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 ...

Financial Performance - Net interest income for the six months ended June 30, 2025, was RMB 11,050.6 million, an increase of 3.2% compared to RMB 10,704.2 million in the same period last year[8]. - Total operating income decreased by 3.1% to RMB 13,562.5 million from RMB 13,992.1 million year-on-year[8]. - Net profit attributable to shareholders for the period was RMB 2,033.6 million, a slight decrease of 0.8% from RMB 2,049.5 million in the previous year[8]. - Operating income 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%[21]. - The company's net profit for the period was RMB 2.13 billion, a slight increase of RMB 10.6 million or 0.5% compared to the previous year[30]. - The company's operating income for the period was RMB 13.56 billion, a decrease of RMB 429.6 million or 3.1% compared to the previous year[30]. 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 the previous year[11]. - 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 the previous year[11]. - Total assets reached RMB 1,407.93 billion, an increase of RMB 42.73 billion, or 3.1% year-on-year[18]. - The total amount of loans and advances issued by the company as of June 30, 2025, was RMB 721.85 billion, an increase of RMB 2.20 billion, with a growth rate of 0.3%[61]. - The total amount of investment securities and other financial assets was RMB 433,779.0 million, a slight increase from RMB 428,106.1 million as of December 31, 2024[74]. Loan and Deposit Growth - Total loans (excluding accrued interest) amounted to RMB 715.02 billion, with a slight increase of RMB 0.06 billion, or 0.1%[18]. - Deposits (excluding accrued interest) totaled RMB 943.68 billion, rising by RMB 54.24 billion, or 6.1%[18]. - Corporate deposits as of June 30, 2025, amounted to RMB 348.534 billion, ranking first in market share within the province[126]. - Retail deposits reached RMB 595.141 billion, an increase of RMB 36.201 billion, representing a growth of 6.48% compared to the end of the previous year[148]. Asset Quality and Risk Management - The non-performing loan ratio improved slightly to 2.01% from 2.02% at the end of the previous year[11]. - The total amount of non-performing loans (NPLs) was RMB 14.3501 billion, a decrease of RMB 0.0108 billion, with an NPL ratio of 2.01%, down 0.01 percentage points from the previous year[95]. - The company's impairment losses for the six months ended June 30, 2025, amounted to RMB 8.071 billion, a decrease of RMB 0.25 billion year-on-year, representing a decline of 0.3%[54]. - The company maintained a prudent risk appetite and enhanced its risk management system, ensuring compliance with regulatory requirements and effectively preventing various risks[190]. - The company established a comprehensive asset quality management target plan, optimizing its asset quality assessment system to maintain control over asset quality[193]. Capital Adequacy - The capital adequacy ratio increased to 13.29%, up by 0.27% from 13.02% at the end of the previous year[11]. - 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[18]. - The bank's core Tier 1 capital adequacy ratio, Tier 1 capital adequacy ratio, and total capital adequacy ratio as of June 30, 2025, were 8.67%, 11.18%, and 13.29%, respectively, each increasing by 0.21, 0.25, and 0.27 percentage points from the end of the previous year[121]. Operational Efficiency - The bank's cost-to-income ratio improved to 29.13%, a decrease of 1.07% from 30.20% in the previous year[8]. - The average return on equity decreased to 4.73% from 4.96% year-on-year[8]. - The company's operating expenses decreased by RMB 327.1 million or 7.4% to RMB 4.07 billion, indicating improved cost management[30]. - The bank's electronic channel for corporate clients reached 318,300 customers, with an increase of 13,200 customers compared to the previous year[144]. Strategic Initiatives - The company plans to focus on expanding its market presence and enhancing its product offerings in the upcoming quarters[26]. - The bank has emphasized supporting high-quality development in key industries and projects, aligning with national and regional strategies[128]. - The bank's green finance initiatives align with national carbon neutrality goals, focusing on nine green sectors including energy transition and resource recycling[139]. - The bank's comprehensive product system was optimized to enhance customer experience and satisfaction during the reporting period[135]. Customer Engagement and Services - The number of retail customers reached 36.1508 million, an increase of 714,700 customers, marking a growth of 2.02%[150]. - The bank's mobile banking registered users reached 18.2966 million, with a net increase of 734,200 users as of June 30, 2025[169]. - The customer service center handled 2.82 million customer interactions, achieving a call connection rate of 96.51% and a customer satisfaction rate of 99.78%[172]. - The bank's financial management products served 37,992 customers, with a year-on-year increase of 32.08%[140]. Digital Transformation - The bank's digital transformation plan for 2025 was established, with 9.69 billion sales leads generated from big data use cases, resulting in a total sales amount of RMB 127.18 billion[177]. - The new generation core business system project is progressing steadily, with significant improvements in transaction response times, reducing transfer response time by 43%[178]. - The bank's cloud application system has reached a cloudization rate of 94%, with no major production responsibility incidents reported during the reporting period[182].

Group 1 - The core viewpoint of the article highlights the rapid growth and international expansion of Tian Sheng Electric Co., Ltd., a high-tech enterprise established in 2011, which has successfully penetrated markets in 90 countries and regions, including Singapore, the UK, Africa, and Southeast Asia [3][5] - The company has achieved a significant transformation towards intelligent and green manufacturing, focusing on products such as smart switch cabinets, new energy charging piles, and power IoT systems, which are widely used in major power grid projects [5][7] - The financial support from Zhongyuan Bank's Pingdingshan branch has been crucial in facilitating Tian Sheng Electric's growth, providing comprehensive credit support of 25 million yuan and enhancing business cooperation [5][7] Group 2 - Zhongyuan Bank's Pingdingshan branch has actively engaged in supporting local innovative enterprises, aligning with the regional development strategy and focusing on key industries such as nylon new materials and high-end equipment manufacturing [7] - In 2023, the bank has issued over 800 million yuan in loans to private enterprises in key industries, including 190 million yuan in credit support for over 120 innovative private enterprises and 70 technology-based small and micro enterprises [7] - As of the second quarter of 2025, the technology loan balance of Zhongyuan Bank's Pingdingshan branch reached 5.21 billion yuan, an increase of 1.11 billion yuan since the beginning of the year, indicating a strong commitment to integrating finance with technology [7]

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.* 茲提述中原銀行股份有限公司*（「本行」）日期為2025年7月31日的2025年第一次 臨時股東大會（「2025年第一次臨時股東大會」）通函（「通函」）及通告，內容有關 （其中包括）2025年第一次臨時股東大會。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年第一次臨時股東大會已於2025年8月20日（星期三）在中 國河南省鄭州市鄭東新區金融島C3-18號中原銀行大廈實體舉行。 2025年第一次臨時股東大會由董事長郭浩先生主持。董事郭浩先生、馮若凡先 生、張姝女士、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 生出席2025年第一次臨時股東大會。2025年第一次臨時股東大會的召開程序符合 相關法律法規及本行章程的規定。 通函所載決議案已在2025年第一次臨時股東大會上提呈供股 ...

Core Insights - The article highlights the transformation of traditional food production in Henan's Jia County, specifically focusing on the automated production of the local specialty, He Le Mian, by Huang Banzhang Food Co., Ltd [1][3] - The company has developed a product matrix that includes fresh, self-heating, and instant varieties, expanding its offerings to over ten specialty food products [1][4] - The financial support from Zhongyuan Bank has been crucial for the company's growth, with a recent loan of 500,000 yuan facilitating market expansion and the development of new high-quality food products [3][4] Company Overview - Huang Banzhang Food Co., Ltd was established in 2016, driven by a demand for local flavors among customers in the restaurant business [1] - The company has successfully integrated automated production lines to standardize and package traditional He Le Mian, allowing for wider distribution [1][3] - The founder, Huang Pu Jian, emphasizes the importance of financial support from banks in enabling business growth and innovation [3][4] Financial Support and Impact - Zhongyuan Bank's Jia County branch has implemented a "thousand enterprises, ten thousand households" outreach program, visiting over 10,580 small and micro enterprises since October of the previous year [4] - The bank has streamlined its loan approval process, reducing the average approval time by over 30%, and has provided over 2.5 billion yuan in loans to small and micro enterprises [4] - The efficient service provided by the bank, including on-site assistance, has been highlighted as a significant factor in supporting local businesses like Huang Banzhang Food [3][4]

Core Viewpoint - The article highlights the 40th anniversary of the People's Bank of China managing the national treasury, emphasizing the importance of public awareness regarding treasury operations and the role of banks in this context [1] Group 1: Treasury Awareness Campaign - The Zhengzhou branch of Zhongyuan Bank has actively responded to the national treasury's notification by organizing a series of promotional activities to enhance public understanding of treasury work [1] - Various promotional methods were employed, including setting up dedicated areas in bank branches, displaying electronic screens with the anniversary theme, and conducting grassroots educational activities [1] - Bank staff provided real-life examples to illustrate the close connection between the national treasury and daily life, showcasing the treasury's significant role in supporting national fiscal revenue and expenditure, macroeconomic regulation, and ensuring public welfare [1] Group 2: Future Initiatives - The promotional activities not only allowed the public to perceive the development changes of the national treasury over the past 40 years but also reinforced the bank's responsibility as an extension of treasury services [1] - Moving forward, the Zhengzhou branch of Zhongyuan Bank plans to continue enhancing treasury knowledge dissemination and improving service channels to better fulfill the treasury's functions of serving the nation and benefiting the public [1]

Core Viewpoint - The article highlights the role of private enterprises in promoting China's modernization and high-quality development, focusing on the financial support provided by Zhongyuan Bank to small and micro enterprises in Pingdingshan [1]. Group 1: Company Overview - Huang Pu Jian, a veteran and former chef, established Huang Banzhang Food Co., Ltd. in 2016, specializing in ready-to-eat dishes like instant He Le noodles and tofu dishes, leveraging traditional recipes and modern food processing technology [3][4]. - The company has successfully launched over ten varieties of ready-to-eat products, achieving annual sales exceeding 20 million yuan, with products available in over 1,100 supermarkets across Henan province [3][5]. Group 2: Financial Support and Growth - Zhongyuan Bank's Pingdingshan branch has intensified its financial support for private enterprises, successfully providing over 2.5 billion yuan in loans to small and micro enterprises since October of the previous year [5]. - The bank's efficient service includes a specialized loan product, "Shangyi Loan Plus," which facilitated a 500,000 yuan loan for Huang Banzhang Food Co., Ltd. within five working days, significantly aiding the company's operations [4][5]. Group 3: Market Expansion Plans - Huang Pu Jian plans to expand the market for his ready-to-eat products beyond Henan, with pilot sales set for Beijing and Shenzhen, aiming for a nationwide presence [3][5]. - The company is also looking to develop health-oriented products that align with new consumer trends, emphasizing the combination of local flavors and health benefits [5].

1. Report Industry Investment Rating There is no information provided in the report regarding the industry investment rating. 2. Core Viewpoints of the Report - In recent years, the risks of small and medium - sized banks have gradually increased due to economic transformation, regional development differences, and bank risk events. The central government has emphasized the timely disposal of risks in small and medium - sized financial institutions [1][10]. - The business share and profitability of small and medium - sized banks have declined. Their asset quality has also deteriorated during the rapid expansion period, and they are now gradually digesting historical legacy issues [2][33]. - The operations of urban and rural commercial banks across the country have shown differentiation. Underdeveloped regions generally have higher asset - to - total ratios, and there are differences in asset quality, profitability, and business growth rates among different regions [3]. - The core path for resolving the risks of small and medium - sized banks is the reform of the rural credit system, and the reform process of provincial rural credit unions has accelerated significantly in recent years [4]. - In the disposal of major risk events of small and medium - sized banks, a large amount of public funds are often consumed, and the restoration of the subject's qualifications and regional credit usually takes a long time [5]. 3. Summary According to Relevant Catalogs 3.1 Small and Medium - Sized Bank Risk Resolution Background - **Macro - background**: Since 2010, with China's economic transformation, the profitability of the real economy has declined, and the default rate of small and medium - sized enterprises has increased, leading to a rise in the non - performing loan ratio of small and medium - sized banks from 2010 - 2020. After 2020, macro - factors have put pressure on the asset quality and operations of small and medium - sized banks. Regional economic development imbalances and the limited risk - control capabilities of small and medium - sized banks, along with events such as the Baoshang Bank incident in 2019, have attracted more attention to the risk resolution of small and medium - sized banks [1][10]. - **High concentration of rural commercial bank credit risks**: In 2023, rural financial institutions accounted for 95% of the 3936 banking financial institutions rated by the central bank, and high - risk rural financial institutions accounted for 96% of the total high - risk bank institutions [15]. - **Non - redemption of Tier 2 and perpetual bonds concentrated in urban and rural commercial banks**: All cases of non - redemption of Tier 2 and perpetual bonds occurred in urban and rural commercial banks, especially in small and medium - sized banks in Liaoning, Tianjin, Shandong and other places. Since 2023, the non - redemption ratio has continued to decline, which may indicate an improvement in the capital adequacy of small and medium - sized banks in recent years [17]. 3.2 Operating Conditions of Urban and Rural Commercial Banks - **Overview of the fundamentals of urban and rural commercial banks**: Before 2016, small and medium - sized banks rapidly expanded their scale, but since 2019, their market share has continued to decline. During the rapid expansion period, their asset quality deteriorated, and since 2020, they have gradually digested historical legacy issues. Their profitability has also decreased significantly, and there are differences in capital adequacy among different types of banks [28][33][35]. - **Operating conditions of urban and rural commercial banks in different regions**: The market status of urban and rural commercial banks shows a two - tiered differentiation. Underdeveloped regions and Jiangsu, Zhejiang, and Anhui have a high asset - to - total ratio, while developed regions have a low ratio. There are also differences in asset quality, profitability, and business growth rates among different regions. For example, in 2024, the asset quality of urban and rural commercial banks in the three northeastern provinces and the northwest was generally poor, while that in Jiangsu, Zhejiang, Anhui, Beijing, and Shanghai was relatively good [3][38][41]. 3.3 Progress and Plans for the Reform of Provincial Rural Credit Unions in Different Regions - **The reform of the rural credit system is the core path for resolving the risks of small and medium - sized banks**: The reform of provincial rural credit unions is an important part of risk resolution for small and medium - sized banks. Currently, there are two main reform models: the joint - bank model and the unified - legal - person model. The reform process has accelerated significantly in recent years [4][59][62]. - **Cases of rural credit system reform**: Examples include the Zhejiang Rural Commercial United Bank (joint - bank model), Liaoning Rural Commercial Bank (unified - legal - person model), and Henan Rural Commercial Bank (a combination of joint - bank and unified - legal - person models) [64][66]. 3.4 Cases of Risk Disposal of Small and Medium - Sized Banks - **Sources of funds for risk disposal of small and medium - sized banks**: The order of fund use in the financial risk disposal process is the shareholders and actual controllers of the disposed financial institution, market - based funds, the deposit insurance fund, local public resources, and the financial stability protection fund. In recent years, the deposit insurance fund has been widely used in major risk resolution of small and medium - sized banks, and as of July 2025, a total of 530 billion yuan of special bonds for risk resolution of small and medium - sized banks have been issued [69][70][72]. - **Cases of risk disposal of small and medium - sized banks**: After the risk exposure of Baoshang Bank in 2019, risks of small and medium - sized banks in various places broke out concentratedly. Taking Liaoning Rural Commercial Bank and Jinzhou Bank as examples, the causes of risks, disposal plans, and related risks are analyzed [76].

Group 1 - The Hong Kong Stock Exchange reported that on August 13, the shareholders of China Zhongyuan Bank (01216) transferred shares from Shanghai Pudong Development Bank to CITIC Securities Brokerage Hong Kong, with a transfer market value of HKD 162 million, accounting for 6.68% of the total shares [1] - China Zhongyuan Bank announced that it will distribute a final dividend of RMB 0.12 per 10 shares on August 5, 2025 [1]

Group 1 - The Hong Kong Stock Exchange reported that on August 13, the shares of China Zhongyuan Bank (01216) were transferred from Shanghai Pudong Development Bank to CITIC Securities Brokerage Hong Kong, with a transfer market value of HKD 162 million, accounting for 6.68% [1] - China Zhongyuan Bank announced that it will distribute a final dividend of RMB 0.12 per 10 shares on August 5, 2025 [1]