Zhongyuan Bank Co., Ltd. (ZYBANK) released audited 2025 results.

• Operating income climbed 2.10% to RMB26.51 billion, while net profit came in at RMB3.58 billion, up 3.10%. Profit attributable to ordinary shareholders rose 4.10% to RMB3.59 billion.

• Total assets reached RMB1.41 trillion, 3.60% higher than a year earlier; loans and advances stood at RMB740.60 billion (+2.90%), and customer deposits at RMB981.29 billion (+7.60%).

• Asset quality improved. The non-performing loan ratio fell 0.06 percentage point to 1.96%, and the allowance coverage ratio advanced 10.72 percentage points to 165.75%.

• Capital buffers strengthened: core tier-1 capital adequacy ratio rose to 8.89% (+0.43 ppt), tier-1 to 11.38% (+0.45 ppt) and total capital adequacy ratio to 13.52% (+0.50 ppt).

• Liquidity and funding: the loan-to-deposit ratio eased to 76.52% (-3.81 ppt). Net interest margin widened 7 basis points to 1.68% as funding costs fell faster than asset yields.

• Per-share data: earnings per share stayed at RMB0.08; net assets per share edged up 0.90% to RMB2.28.

• Dividend update: the Board deferred the 2025 profit-distribution proposal and plans to reconvene before 31 May 2026; no dividend figure was announced.

• Governance changes: the Bank dissolved its Board of Supervisors effective 5 January 2026 after shareholder approval and regulatory clearance; supervisory duties shift to the Audit Committee under the Board.

• Capital actions: during the year the Bank redeemed RMB1 billion perpetual bonds, issued RMB8 billion tier-2 capital bonds and RMB5 billion three-year financial bonds, and maintained RMB10 billion undated additional tier-1 bonds outstanding.

Management noted that 2026 will focus on deepening the “Four Banks” strategy, controlling new risks while resolving existing ones and delivering differentiated, technology-driven growth.