Financial Performance - Net interest income for 2025 reached RMB 22,518.8 million, a 4.5% increase from RMB 21,542.7 million in 2024[26]. - Total operating income was RMB 26,507.0 million, reflecting a 2.1% growth compared to RMB 25,955.3 million in 2024[26]. - Pre-tax profit decreased by 17.0% to RMB 2,282.7 million from RMB 2,750.5 million in 2024[26]. - Net profit attributable to shareholders increased by 4.1% to RMB 3,588.6 million from RMB 3,445.9 million in 2024[26]. - The non-performing loan ratio improved to 1.96%, down from 2.02% in 2024[28]. - The capital adequacy ratio rose to 13.52%, an increase of 0.50% from 13.02% in 2024[28]. - Total assets grew by 3.6% to RMB 1,414,293.4 million from RMB 1,365,197.0 million in 2024[28]. - The loan-to-deposit ratio decreased to 76.52%, down from 80.33% in 2024[28]. - The average return on total assets remained stable at 0.26% compared to 0.26% in 2024[26]. - The group achieved an operating income of RMB 26.507 billion, representing a growth of 2.1% year-on-year[45]. - The net profit for the year was RMB 3.576 billion, an increase of 3.1% from the previous year[45]. Asset Management - Total assets reached RMB 1,414.29 billion, an increase of RMB 49.10 billion or 3.6% compared to the previous year[55]. - Total loans (excluding accrued interest) amounted to RMB 733.91 billion, up RMB 19.45 billion or 2.7% year-on-year[55]. - Deposit balance (excluding accrued interest) was RMB 959.13 billion, increasing by RMB 69.69 billion or 7.8% from the previous year[55]. - The balance of personal consumption loans reached RMB 1,948 billion, supporting consumer spending initiatives[47]. - The balance of inclusive small and micro loans amounted to RMB 962 billion, benefiting numerous households[46]. - The balance of technology loans was RMB 70.095 billion, with a total of 3,374 borrowing enterprises[160]. - The balance of green credit reached RMB 51.462 billion, serving 28,100 clients[164]. Risk Management - The company aims to enhance risk control and deepen reform and innovation to support high-quality development[34]. - The company is committed to risk management, focusing on early identification and disposal of risks[39]. - The company utilized various methods such as write-offs and loan restructuring to manage and reduce NPLs effectively[139]. - The company noted that the increase in NPLs was primarily due to fluctuations in the operational capabilities of some enterprises affected by the macroeconomic environment[138]. Operational Scale - Zhongyuan Bank reported total assets exceeding RMB 1.4 trillion as of the end of the reporting period[13]. - The bank has over 600 operating outlets and 18 branches across Henan province[13]. - The bank has over 20,000 employees, reflecting its significant operational scale[13]. - The company served over 12.81 million elderly clients through its pension finance services, with a commercial pension fund balance exceeding RMB 1.7 billion[46]. Strategic Initiatives - The bank aims to support the modernization of China's economy, aligning with government objectives[14]. - The strategic transformation aims to enhance competitive advantages through specialized development[37]. - The company plans to maintain a focus on long-term value while balancing short-term benefits in its operations[39]. - The company plans to deepen digital transformation and enhance risk control capabilities to support high-quality development[49]. Customer Engagement - The mobile banking app has registered 19.06 million users, an increase of 1.49 million from the previous year, with 16.21 million active customers, up by 1.21 million[192]. - The customer service center handled 3.86 million customer service requests, achieving a call connection rate of 96.57% and a customer satisfaction rate of 99.79%[195]. - The bank's WeChat banking channel has gained 11.46 million followers, an increase of 1.33 million, with 7.99 million linked card users, up by 1.13 million[193]. Awards and Recognition - Zhongyuan Bank was recognized as a leading city commercial bank in 2025, receiving multiple awards for its influence and brand[20]. - In 2025, Zhongyuan Bank was selected as an outstanding case for innovation in the banking industry[17]. - The bank achieved a brand value of RMB 9.381 billion, ranking first in the financial insurance sector in 2024[15]. Market Position - In 2025, Zhongyuan Bank ranked 152nd in The Banker’s list of the world's top 1,000 banks[15]. - Zhongyuan Bank was listed 305th in the 2025 Fortune China 500 rankings[16]. - The balance of corporate deposits was RMB 357.34 billion, ranking first in market share in the province[152]. - The balance of corporate loans was RMB 421.84 billion, ranking third in market share in the province[154].

Core Viewpoint - Zhongyuan Bank has launched the mobile banking version 7.0, marking a new phase in its digital transformation and inclusive financial service system, focusing on retail financial services in Henan Province [1][3]. Group 1: Digital Banking Innovations - The new mobile banking version emphasizes "inclusive without boundaries, intelligent empowerment, scene integration, and security protection" as its core philosophy, enhancing the user experience through a fully integrated service model [3]. - The bank has achieved over 95% compatibility with the HarmonyOS, indicating a strong commitment to cross-platform service integration [3]. - AI-driven customer service improvements have been made in intent recognition, intelligent navigation, and remote assistance, significantly enhancing online service efficiency [3]. Group 2: Wealth Management Enhancements - Zhongyuan Bank is building an open wealth ecosystem, with over 90% of wealth products now supporting purchases with cards from other banks [3]. - The upgraded "Wealth Pocket" integrates wealth management and payment functions, introducing online systems for wealth inheritance, commercial pensions, and intelligent fund advisory services [3]. Group 3: Consumer Finance Developments - The consumer finance segment has integrated five major product lines, including housing loans and credit cards, launching a "Card-Loan Linkage" service model to improve loan efficiency [4]. - New customer interest rate discounts, interest-free renewals, and various incentives are introduced to support consumer spending upgrades [4]. Group 4: Rural Financial Services - The bank is advancing high-quality financial services for rural revitalization, focusing on integrating industrial finance with local resources to enhance regional advantages [5]. - The mobile banking 7.0 release reflects the deep integration of digital capabilities and service systems in the retail financial sector [5].

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） 內幕消息 本公告乃由中原銀行股份有限公司（「本行」，連同其附屬公司稱「本集團」）根據香 港聯合交易所有限公司（「聯交所」）證券上市規則（「上市規則」）第13.09(2)條及香 港法例第571章《證券及期貨條例》第XIVA部內幕消息條文（定義見上市規則）而 作出。 本行欣然宣佈，於2026年3月27日，邦銀金融租賃股份有限公司（「邦銀金租」）董 事會及洛銀金融租賃股份有限公司（「洛銀金租」）董事會分別通過了關於啟動邦銀 金租吸收合併洛銀金租（「潛在吸收合併」）相關工作的議案。 有關邦銀金租及洛銀金租的資料 邦銀金租是一家以金融租賃業務為主的非銀行金融機構。邦銀金租成立於2013年 8月，總部設在河南省鄭州市，主要從事融資租賃業務、轉讓和受讓融資租賃資 產、固定收 ...

中原銀行股份有限公司 * 郭浩 董事長 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） 董事會會議通知 中原銀行股份有限公司*（「本行」）董事（「董事」）會（「董事會」）謹此宣佈，董事會 會議將於2026年3月30日（星期一）舉行，藉以（其中包括）審議及批准本行及其附 屬公司截至2025年12月31日止年度的業績及其發佈，並審議末期股息（如有）的 宣派及派付。 承董事會命 中華人民共和國，鄭州 2026年3月17日 於本公告日期，本行董事會包括執行董事郭浩先生及周鋒先生；非執行董事 馮若凡先生、李文強先生及張姝女士；獨立非執行董事徐義國先生、趙紫劍女 士、王茂斌先生、潘新民先生及高平陽先生。 * 中原銀行股份有限公司並非一家根據銀行業條例（香港法例第155章）之認可機構，並不受 限於香港金融管理局的監督， ...

FF301 本月底法定/註冊股本總額： RMB 36,549,823,322 | 2. 股份分類 | 普通股 | 股份類別 | | 其他類別 (請註明) | 於香港聯交所上市 (註1) | | 否 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | N/A | 說明 | 內資股 | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 29,604,823,322 | RMB | | 1 RMB | | 29,604,823,322 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 29,604,823,322 | RMB | | 1 RMB | | 29,604,823,322 | | 1. 股份分類 | 普通股 | 股份類別 | H | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | ...

Group 1 - The majority of Chinese bank stocks have risen, with notable increases in shares such as Zhongyuan Bank up 4.55% to HKD 0.345, and Chongqing Rural Commercial Bank up 4.35% to HKD 6 [1] - Galaxy Securities highlights that the Central Political Bureau meeting has set the tone for the "14th Five-Year Plan," maintaining a macro policy direction of stability and proactive measures, which is favorable for bank operations and transformation [1] - The banking sector is expected to see a continuous recovery in net profit growth by 2025, with a focus on low valuation opportunities for investment [1] Group 2 - Huatai Securities notes that the difficulty in further repairing market risk premiums has increased, while high dividends still hold certain allocation value [1] - In Q4 2025, commercial banks are expected to see improved profit growth, with net interest margins remaining stable [1] - Among 12 banks that disclosed preliminary performance reports for 2025, 9 reported revenue increases and 8 reported profit improvements, indicating a potential for continued performance recovery in 2026 [1]

Group 1 - The majority of Chinese bank stocks have risen, with notable increases in shares such as Zhongyuan Bank up 4.55% to HKD 0.345, and Chongqing Rural Commercial Bank up 4.35% to HKD 6 [1] - The Central Political Bureau meeting has set the tone for the "14th Five-Year Plan," maintaining a macro policy direction of stability and proactive measures, which is favorable for bank operations and transformation [1] - Passive capital outflows are continuing to recede, with expectations for the banking sector's net profit growth rate to recover steadily by 2025, highlighting a low valuation window for bank investments [1] Group 2 - Huatai Securities notes that the difficulty in repairing market risk premiums has increased, with ongoing uncertainties in overseas markets, yet high dividends still hold certain allocation value [1] - In Q4 2025, commercial banks are expected to see improved profit growth, with net interest margins remaining stable; preliminary performance reports from 12 banks indicate revenue and profit improvements for the majority [1] - The outlook for 2026 suggests continued performance recovery driven by stable net interest margins and contributions from wealth management income [1]

Core Viewpoint - Central to the news is the governance change at Zhongyuan Bank, with new committee members appointed amidst concerns over internal control effectiveness due to recent high-level turnover [1]. Financial Report Analysis - For the first half of 2025, Zhongyuan Bank reported a revenue decline of 3.1% year-on-year to 13.562 billion yuan, and a slight decrease in net profit attributable to shareholders by 0.8% to 2.034 billion yuan, indicating a dual decline in revenue and profit [1]. - The bank's asset quality appears stable with a non-performing loan ratio at 2.01%, but the proportion of special mention loans exceeds 11%, significantly higher than the industry average, indicating potential impairment risks concentrated in real estate and local government financing platforms [1]. - Non-interest income plummeted by over 30%, highlighting issues with business structure and weak cyclical resilience [1]. Stock Performance - Over the week from February 16 to 20, Zhongyuan Bank's stock price fell from 0.34 HKD to 0.33 HKD, a decline of 1.49%, with a low trading volume of 322,000 HKD, indicating low liquidity [2]. - Technical indicators suggest the stock price is near the lower band of the Bollinger Bands, with the MACD histogram turning negative, indicating a weak short-term trend [2]. Institutional Perspectives - Analysis from Niudao Finance indicates that Zhongyuan Bank's declining profitability, asset quality issues masked by superficial stability, and ineffective corporate governance pose systemic risks, particularly concerning exposure to real estate and hidden non-performing assets [3]. - The bank is experiencing a decline in regional market share, with increasing pressure for transformation [3].

Core Viewpoint - Zhongyuan Bank (01216) announced adjustments to its board's Strategic Development Committee to enhance corporate governance and ensure effective performance of the committee [1] Group 1: Committee Adjustments - Mr. Zhou Feng has been elected as a member of the Strategic Development Committee, effective immediately until the third board's re-election [1] - Mr. Feng Ruofan has resigned from his position on the Strategic Development Committee due to work arrangements, effective immediately [1] - Mr. Li Wenqiang has also been elected as a member of the Strategic Development Committee, effective immediately until the third board's re-election [1] Group 2: Committee Composition - The adjusted members of the Strategic Development Committee are as follows: Mr. Guo Hao (Chairman), Mr. Zhou Feng, Mr. Li Wenqiang, and Mr. Xu Yiguo [1]

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） 董事名單及其角色與職能 中原銀行股份有限公司董事（「董事」）會（「董事會」）的成員載列如下： 執行董事： 郭浩先生 （董事長） 周鋒先生 （副董事長及行長） 非執行董事： 馮若凡先生 李文強先生 張姝女士 獨立非執行董事： 徐義國先生 趙紫劍女士 王茂斌先生 潘新民先生 高平陽先生 1 董事會設有六個專門委員會。下表提供各董事會成員在該等委員會中擔任的職位。 | 委員會 | | | 關聯 | | 提名 | 消費者 | | --- | --- | --- | --- | --- | --- | --- | | | 戰略發展 | 審計 | 交易控制 | 風險管理 | 與薪酬 | 權益保護 | | 董事 | 委員會 | 委員會 | 委員會 | 委員會 | 委員會 | 委員會 | | 郭浩先生 | 主任委員 | | | | | | | 周鋒先生 | 委員 | | | | | | | 馮若凡先生 | | | | 委員 | | | | 李文強先生 | 委員 | | | | | ...