CZBANK 2025 Earnings Slide 14.85%, Assets Expand to RMB3.48 Trillion; Proposes Cash Dividend of RMB1.31 per 10 Shares

Bulletin Express03-30

China Zheshang Bank Co., Ltd. (CZBANK) reported audited results for 2025 showing revenue pressure but continued balance-sheet growth.

• Net profit attributable to shareholders fell 14.85% year on year to RMB12.93 billion, while operating income declined 7.60% to RMB62.56 billion. • Net interest margin contracted 11 basis points to 1.60%; net interest income slipped 1.55% to RMB44.46 billion, and net non-interest income dropped 19.72% to RMB18.10 billion.

Balance-sheet metrics remained resilient:

• Total assets rose 4.68% to RMB3.48 trillion; customer loans increased 3.53% to RMB1.92 trillion; customer deposits grew 6.30% to RMB2.04 trillion. • Asset quality improved slightly: non-performing loan ratio down 0.02 percentage point to 1.36%; allowance coverage at 155.37%. • Capital adequacy ratio stood at 12.12%, with Tier 1 at 9.60% and CET1 at 8.40%. • Liquidity coverage ratio was 174.01% at year-end.

Dividend proposal: the Board recommends a cash payout of RMB1.31 (tax inclusive) per 10 shares, subject to shareholder approval.

Governance updates: Chen Haiqiang was elected Chairman in December 2025 (regulatory approval received in February 2026); Lyu Linhua appointed Acting President in December 2025.

No controlling shareholder exists; Zhejiang Provincial Innovation Investment Group remains the largest holder with a 12.57% stake.

All information is sourced from CZBANK’s 2025 audited annual results announcement released on 30 March 2026.

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