中原銀行股份有限公司章程 第一章 總則 第一條 為維護中原銀行股份有限公司（以下簡稱「本行」）、股東和債權人 的合法權益，規範本行的組織和行為，根據《中華人民共和國公司法》（以下簡稱 「《公司法》」）、《中華人民共和國商業銀行法》（以下簡稱「《商業銀行法》」）、《國 務院關於股份有限公司境外募集股份及上市的特別規定》《國務院關於調整適用在 境外上市公司召開股東大會通知期限等事項規定的批覆》《到境外上市公司章程必 備條款》《銀行保險機構公司治理準則》《香港聯合交易所有限公司證券上市規則》 （以下簡稱「《香港上市規則》」）、《中國共產黨章程》和其他有關法律法規、部門規 章、本行股票上市地證券監督管理機構的相關規定，結合本行實際情況，制訂本 行章程。 第二條 本行系依照《公司法》《商業銀行法》和其他有關規定成立的股份有限 公司形式的商業銀行。 本行經銀監覆[2014]933號《中國銀監會關於籌建中原銀行股份有限公司的批 覆》，由開封市商業銀行股份有限公司、安陽銀行股份有限公司、鶴壁銀行股份 有限公司、新鄉銀行股份有限公司、濮陽銀行股份有限公司、許昌銀行股份有限 公司、漯河銀行股份有限公司、三門峽銀行股份有限公司、南 ...

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） 關於公司住所變更獲河南金融監管局批准及修訂本行章程的公告 茲提述中原銀行股份有限公司*（「本行」）日期為2025年7月30日的公告、日期為 2025年7月31日的通函及日期為2025年8月20日的2025年第一次臨時股東大會投 票結果公告，內容有關變更本行總部住所及修訂《中原銀行股份有限公司章程》 （「本行章程」）。除文義另有所指外，本公告所用詞彙與上述披露文件所界定者具 相同涵義。 董事長 中華人民共和國，鄭州 2025年10月10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 ...

Group 1 - The core viewpoint of the articles emphasizes the proactive measures taken by Zhongyuan Bank's Luoyang branch to support small and micro enterprises through innovative financing solutions, particularly the "no-repayment renewal loan" policy [1][2] - Zhongyuan Bank successfully issued 7 million yuan in no-repayment renewal loan funds to a technology company in Luoyang, facilitating seamless financial support to address the company's financing challenges [1] - The bank has maintained a long-term cooperative relationship with the technology company since 2021, providing financial services that align with the company's operational needs [1] Group 2 - The bank's initiatives are part of a broader national policy to support the development of small and micro enterprises, integrating its growth with regional development goals [2] - Zhongyuan Bank plans to continue promoting the no-repayment renewal loan policy and enhance financial service quality to alleviate repayment pressures on small and micro enterprises [2] - The bank aims to simplify the loan renewal process and improve approval efficiency to support the stable development of small and micro enterprises [2]

FF301 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10月9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 | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 01216 | 說明 | H股 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 6,945,000,000 | RMB | | 1 | RMB | | 6,945,000,000 | | 增加 / 減少 (-) | | | 0 | | | | RMB | | 0 | | 本月底結存 | | | 6,945,000,000 | RMB | | 1 | RMB | | 6,945,000,000 | 本月底法定/註冊股本總額： RMB 36,549,823,322 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行 ...

9月28日下午，中原银行平顶山分行开展了一场主题为"以良好家风助力清廉金融"的廉政座谈会。会 上，中原银行平顶山分行的工作人员分享了自身的廉洁故事和感悟，奏响了一首首动人的"家风协奏 曲"。 "各位职工和家属用理解与支持谱写着最美的'廉旋律'，用智慧与坚守筑起了最牢固的'防腐墙'。"中原 银行平顶山分行相关负责人表示，希望每一位银行干部员工及其家属都能把家风建设作为终身课题，以 廉俭家风涵养清风正气，以合规经营守护金融安全，共同为全行高质量发展、为服务实体经济大局贡 献"家"的力量。 来源：环球网 据介绍，此次座谈会不仅是一次廉洁教育的生动实践，更是一次亲情力量的深情凝聚。与会职工和家属 纷纷表示，要将这份特别的"节礼"带回家，让清廉之花开遍每个家庭，让优良家风在亲情的浇灌下生生 不息，为平顶山分行高质量发展注入源源不断的"廉动力"。 ...

Core Viewpoint - The Central Bank of China Zhengzhou Branch is enhancing public awareness and ability to identify counterfeit currency, aiming to create a safe and harmonious cash circulation environment through various initiatives [1][2] Group 1: Public Awareness and Education - The bank is implementing a systematic approach to counterfeit currency education, utilizing multiple channels such as branch promotions, community outreach, social media, and partnerships with social institutions to raise awareness [1] - During the September anti-counterfeit currency promotion month, the bank conducted over 30 promotional activities, reaching more than 2,800 individuals [1] Group 2: Compliance and Operational Standards - The bank is strictly adhering to the regulations set by the People's Bank of China regarding currency identification and counterfeit currency management, ensuring that operational processes align with regulatory requirements and industry standards [1] - The implementation of a mechanism for monitoring counterfeit currency collection and post-event supervision has improved the standardization and accuracy of business operations [1] Group 3: Collaboration and Technology Integration - The bank is collaborating closely with law enforcement to establish a mechanism for information sharing, joint education, and coordinated response, creating a robust network for public participation in counterfeit currency prevention [2] - Investment in equipment has been increased, with all branches equipped with networked currency sorting machines to enhance the convenience of currency identification [2] - The bank is leveraging data mining platforms and artificial intelligence technologies to improve the efficiency of anti-counterfeit currency efforts through real-time data integration [2] Group 4: Future Initiatives - The bank plans to continue its commitment to public service by deepening its anti-counterfeit currency work through ongoing education, intelligent risk prevention, and broad public engagement [2]

Core Viewpoint - The Henan Provincial Government has issued a financial service implementation plan aimed at enhancing financial support for key economic areas, focusing on high-quality financial development to support the "Two Highs and Four Efforts" strategy [1][3]. Group 1: Financial Service Implementation Plan - The plan includes 20 measures to deepen financial services for the manufacturing sector and other key areas, aiming to optimize the financial ecosystem and improve service capabilities [1]. - The overall goal is to ensure effective financial resource allocation, enhance the efficiency of financial services, and prevent financial risks while building a modern financial system [1]. - By 2025, the plan targets an increase of 1 trillion yuan in social financing and over 300 billion yuan in credit bond issuance [1]. Group 2: Support for the Real Economy - The financial system in Henan has actively supported the development of the real economy by providing convenient and efficient financial services [2]. - Zhongyuan Bank has focused on integrating with industrial chains, extending services from individual clients to entire industry chains, and enhancing investment attraction to empower industrial development [2]. - CITIC Bank's Zhengzhou branch has established a comprehensive service system for rural revitalization, with agricultural loans reaching 35.6 billion yuan, leading among regional joint-stock banks [2]. Group 3: Strategic Alignment and Impact - The plan aligns with broader strategic initiatives such as the rapid rise of central regions and ecological protection in the Yellow River basin, serving as a key layout for addressing structural challenges in the economy [3]. - The innovative mechanisms and targeted strategies outlined in the plan are expected to have significant demonstration value, with attention on the effectiveness of implementation and experience sharing [3].

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） ...

Group 1 - The core idea of the article is the innovative practice of financial support for rural revitalization through a financial knowledge event organized by Zhongyuan Bank in collaboration with local financial institutions and government agencies [1][3] - The event aimed to bring financial knowledge and beneficial policies directly to the villagers, enhancing their understanding of fraud prevention and financial literacy [3] - Activities included interactive games that engaged villagers, allowing them to learn about financial knowledge in a fun and approachable manner [3] Group 2 - The event successfully attracted over 800 consultations from the public and distributed more than 3,000 promotional materials, addressing over 50 practical issues [3] - Moving forward, Zhongyuan Bank plans to deepen collaboration with government departments and regulatory agencies to continue innovating methods for financial knowledge dissemination [5]

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]