中原銀行股份有限公司 ZHONGYUAN BANK CO., LTD. （於中華人民共和國註冊成立的股份有限公司） 股份代號：1216 INTERIM REPORT 目錄 0 公司資料 2 會計數據及財務指標摘要 5 管理層討論與分析 8 股本變動及股東資料 61 董事、監事、高級管理層及僱員 66 企業管治 70 重大事項 72 組織架構圖 77 致董事會審閱報告 78 綜合損益及其他綜合收益表 79 綜合財務狀況表 81 綜合權益變動表 83 綜合現金流量表 85 未經審計中期財務報表附註 87 未經審計補充財務信息 172 釋義 175 T 一、公司資料 公司法定名稱 中原銀行股份有限公司（簡稱：中原銀行） 1 公司英文名稱 ZHONGYUAN BANK CO., LTD.（簡稱： 1 ZYBANK） 註冊辦事處 中國河南省鄭州市鄭東新區CBD商務外環路23號中科金座大廈 中國總辦事處 中國河南省鄭州市鄭東新區CBD商務外環路23號中科金座大廈 香港主要營業地點 | --- | |--------------------------------------------------------| | | ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 中原銀行股份有限公司 * ZHONGYUAN BANK CO., LTD.* （於中華人民共和國註冊成立的股份有限公司） （股份代號：1216） 截至2024年6月30日止六個月之中期業績公告 中原銀行股份有限公司（「本行」）董事會（「董事會」）欣然宣佈，本行及其附屬公 司截至2024年6月30日止六個月（「報告期」）根據國際財務報告準則編製的未經審 計之合併中期業績（「中期業績」）。董事會及董事會審計委員會已審閱並確認中期 業績。 本業績公告於香港聯合交易所有限公司的網站 www.hkexnews.hk 及本行的網 站 www.zybank.com.cn 發佈。截至2024年6月30日止六個月之中期報告屆時將刊 發並可供在上述網站查閱。 | --- | --- | --- | --- | |-------|-------|-------|------------------------| | | | ...

I 中原銀行股份有限公司 ZHONGYUAN BANK CO., LTD. (於中華人民共和國註冊成立的股份有限公司) 股份代號：1216 0.00 produc 00000 0000000 000000 DOTOD 0000000 0.0000 UOTOO 000 000 E 1 ep 年度報告 T 目錄 | --- | --- | |------------------------------------------|-------| | | | | | | | 公司資料 | 2 | | 財務摘要 | 8 | | 董事長致辭 | 11 | | 行長致辭 | 16 | | 管理層討論與分析 | 20 | | 股本變動及股東資料 | 76 | | 董事、監事、高級管理人員、員工及機構情況 | 83 | | 企業管治報告 | 108 | | 董事會報告 | 147 | | 監事會報告 | 160 | | 重大事項 | 162 | | 獨立核數師報告 | 168 | | 未經審計補充財務信息 | 314 | | | | 釋義 317 农业路大 第一章 公司資料 1. 公司基本情況 公司法定名稱 中原銀行股份有限公 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示概不對因本公告全部或任何部份內容而產生或因倚賴 該等內容而引致的任何損失承擔任何責任。 中原銀行股份有限公司 * ZHONGYUAN BANK CO., LTD.* （於中華人民共和國成立的股份有限公司） （H股股份代號：1216） 截至2023年12月31日止之年度業績公告 中原銀行股份有限公司（「本行」）董事會（「董事會」）欣然宣佈，本行及其附屬公 司截至2023年12月31日止年度根據國際財務報告準則編製的經審計合併年度業績 （「年度業績」）。董事會及董事會審計委員會已審閱並確認年度業績。 本業績公告於香港聯合交易所有限公司的網站 www.hkexnews.hk 及本行的網 站 www.zybank.com.cn 發佈。截至2023年12月31日止年度之年度報告屆時將刊發 並可供在上述網站查閱。 承董事會命 中原銀行股份有限公司* 郭浩 董事長 中華人民共和國，鄭州 2024年3月28日 於本公告日期，本行董事會包括執行董事郭浩先生；非執行董事張秋雲女士、馮 若凡先生及張姝女士；獨立非 ...

H 中原銀行股份有限公司 ZHONGYUAN BANK CO., LTD. (於中華人民共和國註冊成立的股份有限公司) 股份代號：1216 優先股股份代號 : 4617 CANA 目錄 公司資料 2 會計數據及財務指標摘要 5 管理層討論與分析 8 股本變動及股東資料 65 董事、監事、高級管理層及僱員 72 企業管治 77 重大事項 79 組織架構圖 84 致董事會審閱報告 85 綜合損益及其他綜合收益表 86 綜合財務狀況表 88 綜合權益變動表 90 綜合現金流量表 93 未經審計中期財務報表附註 96 未經審計補充財務信息 180 名詞解釋 183 一、公司資料 公司法定名稱 中原銀行股份有限公司（簡稱：中原銀行） 1 公司英文名稱 ZHONGYUAN BANK CO., LTD.（簡稱： 1 ZYBANK） 註冊辦事處 中國河南省鄭州市鄭東新區CBD商務外環路23號中科金座大廈 中國總辦事處 中國河南省鄭州市鄭東新區CBD商務外環路23號中科金座大廈 香港主要營業地點 香港灣仔皇后大道東248號大新金融中心40樓 董事會 | --- | --- | |------------------------ ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 中原銀行股份有限公司 * ZHONGYUAN BANK CO., LTD.* （於中華人民共和國註冊成立的股份有限公司） （H股股份代號：1216） （優先股股份代號：4617） 截至2023年6月30日止六個月之中期業績公告 中原銀行股份有限公司（「本行」）董事會（「董事會」）欣然宣佈，本行及其附屬公 司截至2023年6月30日止六個月（「報告期」）根據國際財務報告準則編製的未經審 計之合併中期業績（「中期業績」）。董事會及董事會審計委員會已審閱並確認中期 業績。 本業績公告於香港聯合交易所有限公司的網站 www.hkexnews.hk及本行的網 站 www.zybank.com.cn發佈。截至2023年6月30日止六個月之中期報告屆時將寄發 至本行股東及可供在上述網站查閱。 | --- | --- | --- | --- | --- | |-------|-------|-------|------ ...

Financial Performance - Total assets of Zhongyuan Bank reached RMB 1,326.736 billion, ranking 8th among domestic city commercial banks[5] - Net interest income increased by 27.5% to RMB 21,276.3 million in 2022 compared to 2021[7] - Operating income rose by 32.8% to RMB 25,611.2 million in 2022 compared to 2021[7] - Net profit grew by 5.3% to RMB 3,825.1 million in 2022 compared to 2021[7] - Total assets surged by 72.7% to RMB 1,326,736.4 million in 2022 compared to 2021[8] - Net loans issued increased by 76.4% to RMB 666,892.4 million in 2022 compared to 2021[8] - Total deposits grew by 85.5% to RMB 845,257.2 million in 2022 compared to 2021[8] - Core tier 1 capital adequacy ratio decreased by 0.72% to 7.98% in 2022 compared to 2021[8] - Non-performing loan ratio improved by 0.25% to 1.93% in 2022 compared to 2021[8] - Provision coverage ratio increased by 3.59% to 157.08% in 2022 compared to 2021[8] - Cost-to-income ratio rose by 3.10% to 39.05% in 2022 compared to 2021[7] - Total assets reached RMB 1,326.736 billion, an increase of RMB 558.503 billion from the beginning of the year[11] - Total loans (excluding accrued interest) amounted to RMB 684.075 billion, an increase of RMB 295.915 billion from the beginning of the year[11] - Deposit balance (excluding accrued interest) stood at RMB 827.320 billion, an increase of RMB 378.895 billion from the beginning of the year[11] - Revenue for the year was RMB 25.611 billion, with a net profit of RMB 3.825 billion[11] - Total assets reached RMB 1,326.736 billion, an increase of RMB 558.503 billion, up 72.7% YoY[17] - Total loans (excluding accrued interest) amounted to RMB 684.075 billion, up RMB 295.915 billion, a 76.2% increase YoY[17] - Deposit balance (excluding accrued interest) was RMB 827.320 billion, an increase of RMB 378.895 billion, up 84.5% YoY[17] - Operating income reached RMB 25.611 billion, a 32.8% increase YoY[17][20] - Net profit was RMB 3.825 billion, up 5.3% YoY[17][20] - Interest income increased by RMB 11.7456 billion, a 36.9% year-on-year growth[21] - Net interest income rose by RMB 4.5833 billion, up 27.5% compared to the previous year[21] - Fee and commission income grew by RMB 301.4 million, a 12.2% increase[21] - Trading net income surged by RMB 825.6 million, a 625.0% year-on-year growth[21] - Investment securities net income increased by RMB 981.4 million, up 209.7%[21] - Total operating income reached RMB 25.6112 billion, a 32.8% increase[21] - Net profit attributable to shareholders increased by RMB 85.2 million, up 2.4%[21] - The average yield on interest-earning assets decreased to 4.22% from 4.41%[23] - The net interest margin narrowed to 1.89% from 2.13%[23] - The net interest yield decreased to 2.06% from 2.31%[23] - Interest income for the year ended December 31, 2022, reached RMB 43.614 billion, an increase of RMB 11.746 billion, up 36.9% year-over-year, primarily due to the growth in loans and advances[27] - Loans and advances interest income for the year ended December 31, 2022, was RMB 28.537 billion, an increase of RMB 9.020 billion, up 46.2% year-over-year, driven by the increase in the average balance of loans and advances[28] - Investment securities and other financial assets interest income for the year ended December 31, 2022, was RMB 8.997 billion, an increase of RMB 1.216 billion, up 15.6% year-over-year, due to the increase in the average balance of investment securities and other financial assets[30] - Interest expense for the year ended December 31, 2022, was RMB 22.338 billion, an increase of RMB 7.162 billion, up 47.2% year-over-year, primarily due to the growth in deposits[36] - Deposits interest expense for the year ended December 31, 2022, was RMB 15.462 billion, an increase of RMB 7.074 billion, up 84.3% year-over-year, driven by the increase in the average balance of deposits[37] - Net interest margin decreased from 2.31% in the previous year to 2.06% in 2022, primarily due to the decline in market interest rates and the implementation of national interest rate reduction policies[41] - Fee and commission net income for the year ended December 31, 2022, was RMB 1.783 billion, a decrease of RMB 149 million, down 7.7% year-over-year[42] - Wealth management fee income for the year ended December 31, 2022, was RMB 963 million, an increase of RMB 375 million, up 63.9% year-over-year, driven by the expansion of the product portfolio and improved customer service capabilities[43] - Bank card service fee income for the year ended December 31, 2022, was RMB 716 million, an increase of RMB 192 million, up 36.7% year-over-year, due to the development of credit card business and increased transaction volume[44] - The company's net trading income for the year ended December 31, 2022, was RMB 958 million, an increase of RMB 826 million year-on-year, primarily due to significant fluctuations in foreign exchange rates influenced by the global economy[45] - The net income from investment securities for the year ended December 31, 2022, was RMB 1.449 billion, an increase of RMB 981 million year-on-year, mainly due to increased investment income from financial assets measured at fair value[46] - The company's operating expenses for the year ended December 31, 2022, were RMB 10.278 billion, an increase of RMB 3.135 billion year-on-year, a 43.9% increase, primarily due to the absorption and merger of three banks[47] - The company's employee costs for the year ended December 31, 2022, were RMB 6.2677 billion, an increase of RMB 2.01 billion year-on-year, a 47.2% increase[48] - The company's impairment losses for the year ended December 31, 2022, were RMB 11.1895 billion, an increase of RMB 3.5493 billion year-on-year, a 46.5% increase, mainly due to increased disposal of non-performing assets and provision for bad debts[50] - The company's total assets as of December 31, 2022, were RMB 1,326.7364 billion, an increase of RMB 558.503 billion year-on-year, a 72.7% increase[54] - The company's total loans and advances as of December 31, 2022, were RMB 684.075 billion, an increase of RMB 295.915 billion year-on-year, a 76.2% increase[56] - Company loans increased by RMB 1,989.25 billion, a 114.6% growth, reaching RMB 3,725.76 billion, accounting for 54.2% of total loans and advances[58] - Personal loans grew by RMB 533.73 billion, a 29.0% increase, totaling RMB 2,374.86 billion, driven by the merger of three banks and increased support for consumer growth[60] - Bill discounting surged by RMB 436.17 billion, a 143.5% rise, amounting to RMB 740.12 billion, due to adjusted scale based on customer financing needs[62] - Investment securities and other financial assets increased by RMB 1,583.23 billion, a 73.6% growth, reaching RMB 3,734.38 billion, primarily due to increased holdings of Chinese government bonds[63] - Buyback financial assets rose by RMB 534.23 billion, a 453.0% increase, totaling RMB 652.18 billion, adjusted based on market conditions and asset-liability configuration[66] - Cash and deposits with central banks increased by RMB 139.46 billion, a 21.9% growth, reaching RMB 775.88 billion, due to the merger of three banks[66] - Deposits with other financial institutions grew by RMB 104.91 billion, a 98.1% increase, totaling RMB 211.87 billion, adjusted based on market conditions and asset-liability configuration[66] - Funds lent decreased by RMB 35.86 billion, a 10.4% drop, amounting to RMB 307.69 billion, adjusted based on market demand[67] - Lease receivables increased by RMB 264.52 billion, a 78.1% growth, reaching RMB 603.14 billion, due to the merger and acquisition of Luoyang Bank's subsidiary[67] - Total liabilities increased by RMB 527.248 billion, a 74.7% rise year-over-year, reaching RMB 12,331.02 billion[68] - Deposits grew by RMB 378.895 billion, an 84.5% increase year-over-year, totaling RMB 8,273.20 billion[69] - Corporate deposits accounted for 43.0% of total deposits, with current deposits making up 24.0% and fixed deposits 19.0%[70] - Interbank and other financial institution deposits increased by RMB 2.716 billion, a 9.9% rise year-over-year, reaching RMB 301.16 billion[71] - Borrowed funds rose by RMB 18.577 billion, a 55.9% increase year-over-year, totaling RMB 518.06 billion[72] - Issued bonds increased by RMB 48.315 billion, a 49.9% rise year-over-year, reaching RMB 1,451.59 billion[73] - Repurchase agreements surged by RMB 67.692 billion, a 199.0% increase year-over-year, totaling RMB 1,017.06 billion[74] - Total equity increased by RMB 31.255 billion, a 50.1% rise year-over-year, reaching RMB 936.35 billion[75] - Non-performing loan balance increased by RMB 4.723 billion, with the non-performing loan ratio decreasing by 0.25 percentage points to 1.93%[78] - The total loans and advances amounted to RMB 684,074.7 million, with a non-performing loan (NPL) ratio of 1.93%, down from 2.18% in the previous year[79] - Corporate loans accounted for 54.5% of total loans, with an NPL ratio of 1.86%, a decrease of 1.77 percentage points year-on-year[81] - Personal loans constituted 34.7% of total loans, with an NPL ratio of 2.64%, an increase of 1.46 percentage points compared to the previous year[81] - The manufacturing sector had an NPL ratio of 3.43%, a significant improvement from 8.52% in the previous year[82] - The real estate sector's NPL ratio increased to 5.83% from 3.22% in the previous year[82] - The agriculture, forestry, animal husbandry, and fishery sector had the highest NPL ratio at 7.11%, though it decreased by 4.3 percentage points year-on-year[82] - The leasing and business services sector had the lowest NPL ratio at 0.21%, down from 0.33% in the previous year[82] - The total NPL balance for corporate loans was RMB 6,915.2 million, an increase of RMB 609 million from the previous year[81] - The total NPL balance for personal loans was RMB 6,274.1 million, an increase of RMB 4,104 million from the previous year[81] - The discount bills segment had an NPL ratio of 0.01%, with an NPL balance of RMB 10.0 million[80] - Real estate non-performing loans increased by RMB 1.018 billion, with the non-performing loan ratio rising by 2.61 percentage points[83] - Other non-performing loans increased by RMB 394 million, with the non-performing loan ratio rising by 3.83 percentage points[83] - Total non-performing loans amounted to RMB 13.199 billion, with a non-performing loan ratio of 1.93%[84] - Guaranteed loans' non-performing loan balance increased by RMB 46 million, with the non-performing loan ratio decreasing by 2.52 percentage points[85] - Mortgage loans' non-performing loan balance increased by RMB 3.3 billion, with the non-performing loan ratio rising by 0.83 percentage points[85] - Total overdue loans amounted to RMB 24.57 billion, accounting for 3.59% of total loans[88] - Corporate banking business revenue was RMB 13.857 billion, accounting for 54.1% of total revenue[90] - Retail banking business revenue was RMB 6.282 billion, accounting for 24.5% of total revenue[90] - Core tier 1 capital adequacy ratio was 7.98%, down by 0.72 percentage points from the previous year[91] - The company's core tier 1 capital adequacy ratio decreased to 7.98% from 8.70% year-over-year[92] - The company's total capital adequacy ratio dropped to 11.83% from 13.30% year-over-year[92] - Corporate deposits reached RMB 363.267 billion, ranking first in market share in the province[93] - Corporate loans increased by RMB 198.925 billion to RMB 372.576 billion, a growth of 114.55%[94] - The total number of corporate clients reached 380,900, with 65,400 effective corporate clients[95] - New corporate accounts opened during the year totaled 46,500, with 6,500 being effective accounts[95] - Strategic clients' credit asset balance increased by RMB 34 billion compared to the beginning of the year[96] - Corporate deposit average balance for strategic clients increased by RMB 5.5 billion compared to the beginning of the year[96] - The company served 15,387 large-scale enterprises, with a coverage rate of 43.70%[97] - The company provided local government special bond issuance services for 18 cities and 167 counties, maintaining the top market share[98] - The bank's loans to the technology innovation and dual-carbon industry reached RMB 69.06 billion, with specialized and sophisticated SMEs accounting for RMB 8.1 billion across 554 clients[100] - Green finance disbursements in 2022 amounted to RMB 15.02 billion, with green credit balance reaching RMB 27.13 billion[100] - The bank's coverage rate of cooperation with secondary and above public hospitals reached 87%, and with medical consortia reached 53%[100] - Deposits in the medical, pharmaceutical, and elderly care sectors totaled RMB 10.3 billion, with loans reaching RMB 13.87 billion, an increase of RMB 2.46 billion from the beginning of the year[100] - The bank's cultural tourism loans reached RMB 20.221 billion, with disbursements of RMB 9.106 billion in the reporting period[101] - The bank's "YinShang" platform has served 415 suppliers with supply chain financing totaling RMB 2.688 billion, with 32 core enterprise clients onboard[102] - The bank successfully issued Henan Province's first technology innovation perpetual medium-term note for Pingdingshan Tianan Coal Industry[103] - The bank launched the "Zhongyuan Tourism Pass," a one-stop tourism rights platform for Henan residents[104] - Investment banking business achieved a total scale of RMB 18.6 billion, including RMB 11 billion in non-financial corporate debt financing tools[105] - Supply chain financing reached RMB 60.32 billion, a 30% year-on-year increase[107] - Wealth management accounts increased by 2,650 to 17,136, with average daily deposit balance growing by RMB 15.659 billion to RMB 75.182 billion[108] - International business achieved cross-border payment volume of USD 3.763 billion, an 18.7% year-on-year increase, with market share rising from 3.7% to 5.3%[110] - Retail deposits reached RMB 464.053 billion, a 112.67% year-on-year increase, with asset management balance growing by RMB 246.533 billion to RMB 568.324 billion[111] - Personal loans increased by RMB 53.373 billion to RMB 237.486 billion, a 28.99% year-on-year growth[112] - Total customer base reached 31.9158 million[113] - Mass customer group managed assets (including savings) reached RMB 420.29 billion, with savings deposits at RMB 356.75 billion[113] - Wealth and private banking customer group managed assets (including savings) grew by RMB 52.301 billion to RMB 148.034 billion, a 54.63% year-on-year increase[114] - Elderly customer base reached 8.6462 million, with managed assets of RMB 341.916 billion[115] - Children customer base reached 124,100, with managed assets of RMB 1.615 billion[115] - New payroll customers increased by 1.0627 million[115] - Cumulative registered users for payment and mall services reached 10.735 million, with a new increase of 1.866 million[115] - Credit card issuance reached 3.6348 million, with a new increase of 566,300[117] - Annual credit card transaction volume reached RMB 120.861 billion, a year-on-year increase of 18.76%[117] - Personal housing mortgage loans issued amounted to RMB 10.605 billion[118] - Evergreen loans issued

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示概不對因本公告全部或任何部份內容而產生或因倚賴 該等內容而引致的任何損失承擔任何責任。 中原銀行股份有限公司 * ZHONGYUAN BANK CO., LTD.* （於中華人民共和國成立的股份有限公司） （H股股份代號：1216） （優先股股份代號：4617） 截至2022年12月31日止之年度業績公告 中原銀行股份有限公司（「本行」）董事會（「董事會」）欣然宣佈，本行及其附屬公 司截至2022年12月31日止年度根據國際財務報告準則編製的經審計合併年度業績 （「年度業績」）。董事會及董事會審計委員會已審閱並確認年度業績。 本業績公告於香港聯合交易所有限公司的網站 www.hkexnews.hk及本行的網 站 www.zybank.com.cn發佈。截至2022年12月31日止年度之年度報告屆時將寄發 至本行股東及可供在上述網站查閱。 | --- | --- | --- | --- | |-------|-------|-------|------------------------| | ...