Core Viewpoint - Banks are intensifying their automotive consumer finance support as the year-end car buying season approaches, implementing measures such as zero interest rates and subsidies to stimulate the automotive market [1][2] Group 1: Bank Initiatives - Postal Savings Bank of China offers up to 4,500 yuan in financial subsidies for the new BJ40 model, with annual loan rates ranging from 0% to 6% [1] - Ping An Bank has launched a year-end car purchase campaign with a minimum interest rate of 0%, offering loans from 10,000 yuan to a maximum of 1 million yuan [1] - Zhongyuan Bank has introduced a "Car Purchase Guide" for its car loan products, with online approval and loan amounts up to 3 million yuan at an interest rate starting from 4.37% [1] Group 2: Market Dynamics - The increase in automotive consumer finance incentives by banks is driven by the year-end buying season and government measures to boost consumption [2] - Banks are focusing on activating car purchase demand through low rates, subsidies, and flexible guarantees amid slowing retail credit growth [2] - The automotive finance sector is transitioning from extensive expansion to a more refined operation centered on scenario-based, digital, and personalized services [2] Group 3: Future Trends - Future competition in automotive finance will shift from interest rate comparisons to capabilities in scenario embedding, technological responsiveness, and ecological collaboration [3] - Key trends include deepening engagement in the new energy sector, enhancing technological empowerment and risk control, and promoting product differentiation for various consumer segments [3] - The focus will also be on establishing partnerships with quality car manufacturers and dealers, creating a comprehensive financial service ecosystem for car owners, and leveraging digital platforms to align with government consumption incentives [3]

Core Viewpoint - The establishment of the first "Elderly Financial Demonstration Outlet" by Zhongyuan Bank in Zhengzhou aims to provide comprehensive financial services tailored to the elderly population, focusing on their unique financial needs and enhancing their overall service experience [1][5]. Group 1: Elderly-Focused Services - The Zhengzhou Jing San Road branch has implemented ten specialized services for the elderly, including user-friendly smart teller machines designed for ease of use, priority service channels, and a range of supportive facilities such as wheelchairs and magnifying glasses [2]. - The branch has integrated elderly-friendly concepts into its business processes through hardware upgrades, creating a comfortable and reassuring environment for elderly clients [2]. Group 2: Comprehensive Financial Solutions - A dedicated elderly financial team has been established to address the specific needs of elderly clients, offering personalized financial consulting in areas such as wealth management and retirement planning [3]. - The bank promotes a product system that includes savings, insurance, and wealth management, aiming to provide stable retirement asset allocation solutions [3]. - Regular financial education activities are conducted to enhance elderly clients' awareness of personal information protection and fraud prevention [3]. Group 3: Community Engagement and Cultural Activities - The bank has created a multifunctional service center that combines financial services with health consultations and social activities, fostering community engagement among the elderly [4]. - Regularly organized cultural activities, such as traditional crafts, enrich the spiritual and cultural lives of elderly clients, positioning the branch as a "warm harbor" for the local elderly community [4]. Group 4: Future Development Plans - Zhongyuan Bank plans to extend the elderly-friendly upgrades to other branches, aiming to create a "financial + lifestyle" ecosystem for elderly clients, thereby enhancing their quality of life [5].

Group 1 - The 19th Shenzhen International Financial Expo and the 2025 China Financial Institutions Annual Conference took place in Shenzhen, gathering hundreds of industry representatives from banking, securities, insurance, trust, and futures sectors to explore new paths for high-quality development in the financial industry [1] - At the China Banking Industry Annual Conference, the "China Banking Industry Tianji Award" winners were announced, with Zhongyuan Bank receiving the 2025 Regional Influential Bank Tianji Award for the seventh consecutive year [3] - Zhongyuan Bank, established in December 2014, has a network of branches covering the entire Henan province and was listed on the Hong Kong Stock Exchange in July 2017. Following the merger with Luoyang Bank, Pingdingshan Bank, and Jiaozuo Zhonglv Bank in May 2022, its asset scale exceeded 1.3 trillion yuan, enhancing its capital strength and industry competitiveness [3] Group 2 - As of June 30, 2025, Zhongyuan Bank reported total assets of 1,407.93 billion yuan, a year-on-year increase of 3.1%, with operating income of 13.563 billion yuan and net profit of 2.129 billion yuan. The core tier one capital adequacy ratio, tier one capital adequacy ratio, and total capital adequacy ratio increased by 0.21, 0.25, and 0.27 percentage points respectively compared to the end of the previous year, indicating a continuous improvement in capital strength [3] - Zhongyuan Bank aims to become a leading city commercial bank and a pioneer in the financial sector of Henan, focusing on differentiated development and building core competitiveness to contribute to the modernization of China [4]

Core Insights - The article highlights the top short-selling stocks in the market, indicating significant investor sentiment and potential market movements [1][2]. Short Selling Ratios - AIA Group (81299), Li Ning (82331), and JD Health (86618) have the highest short-selling ratios at 100.00% each [1][2]. - JD Group (89618) follows closely with a short-selling ratio of 98.73%, while Tencent Holdings (80700) has a ratio of 94.71% [2]. Short Selling Amounts - Xiaomi Group (01810) leads in short-selling amount with 2.524 billion, followed by Alibaba (09988) at 2.305 billion and Tencent Holdings (00700) at 1.140 billion [1][2]. - Other notable mentions include Pop Mart (09992) with 1.016 billion and Lenovo Group (00992) at 676 million [2]. Deviation Values - Zhongyuan Bank (01216) has the highest deviation value at 62.66%, indicating a significant difference from its average short-selling ratio over the past 30 days [1][2]. - East Asia Bank (00023) and Autohome (02518) follow with deviation values of 38.85% and 38.65%, respectively [2].

Core Viewpoint - The "2025 China Financial Institutions Annual Conference" held in Shenzhen focuses on empowering and reshaping value in the financial sector, with discussions on current economic and financial issues in China [1][2]. Group 1: Event Overview - The conference includes a main forum and six sub-forums covering various sectors such as securities investment banking, asset management, banking, insurance, trust, and futures [2]. - Over 1,000 industry elites from leading banks, insurance companies, securities firms, and futures companies participated in discussions [2]. Group 2: Awards and Recognitions - The "2025 China Banking Industry Tianji Award" results were announced, with over 100 banking institutions competing [2]. - Notable winners include: - Regional Influence Bank Tianji Award: Industrial Bank, Ningbo Bank, WeBank, and others [5]. - Outstanding Service Bank Tianji Award for the Guangdong-Hong Kong-Macao Greater Bay Area: China Construction Bank Shenzhen Branch, CITIC Bank Shenzhen Branch, and others [5]. - Outstanding Wealth Management Bank Tianji Award: Agricultural Bank of China Wealth Management, Ping An Wealth Management, and others [6]. Group 3: Specific Awards - Various awards were given for different categories, including: - Outstanding Consumer Finance Company Tianji Award: Zhaolian [6]. - Leading Wealth Management Team Tianji Award: Teams from Bank of China Wealth Management, Ping An Wealth Management, and others [11]. - Outstanding Mobile Banking APP Tianji Award: Shanghai Bank's mobile banking [18]. Group 4: Industry Impact - The Tianji Award, organized by the Securities Times, is a prestigious recognition in the banking sector, focusing on the progress and development of commercial banks over the past year [21]. - The award evaluation process combines quantitative indicators, expert reviews, and public voting, aiming to identify the best companies and innovations in the Chinese banking industry [21].

Core Viewpoint - The leadership change at Zhongyuan Bank is a strategic response to dual pressures of governance and operations faced by local financial institutions, reflecting the urgent need for transformation within a large-scale city commercial bank [1][3]. Group 1: Leadership Transition - The resignation of former president Liu Kai and the appointment of Zhou Feng were announced on October 17, 2025, marking a significant management shift for the bank, which has assets exceeding one trillion yuan [1][3]. - Zhou Feng's background combines experience in financial regulation and local government, making him well-suited to address the bank's governance and operational challenges [4][16]. - Liu Kai, a founding member of Zhongyuan Bank, oversaw its growth and stability, ensuring a smooth transition for the new leadership team [6][7]. Group 2: Governance and Operational Challenges - The new management team faces significant challenges, including instability within the executive team, with multiple high-level executives having been dismissed or investigated in recent years [10]. - As of June 30, 2025, the bank reported a slight decrease in revenue and net profit, with a non-performing loan ratio of 2.01%, which is above the average of 1.76% for city commercial banks [11][12]. - The integration of three merged banks has created additional operational difficulties, including the need to manage legacy risk assets and improve internal coordination [13][14]. Group 3: Strategic Focus and Future Outlook - The new leadership must balance scale expansion with quality improvement, focusing on transforming the bank's operational efficiency and risk management practices [15][18]. - Initiatives such as signing strategic cooperation agreements with local governments and launching innovative retail credit products indicate the bank's commitment to regional banking [17]. - The transformation of Zhongyuan Bank serves as a reference for other local city commercial banks facing similar governance and operational challenges, highlighting the importance of effective governance and strategic clarity for long-term success [19].

Core Points - The article discusses a financial literacy initiative by Zhongyuan Bank Pingdingshan Branch aimed at enhancing financial knowledge and fraud awareness among young students [1][3] - The event featured a "Banking Classroom" activity with the theme "The Wonderful Journey of Money," providing an engaging financial education experience for students [1][3] Group 1: Financial Education Activities - The classroom session covered five main modules: the history of currency development, banking secrets, pocket money planning, RMB identification, and anti-fraud safety [3] - The presentation utilized visual aids and real-life comparisons to illustrate the evolution of currency, capturing the students' interest [3] - Students learned a three-step method to identify counterfeit currency, emphasizing the importance of RMB as legal tender and the illegality of refusing cash [3] Group 2: Fraud Awareness Training - The event included an "Anti-Fraud Little Guardian Training Camp," which used real case analyses, anti-fraud slogans, and situational simulations to enhance students' self-protection skills [3] - The initiative aims to transform professional financial knowledge into accessible and engaging content, fostering financial literacy and strengthening fraud prevention among children [3] Group 3: Future Plans - Zhongyuan Bank Pingdingshan Branch plans to continue its efforts in regular financial knowledge dissemination, providing practical financial education to youth [3] - The goal is to help students establish correct views on money, consumption, and safety, contributing to their healthy development [3]

Core Points - Zhongyuan Bank (01216) announced the appointment of Mr. Zhou Feng as an executive director of the third board of directors, which was approved at the second extraordinary general meeting of shareholders in 2025, pending approval from the Henan Regulatory Bureau of the National Financial Supervision Administration for his qualification [1] - Mr. Zhou Feng was elected as the vice chairman of the third board of directors during the board meeting held on November 10, 2025, with a term starting from the approval of his qualification by the Henan Regulatory Bureau until the next board election [1] - On November 10, 2025, the employee representative assembly democratically elected Mr. Gao Baohong as the employee director of the third board of directors, also pending approval from the Henan Regulatory Bureau for his qualification [1]

Core Points - Zhongyuan Bank has appointed Mr. Zhou Feng as an executive director of the third board of directors, pending approval from the National Financial Supervision Administration of Henan [1] - Mr. Zhou Feng was elected as the vice chairman of the third board of directors on November 10, 2025, with a term lasting until the next board election, subject to regulatory approval [1] - The employee representative assembly elected Mr. Gao Baohong as an employee director of the third board, also requiring regulatory approval for his position [1]

（於中華人民共和國註冊成立的股份有限公司） （股份代號：1216） 2025年第二次臨時股東大會的投票表決結果； 修訂本行章程、《股東大會議事規則》及《董事會議事規則》； 委任執行董事； 不再設立本行監事會並廢止監事會相關公司治理制度； 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.* 選舉副董事長；及 選舉第三屆董事會職工董事 茲提述中原銀行股份有限公司*（「本行」）日期為2025年10月20日的2025年第二次 臨時股東大會（「2025年第二次臨時股東大會」）通函（「通函」）及通告，內容有關 （其中包括）2025年第二次臨時股東大會。除文義另有所指外，本公告所用詞彙與 通函所界定者具有相同涵義。 董事會謹此宣佈，2025年第二次臨時股東大會已於2025年11月10日（星期一）在 中國河南省鄭州市鄭東新區金融島外環路9號中原銀行大廈實體舉行。 2025年第二次臨時股東大會由 ...