNY

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
0.07
2024
- -
- -
0.08
2025
- -
- -
0.08

Semi-annual Dividends Per Share

CNY

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
0.02
2024
- -
- -
0.02
2025
- -
- -
0.03

Company Description

Company Profile APIChatGPT
CEO
Hao Guo
Full Time Employees
18,094
Sector
Finance
Industry
Regional banks
Address
Zhongke Golden Tower Zhengzhou HN China 450046
IPO Date
Jul 19, 2017
Website
zybank.com.cn
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Business
Zhongyuan Bank Co., Ltd. Zhongyuan Bank Co., Ltd. (1216.HK) operates as a regional commercial bank in China, providing a comprehensive range of banking products and services through its corporate banking, retail banking, financial markets business, and other segments; corporate banking offers loans and advances, trade financing, deposit taking, agency services, consulting and advisory, remittance and settlement, and guarantee services to corporations, government agencies, and financial institutions; retail banking delivers personal loans, deposits, bank cards, wealth management, and remittance services to individual customers; financial markets business includes interbank money market transactions, repurchase agreements, investments, liquidity management, debt issuance, and trading in debt securities. Founded on December 23, 2014 and headquartered at Zhongke Golden Tower in Zhengdong New District, Zhengzhou, Henan Province, the bank primarily serves the Henan region with over 18,000 employees and extends select operations internationally in the Asia Pacific and North America. Zhongyuan Bank targets small and medium-sized enterprises, local governments, retail clients, and institutional counterparts with internet banking, microloans, and personal finance solutions. In recent developments, the bank pursues acquisitions of Puyang Zhongyuan County Bank, Mengjin Minfeng County Bank, and Luanchuan Minfeng County Bank by cash to restructure them as branches and merge by absorption, aligning with policies to mitigate financial risks; these transactions, valued based on March 31, 2025 asset appraisals, involve acquiring minority stakes at prices from RMB1.33 to RMB4.25 per share pending regulatory filings. Additionally, in October 2025, Liu Kai resigned as president due to job reassignment, with Zhou Feng appointed as successor, executive director, and vice chairman subject to approvals at the November 10, 2025 extraordinary general meeting; the bank also advances corporate governance reforms including dissolution of the board of supervisors, amendments to articles of association, and rules of procedures.