---
title: "ZRCBANK (002839.SZ) — Financial Reports"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/002839.SZ/norm.md"
symbol: "002839.SZ"
name: "ZRCBANK"
parent: "https://longbridge.com/en/quote/002839.SZ.md"
datetime: "2026-05-20T18:54:59.763Z"
locales:
  - [en](https://longbridge.com/en/quote/002839.SZ/norm.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/002839.SZ/norm.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/002839.SZ/norm.md)
---

# ZRCBANK (002839.SZ) — Financial Reports

## Income Statement (CNY)

| Indicator | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
| --- | --- | --- | --- | --- | --- |
| EPS | 0.2400 | 0.1681 | 0.2325 | 0.1475 | 0.2300 |
| ROE | 11.07% | 7.97% | 11.44% | 8.62% | 11.30% |
| Revenue | 990.97M | 1.04B | 1.08B | 808.56M | 1.05B |
| Net income | 576.38M | 407.04M | 577.31M | 432.32M | 562.30M |
| NIM | - | - | - | - | - |
| Structure | 781.21M | 743.11M | 739.06M | 778.71M | 775.09M |
| Provision | 1.27B | 1.07B | 1.07B | 1.28B | 1.32B |

## Balance Sheet (CNY)

| Indicator | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
| --- | --- | --- | --- | --- | --- |
| A&L | 240.37B | 227.24B | 221.20B | 223.79B | 223.28B |
| Leverage | 11.29 | 10.98 | 10.77 | 11.08 | 11.02 |
| BVPS | 7.82 | 7.58 | 7.51 | 7.37 | 8.22 |
| Turnover | - | - | - | - | - |
| Dpt & ln | 193.88B | 178.22B | 180.84B | 176.27B | 179.35B |
| NPL | 1.47B | 1.40B | 1.38B | 1.68B | 1.35B |
| Capital ratio | - | 10.93% | 11.06% | 10.63% | 10.91% |
| Coverage | - | 321.47% | - | 309.43% | - |

## Cash Flow Statement (CNY)

| Indicator | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
| --- | --- | --- | --- | --- | --- |
| Operating CF | 5.40B | 5.03B | -2.91B | -2.45B | -2.92B |
| Investing CF | -770.62M | -3.60B | 3.96B | 967.83M | 4.81B |
| Financing CF | -867.59M | -1.76B | -535.66M | 494.38M | 365.01M |
| Free CF | - | - | - | - | - |

## Distribution Plan

**Dividend Yield**: 2.28

### Dividend History

| Description | Record Date | Ex-Date | Payment Date |
|-------------|-------------|---------|--------------|
| Cash Dividend: 
0.12CNY | 2026-05-20 | 2026-05-21 | 2026-05-21 |
| Cash Dividend: 
0.1CNY | 2025-10-14 | 2025-10-15 | 2025-10-15 |
| Cash Dividend: 
0.2CNY | 2025-05-15 | 2025-05-16 | 2025-05-16 |