为深入贯彻落实金融知识普及工作，提高社会公众金融素养，9月17日，中原银行平顶山分行联合平顶 山市湛河区政府，深入河南理工大学平煤工程技术学院周边区域，开展"2025年金融教育宣传周"专项宣 传活动。 来源：环球网 此次活动聚焦重点对象精准宣传。针对在校大学生，通过案例讲解校园贷、电信诈骗危害，普及征信知 识，引导树立理性消费观；针对校园周边商户，重点讲解存款保险、支付结算安全及反洗钱知识，警 惕"刷单返利""虚假订单"等诈骗手段，守护经营资金安全；针对村镇居民，工作人员主动入户送风险提 示上门，结合日常场景讲解电信诈骗、非法集资常见套路，手把手教居民辨别虚假信息，提醒保护好个 人银行卡与身份信息。 据介绍，此次活动进一步提高了在校大学生和乡镇老年人群体的金融风险防范意识，有效提升了公众金 融素养，为营造安全、和谐的金融环境贡献了力量。未来，中原银行平顶山分行将持续开展多样化的金 融知识普及活动，将金融服务送到更多群众身边，切实守护好百姓的"钱袋子"。（庞雯君 商星晨） ...

来源：环球网 下一步，中原银行郑州分行将继续深化与政府部门、监管机构的联动协作，持续创新金融知识普及方式 方法，让金融"活水"滋润中原沃土，为乡村振兴贡献更多金融力量。 活动现场，"丢沙包 护钱包""金转盘""反诈套圈""护银龄 学本领"等游戏区域排起了长队，村民们热情 高涨，在欢声笑语中轻松掌握了金融知识。 同时，河南省农业农村厅、郑州市反诈中心还特别开设了"惠农利农金融课堂"，用简单易懂的语言、诙 谐幽默案例，耐心讲解最新惠农政策，帮助老百姓认识、辨别诈骗手法，提高村民风险防范意识。 据统计，此次活动共接待群众咨询800余人次，发放宣传资料3000余份，解决实际问题50余个。 9月15日下午，在国家金融监督管理总局河南监管分局、河南省农业农村厅、河南省公安厅、河南省银 行业协会的指导下，中原银行郑州分行携手省内其他金融机构，共同为郑州市惠济区西黄刘村村民们准 备了一场"金融知识盛宴"。 据介绍，此次活动是金融助力乡村振兴的创新实践。活动通过送知识下乡，让金融知识、惠民政策走进 千家万户。工作人员耐心细致地向村民详细讲解防骗知识，通过政银合作联合开展宣传，以"政警银保 搭档"的模式让惠农政策、金融知识、防非 ...

Financial Performance - Net interest income for the first half of 2025 was RMB 11,050.6 million, an increase of 3.2% compared to RMB 10,704.2 million in the same period of 2024[6] - Total operating income decreased by 3.1% to RMB 13,562.5 million from RMB 13,992.1 million year-on-year[6] - Net profit attributable to shareholders of the bank was RMB 2,033.6 million, a slight decrease of 0.8% from RMB 2,049.5 million in the previous year[6] - Operating income for the period was RMB 13.563 billion, while net profit was RMB 2.129 billion, reflecting a year-on-year increase of RMB 0.11 billion, or 0.5%[19] - Non-interest income for the six months ended June 30, 2025, was RMB 1.237 billion, a decrease of RMB 0.041 billion or 3.2% year-on-year, primarily due to declines in commitment and guarantee fees, as well as advisory and consulting fees[45] Asset and Liability Management - The bank's total assets increased by 3.1% to RMB 1,407,926.5 million compared to RMB 1,365,197.0 million at the end of 2024[9] - The bank's total liabilities increased by 3.3% to RMB 1,307,147.9 million from RMB 1,264,813.7 million at the end of 2024[9] - The company's total assets reached RMB 1,407.93 billion, an increase of RMB 42.73 billion, or 3.1% compared to the previous year[16] - The bank's total deposits reached RMB 923.604 billion, with an average interest rate of 1.83%, down from 2.16% in the previous year[41] - The balance of cash and deposits with the central bank as of June 30, 2025, was RMB 603.18 billion, a decrease of RMB 55.10 billion, or 8.4% from the end of the previous year[74] Loan and Deposit Growth - Total loans (excluding accrued interest) amounted to RMB 715.02 billion, with a slight increase of RMB 0.56 billion, or 0.1%[16] - Total deposits (excluding accrued interest) were RMB 943.68 billion, increasing by RMB 54.24 billion, or 6.1%[16] - As of June 30, 2025, the total amount of loans and advances issued by the company was RMB 721.85 billion, an increase of RMB 2.20 billion or 0.3% compared to the end of the previous year[59] - Corporate loans amounted to RMB 419.75 billion, increasing by RMB 9.92 billion or 2.4% year-on-year, reflecting the company's ongoing support for the real economy[62] - Personal loans reached RMB 273.49 billion, up by RMB 8.11 billion or 3.1%, driven by increased support for social consumption[67] Non-Performing Loans and Asset Quality - The non-performing loan ratio improved slightly to 2.01% from 2.02% at the end of 2024[9] - The non-performing loan amount as of June 30, 2025, was RMB 14.35 billion, a decrease of RMB 0.11 billion, with a non-performing loan ratio of 2.01%, down by 0.01 percentage points from the end of the previous year[93] - The normal loan category accounted for 94.49% of total loans, while the substandard, doubtful, and loss categories represented 0.45%, 0.15%, and 1.41% respectively[95] - The highest NPL ratios by industry were in the accommodation and catering industry (5.53%), real estate (5.03%), and agriculture (4.67%) as of June 30, 2025[103] - The bank's asset quality management targets are comprehensive and cover all aspects, maintaining a strong focus on asset quality control[191] Capital Adequacy and Risk Management - The capital adequacy ratio increased to 13.29%, up by 0.27% from 13.02% at the end of 2024[9] - The bank's core tier 1 capital adequacy ratio was 8.67%, an increase of 0.21 percentage points compared to the end of the previous year[119] - The bank's risk management strategy remains stable, with all large risk exposure indicators meeting regulatory requirements, ensuring credit risk is controllable[193] - The bank has strengthened asset-liability management to maintain appropriate levels of maturity mismatch between assets and liabilities[200] - Continuous enhancement of liquidity asset reserves ensures sufficient daily financing and risk mitigation under stress conditions[200] Digital Transformation and Technological Advancements - The company aims to enhance its competitive edge through digital transformation and by strengthening its service capabilities in support of the local economy[16] - The new generation core business system project is progressing steadily, enhancing the company's technological capabilities and operational efficiency[176] - The bank's cloud application system has achieved a cloudization rate of 94%[180] - The bank's intelligent credit assistant added over 700 new users and generated more than 2,400 reports[181] - The bank's AI product iterations have led to a total of 101,000 dialogue rounds, with an average of over 7,000 active users per month[181] Customer Engagement and Service Expansion - The total number of corporate clients reached 489,200, with 27,100 new accounts opened during the reporting period, of which 12,800 were first-time qualifying accounts, accounting for 47.23%[127] - The number of retail customers reached 36.1508 million, an increase of 714,700 customers or 2.02% from the end of the previous year[148] - The bank's cash management services have expanded to serve 37,992 clients, an increase of 9,228 clients or 32.08% compared to the end of the previous year[138] - The bank's discount business added over 260 new clients, effectively meeting the financing needs of enterprises[155] - The bank's village and town banks provided various financial products and services to local small and micro enterprises and retail banking customers during the reporting period[185]

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]