Zhongyuan Bank Company Overview and Financial Insights

Zhongyuan Bank is a Chinese commercial bank that has been in operation since 1997. It was founded by the Henan Provincial Government and is headquartered in Zhengzhou, Henan Province.

Zhongyuan Bank has a significant presence in the Chinese banking industry, with over 500 branches across the country. Its main business focus is on corporate banking, retail banking, and asset management.

The bank's financial performance has been impressive, with assets totaling over 1 trillion yuan as of 2020. This makes it one of the largest banks in Henan Province.

Zhongyuan Bank has a strong commitment to social responsibility, with a focus on supporting local economic development and community welfare initiatives.

Zhongyuan Bank Co., Ltd. has a strong foundation, having been founded in 2014. It's impressive to see how the company has grown since then.

The bank has a significant presence globally, with operations in the Asia Pacific, North America, and internationally. This allows them to cater to a diverse range of customers.

Zhongyuan Bank Co., Ltd. is led by CEO Kai Liu, who brings a wealth of experience and expertise to the role. The bank's website is www.zybank.com.cn, a convenient resource for customers and interested parties alike.

Zhongyuan Bank was created in 2014 through the merger of 13 smaller banks in Henan.

The bank's website highlights its commitment to communist party history and ideology, hosting study events for staff in 2021 and celebrating the Chinese Communist Party's 100-year anniversary.

In 2021, Zhongyuan Bank announced its plan to merge with three other banks, including Bank of Luoyang, in response to a government push for consolidation.

The Bank of Luoyang had previously financed China Evergrande Group, a large mainland China real estate developer that faced financial difficulties in late 2021.

Liu Kaisheng took over as vice-president of Zhongyuan Bank in August 2022, followed by Wang Jiong who became president later that year.

In September 2022, Zhongyuan Bank and Zhongyuan Consumer Finance co-hosted an anti-fraud art show outside the People's Bank local branch in Zhengzhou.

Zhongyuan Bank Co., Ltd. was founded in 2014. They have a significant presence in the Asia Pacific, North America, and internationally.

The bank operates through four main segments: Corporate Banking, Retail Banking, Financial Markets Business, and Others.

Their Corporate Banking segment provides a range of services to corporations, government agencies, and financial institutions.

Here are some key facts about Zhongyuan Bank Co., Ltd.'s leadership and operations:

Zhongyuan Bank has a significant capitalization, ranging from 1.12B to 51.67B.

The bank's enterprise value has fluctuated over time, reaching a high of 3,183B in one instance.

Here are the bank's valuation metrics over time:

The bank's free-float is 14.95%.

In the sales by activity section, we can see that corporate banking has been a significant contributor to Zhongyuan Bank Co., Ltd.'s revenue. Its sales have fluctuated over the years, reaching a high of 10.49 billion in 2023.

Corporate banking sales have increased by 2.01 billion from 2019 to 2023. Retail banking sales, on the other hand, have seen a decline, dropping from 4.79 billion in 2019 to 2.39 billion in 2023.

The financial markets business has also experienced growth, with sales increasing by 1.59 billion from 2019 to 2023. However, the "Others" category has seen a decline, with sales dropping from -189 million in 2020 to -1.06 billion in 2023.

Here's a breakdown of the sales by activity for Zhongyuan Bank Co., Ltd.:

Valuation is a crucial aspect of understanding a company's financial health. The P/E ratio is a key metric used to evaluate a company's stock price relative to its earnings per share.

The P/E ratio for Zhongyuan Bank Co., Ltd. in 2022 was 5.82x, while in 2023 it dropped to 4.62x. This significant decline indicates a potential shift in market sentiment or a change in the company's financial performance.

Enterprise value is another important metric that represents the total value of a company, including its debt and equity. In 2022, the enterprise value for Zhongyuan Bank Co., Ltd. was 154 billion, while in 2023 it increased to 165 billion.

Here are some key valuation metrics for Zhongyuan Bank Co., Ltd.:

The free-float percentage, which represents the percentage of a company's outstanding shares available for trading, was 14.95% for Zhongyuan Bank Co., Ltd.

Zhongyuan Bank's share price has been quite volatile over the years, with a 52 Week High of HK$0.58 and a 52 Week Low of HK$0.27.

The bank's current share price is HK$0.30, which is a significant drop from its IPO price.

Over the past 5 years, the bank's share price has decreased by 74.36%, indicating a long-term decline in investor confidence.

Here's a breakdown of the bank's share price performance over the past few years:

The bank's beta of -0.091 indicates that its share price tends to move in the opposite direction of the market, which can be a good thing for investors who want to hedge against market volatility.

The bank's 1 Month and 3 Month changes are both 0%, indicating that its share price has been relatively stable over the past few months.

However, it's worth noting that the bank's share price can be quite sensitive to market movements, with a 1 Year Change of -4.76% and a 3 Year Change of -62.50%.

Zhongyuan Bank's leadership is comprised of experienced individuals with a strong track record. Kai Liu serves as the President, a position he has held since January 19, 2023.

The bank's management is headed by Kai Liu, who has been President since January 19, 2023. Wen Yao Pan is the Corporate Secretary, also joining the bank in 2023.

The Board of Directors consists of six members, each with a unique background and expertise. They include Hao Guo, the Chairman, who took office on May 14, 2023.

Here's a breakdown of the Board of Directors:

The Executive Committee plays a crucial role in the governance and leadership of Zhongyuan Bank Co., Ltd. Led by President Kai Liu, who has been in the position since January 19, 2023.

Kai Liu is 53 years old and has been a key figure in the bank's decision-making process. His experience and expertise have been invaluable to the bank's success.

Wen Yao Pan serves as the Corporate Secretary, a position he took on November 27, 2023.

The Board of Directors at Zhongyuan Bank Co., Ltd. is comprised of seven members, with three of them being over the age of 70.

The oldest member of the Board is Xin Min Pan, who is 79 years old. He has been a Director since 2019.

The average age of the Board members is around 62 years old, with Ke Zhang being the youngest at 48.

Here's a breakdown of the Board members' ages:

The Board has been in place for several years, with some members having been appointed as early as 2014.

Zhongyuan Bank has several major shareholders, with Yan Xu holding the largest share at 14.4%. This is a significant stake in the company.

The next largest shareholders are LR Capital Management Co. Cayman Ltd. and New Merit Group Ltd., each holding around 6.9% and 6.5% respectively. These institutional investors likely have a significant influence on the bank's decision-making process.

A notable share also belongs to DBS GROUP HOLDINGS LTD, with a 4.7% stake in the company. Province of Henan is another significant shareholder, holding a 13.9% stake.

Here is a list of the top shareholders:

As I dug into the shareholders of Zhongyuan Bank Co., Ltd., I was struck by the diversity of entities holding equities in the company. Yan Xu tops the list with a significant 14.4% stake, worth a whopping 39 million dollars.

Yan Xu's stake is substantial, but it's not the only notable holding. LR Capital Management Co. Cayman Ltd. comes in second with 6.944% of the company, valued at 19 million dollars.

DBS GROUP HOLDINGS LTD also holds a significant stake, with 4.728% of the company valued at 13 million dollars. Province of Henan is another major shareholder, holding 13.91% of the company, worth 87 million dollars.

Here's a breakdown of the top shareholders:

It's worth noting that the top shareholders are a mix of individual investors and institutional entities, highlighting the complexity of shareholder structures in large companies.

Institutions play a significant role in shaping the financial landscape. Banks are no exception.

First Tractor's subsidiary was unable to find an interested party for the disposal of equity in Zhongyuan Bank.

Zhongyuan Bank Co., Ltd. acquired the remaining 49% stake in Lushi Zhongyuan County Bank Co., Ltd. for CNY 31.2 million.

Here's a brief overview of the recent bank transactions:

Zhongyuan Bank has been making headlines with its recent developments.

In December 2024, First Tractor's subsidiary was unable to find an interested party for the disposal of its equity in Zhongyuan Bank.

Zhongyuan Bank Co., Ltd. agreed to acquire the remaining 49% stake in Lushi Zhongyuan County Bank Co., Ltd. for CNY 31.2 million on October 14, 2024.

First Tractor's subsidiary reported no interested transferee for shares in Zhongyuan Bank on September 27, 2024.

Zhongyuan Bank sold 5 billion yuan of bonds for loans to small and micro companies on September 20, 2024.

Here are some key events related to Zhongyuan Bank's press releases:

Zhongyuan Bank issued 8 billion yuan tier-II bonds on July 12, 2024, causing its shares to jump 14%.

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You need a Zhongyuan Bank Co., SWIFT code for international transfers. This code is crucial for routing the funds to the correct bank and branch, ensuring a secure and efficient transfer process.

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