（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 中期報告 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 | 64 | | 董事、監事、高級管理層及僱員 | 69 | | 企業管治 | 74 | | 重大事項 | 76 | | 組織架構圖 | 81 | | 致董事會審閱報告 | 82 | | 綜合損益及其他綜合收益表 | 83 | | 綜合財務狀況表 | 85 | | 綜合權益變動表 | 87 | | 綜合現金流量表 | 89 | | 未經審計中期財務報表附註 | 91 | | 未經審計補充財務信息 | 176 | | 釋義 | 179 | 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 ...

来源：环球网 老有所养是民之关切所在。今年以来，中原银行平顶山分行积极响应中国人民银行平顶山市分行"助力 银发经济 共建安心养老"号召，以平顶山分行营业部为试点，打造全市首家养老金融示范网点，通 过"金融+服务+公益"深度融合，构建覆盖养老资金规划、健康管理、社交生活的综合服务体系，为老 年群体提供有温度、有品质的养老金融解决方案。 为让网点服务更有温度，中原银行平顶山分行营业部立足老年群体需求，对网点进行全方位适老化改 造，辐射周边5个大型居民区，形成"金融服务+生活关怀"双核心模式。 该行打造了200平方米老年活动中心，配备血压仪、助行器、便民医药箱等设备，设置无障碍通道、防 滑地板及紧急呼叫系统，全方位保障老年人安全，并通过配置坐式金融自助机、语音导航系统，提供大 字版操作界面，搭配一对一人工指导，精准破解老年人"数字鸿沟"难题。同时，联合三甲医院定期开展 免费体检、健康讲座，为老年人建立专属健康档案，实现金融需求与健康需求的精准对接。 围绕"老有所养、老有所依"目标，该营业部推出"一站式"养老金融产品体系，覆盖资金规划、保险保 障、投资增值。针对银发客群，该行推出了稳定且灵活的存款产品，充分考虑老年人 ...

得知情况后，支行工作人员一边安抚客户情绪、详细记录需求并留下联系方式，一边第一时间将情况上 报至分行运营管理部。运营管理部接到报告后迅速响应，立即组织相关人员协调商议解决方案，最终确 定了"实地核实+委托办理"的服务方案，确保在严格遵守金融业务规范、防范风险的前提下，为客户开 辟服务绿色通道。 此次上门服务并非个例，而是中原银行平顶山分行践行人性化服务的生动缩影。一直以来，该行始终坚 持在合规经营、风险防范的基础上，针对老年客户、重病客户等特殊群体的实际困难，推出"特事特 办、上门服务"等便民举措，真正做到"想客户所想，做客户所需"。 未来，中原银行平顶山分行将持续深化服务内涵、提升服务质效，让金融服务更有温度、更接地气，用 专业与用心为客户提供更优质的金融体验。（李明飞） 来源：环球网 提升客户服务质量是银行网点日常运营的核心课题。近年来，中原银行平顶山湛北路支行始终将"以客 户为中心"的服务理念深植于日常工作，从细节处发力，针对不同客群的差异化需求提供精准化服务， 用实际行动诠释优质金融服务的温度与担当。 近日，在中原银行平顶山湛北路支行，一位客户正焦急地向工作人员求助。客户家人因重病卧床住院治 疗，急需 ...

FF301 本月底法定/註冊股本總額： RMB 36,549,823,322 | 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 | 致：香港交易及結算所有限公司 公司名稱: 中原銀行股份有限公司 呈交日期: 2025年9月3日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | -- ...

Core Viewpoint - Zhongyuan Bank's 2025 interim report highlights its focus on becoming a leading urban commercial bank and enhancing its brand influence through quality financial services, achieving significant recognition in the banking sector [1][2]. Group 1: Financial Performance - As of the end of the reporting period, Zhongyuan Bank's total assets reached 1,407.93 billion yuan, an increase of 42.73 billion yuan, or 3.1% from the previous year [2]. - The total loan amount (excluding accrued interest) was 715.02 billion yuan, with a slight increase of 0.1% [2]. - The deposit balance (excluding accrued interest) was 943.68 billion yuan, reflecting an increase of 54.24 billion yuan, or 6.1% [2]. - The bank achieved an operating income of 13.563 billion yuan and a net profit of 2.129 billion yuan, with capital adequacy ratios showing improvement [2]. Group 2: Strategic Focus - Zhongyuan Bank is implementing a differentiated development strategy focusing on four key areas: government banking, industrial banking, citizen banking, and rural revitalization banking [2][3]. - The bank aims to enhance its competitive edge by deepening reforms and providing high-quality services to support the economic development of Henan province [2]. Group 3: Support for the Real Economy - Zhongyuan Bank emphasizes its role in supporting local economic development, particularly through its industrial banking initiatives [3]. - The bank has strengthened its support for technology-driven enterprises, with a technology finance loan balance of 67.58 billion yuan, including 45.30 billion yuan for technology companies [3][4]. Group 4: Support for SMEs - The bank has increased its credit supply to private and small enterprises, providing inclusive small loans totaling 47.25 billion yuan at an average interest rate of 3.64% [6]. - As of June 30, 2025, the balance of inclusive small loans was 96.82 billion yuan, with a year-on-year increase of 7.46% [6]. Group 5: Rural Revitalization - Zhongyuan Bank is committed to rural revitalization, offering products like "Industry Inclusive Loans" and "Yunong Loans" to support various agricultural stakeholders [7]. - The bank has developed 92 industry service solutions covering key agricultural sectors in Henan province, with cumulative disbursements of 4.858 billion yuan for industry inclusive loans [7][8]. Group 6: Expansion of Service Network - The bank has established 168 county-level branches, 87 town-level branches, and nearly 5,000 service points, enhancing its financial service accessibility [8]. - The mobile banking service for rural users has reached 4.1909 million users, an increase of 763,400 from the previous year [8].

Core Insights - Central China Bank reported a revenue of 13.563 billion yuan for the first half of 2025, with a net profit of 2.129 billion yuan, reflecting a growth of 0.5% [1] - The bank's net profit attributable to shareholders decreased by 0.8% year-on-year to 2.034 billion yuan [1] Financial Performance - Total assets reached 1,407.927 billion yuan, an increase of 42.730 billion yuan, representing a growth of 3.1% compared to the end of the previous year [1] - Total loans (excluding accrued interest) amounted to 715.016 billion yuan, with a slight increase of 5.61 billion yuan, or 0.1% [1] - Deposits (excluding accrued interest) stood at 943.675 billion yuan, up by 54.241 billion yuan, marking a growth of 6.1% [1] Asset Quality and Capital Adequacy - The non-performing loan ratio was 2.01%, a decrease of 0.01 percentage points from the end of the previous year [1] - The provision coverage ratio improved to 161.05%, an increase of 6.02 percentage points [1] - Core Tier 1 capital adequacy ratio, Tier 1 capital adequacy ratio, and total capital adequacy ratio were 8.67%, 11.18%, and 13.29%, respectively, with increases of 0.21, 0.25, and 0.27 percentage points compared to the end of the previous year [1]

Core Viewpoint - The article highlights the strong performance and strategic initiatives of Zhongyuan Bank in the first half of 2025, emphasizing its commitment to high-quality development and its role as a leading financial institution in Henan province [1][6]. Group 1: Financial Performance - As of June 30, 2025, Zhongyuan Bank's total assets reached 1,407.93 billion RMB, with total loans amounting to 715.02 billion RMB and deposits totaling 943.68 billion RMB [1]. - The bank's asset quality remains stable, with a capital adequacy ratio increasing to 13.29% and a non-performing loan ratio decreasing to 2.01% [2]. - Retail business has seen significant growth, with Assets Under Management (AUM) rising to 690.05 billion RMB and retail customers reaching 36.15 million [2]. Group 2: Strategic Initiatives - Zhongyuan Bank is focused on a "Four Banks" strategy, aiming to enhance its competitive edge by providing differentiated services that align with local economic development [3]. - The bank has actively engaged in project loans, with corporate loan balances reaching 419.75 billion RMB, and has participated in syndicate loans to support local governments [3]. - The bank has also developed a comprehensive service system for agricultural industries, with a total of 92 industry service plans covering key agricultural sectors in Henan province [4]. Group 3: Digital Transformation and Innovation - Zhongyuan Bank is advancing its digital transformation, with mobile banking users reaching 18.30 million and WeChat banking followers surpassing 10 million [2]. - The bank is committed to enhancing financial services through technology, including AI product upgrades and intelligent analysis tools [2]. Group 4: Future Outlook - Looking ahead, Zhongyuan Bank aims to continue its momentum towards becoming a first-class urban commercial bank, focusing on market responsiveness and service enhancement [5][7]. - The bank plans to maintain its strategic focus on serving urban residents, small and medium enterprises, and local economic development [5].

Core Viewpoint - Zhongyuan Bank (01216.HK) reported its interim results for the six months ending June 30, 2025, showing stable revenue and profit growth, alongside improvements in asset quality and capital adequacy ratios [1] Financial Performance - The bank achieved an operating income of RMB 13.563 billion [1] - Net profit reached RMB 2.129 billion, reflecting a growth of 0.5% [1] - The non-performing loan (NPL) ratio stood at 2.01%, a decrease of 0.01 percentage points from the end of the previous year [1] Asset Quality and Capital Adequacy - The provision coverage ratio improved to 161.05%, an increase of 6.02 percentage points compared to the end of the previous year [1] - Core Tier 1 capital adequacy ratio, Tier 1 capital adequacy ratio, and total capital adequacy ratio were reported at 8.67%, 11.18%, and 13.29%, respectively, with increases of 0.21, 0.25, and 0.27 percentage points from the end of the previous year [1] Total Assets and Loans - As of the reporting period, total assets amounted to RMB 1,407.927 billion, an increase of RMB 42.730 billion, or 3.1% [1] - Total loans (excluding accrued interest) reached RMB 715.016 billion, with a slight increase of RMB 5.61 billion, or 0.1% [1] - Deposit balance (excluding accrued interest) was RMB 943.675 billion, reflecting an increase of RMB 54.241 billion, or 6.1% [1]

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） 建議修訂《公司章程》及撤銷監事會 中原銀行股份有限公司*（「本行」）董事會（「董事會」）謹此宣佈，為了反映《中華 人民共和國公司法》及《香港聯合交易所有限公司證券上市規則》等法律法規的變 動，並參考借鑒同業經驗及結合本行的實際情況，本行召開了董事會會議，審議 通過其中包括有關建議修訂《中原銀行股份有限公司章程》（「《公司章程》」）、《中 原銀行股份有限公司股東大會議事規則》（「《股東大會議事規則》」）及《中原銀行股 份有限公司董事會議事規則》（「《董事會議事規則》」）的議案（「建議修訂」）。建議 修訂包括（但不限於）撤銷本行監事會。因此，建議修訂生效後，現任監事會成員 不再擔任監事及監事會相關職務。本行監事會成員均已確認與董事會並無意見分 歧，亦並無任何與本行 ...

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。 （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2025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2025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2025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。 代表董事會 中原銀行股份有限公司* 郭浩 董事長 中華人民共和國，鄭州 2025年8月28日 於本公告日期，董事會包括執行董事郭浩先生；非執行董事馮若凡先生及張姝女 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 ...