Core Viewpoint - The recent regulatory measures in Henan province aim to standardize auto consumer finance practices, capping the actual customer interest rate at no more than double the current one-year Loan Prime Rate (LPR), effectively addressing high commission issues and shifting the market focus from price wars to value competition [1][2][4]. Group 1: Regulatory Changes - Several banks in Henan, including Everbright Bank and Agricultural Commercial Bank of Henan, have announced new regulations to control financing costs for car buyers, setting the annualized interest rate cap at 6% and credit card installment fees at a maximum of 16% [2]. - The new regulations also prohibit auto dealers from coercing customers into high-commission financial products and aim to stabilize the auto consumer finance market in Henan [2][3]. Group 2: Market Dynamics - The previous high-interest, high-rebate model involved banks offering substantial commissions to auto dealers to boost market share, which led to unsustainable practices and risks for banks due to early loan repayments [3][4]. - The shift away from high-interest models is driven by narrowing interest margins for banks, prompting a need for strategic adjustments towards value-based competition, focusing on product design and service enhancement [4][5]. Group 3: Strategic Adjustments - Banks are beginning to adapt their auto finance strategies, with institutions like Ping An Bank enhancing their product offerings to meet comprehensive auto finance needs, including a focus on new energy vehicle loans and improved online loan processes [5].

FF301 第 1 頁 共 10 頁 v 1.1.1 | 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 | | 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 | | | --- | --- | --- | --- | --- | --- | -- ...

Core Viewpoint - Zhongyuan Bank has been rated "AAA" for its second-tier capital bonds, indicating a strong financial position and competitive advantage within Henan Province [1] Group 1: Market Position and Competitive Advantage - Zhongyuan Bank maintains a high market position and strong competitive advantage as a provincial bank in Henan [1] - The bank's strategic position as a provincial financial institution is solid [1] Group 2: Management and Development - The bank has established a comprehensive corporate governance structure and has optimized its internal control and risk management systems [1] Group 3: Business Operations - Zhongyuan Bank leverages its geographical advantages for business expansion, with both deposit and loan business scales showing growth [1] - However, overall business growth is somewhat slow due to increasing competition from peers [1] Group 4: Financial Performance - The bank's non-performing loan ratio remains stable, and its provision coverage ratio meets regulatory requirements [1] - There is a presence of risk assets within investment assets, indicating a need for increased impairment provisioning [1] - Deposit stability has improved, and liquidity management pressure is manageable [1] - Net interest margin has narrowed, and the need for impairment provisioning has put pressure on profitability, with core capital facing replenishment challenges [1] Group 5: Regional Economic Context - Henan Province ranks high in national GDP, with strong local government financial strength and support capabilities, which can provide substantial backing to Zhongyuan Bank when necessary [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） 將於2025年8月20日舉行之 2025年第一次臨時股東大會或其任何續會適用的代表委任表格 本代表委任表格相關的股份數目 （附註1） 內資股 H股 本人╱吾等 （附註2） 地址為 為中原銀行股份有限公司（「本行」） 股內資股（「內資股」）╱H股（「H股」） （附註3 （每股面值人民幣 ） 1.00元）之持有人， 茲委任大會主席或 （附註4） 地址為 作為本人╱吾等受委代表並代表本人╱吾等出席本行將於2025年8月20日（星期三）下午三時正於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之2025年第一次臨時股東大會（「2025年第一次臨時股東大會」）（或其任何續會），並按下文所指示 於該大會上就日期為2025年7月31日（星期四）的2025年第一次臨時股東大會通告所載決議案投票，或倘無作出指示，則作為本人╱ 吾等的受委代表酌情投票。 普通決議案 贊成 （附註5） 反對 （附註5） 棄權 （附註5） 1. 審議並批准關於變更本行總部住所的議案；及 特 ...

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通告的內容概不負責，對其準確性或完整性亦 不發表任何聲明，並明確表示，概不對因本通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） 2025年第一次臨時股東大會通告 茲通告中原銀行股份有限公司（「本行」）2025年第一次臨時股東大會（「2025年第 一次臨時股東大會」）謹定於2025年8月20日（星期三）下午三時正假座中國河南省鄭州 市鄭東新區金融島C3-18號中原銀行大廈實體舉行，以供審議並酌情通過下列決議案： 普通決議案 1. 審議並批准關於變更本行總部住所的議案；及 代表董事會 中原銀行股份有限公司* 郭浩 董事長 中國鄭州市 2025年7月31日 於本通告日期，本行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香港銀行業條例（香港法例第155章）之認可機構，不受 ...

閣下如已出售或轉讓名下的全部中原銀行股份有限公司*股份，應立即將本通函連同代表委任表格送交買 主或承讓人，或經手買賣或轉讓的銀行、股票經紀或其他代理人，以便轉交買主或承讓人。 此乃要件 請即處理 閣下如對本通函任何方面或需採取的行動有任何疑問，應諮詢 閣下的股票經紀或其他註冊證券商、銀行 經理、律師、專業會計師或其他專業顧問。 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通函的內容概不負責，對其準確性或完整性亦 不發表任何聲明，並明確表示，概不對因本通函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） 變更本行總部住所、 修訂《中原銀行股份有限公司章程》 及 2025年第一次臨時股東大會通告 董事會函件載於本通函第3頁至第7頁。 本行將於2025年8月20日（星期三）下午三時正假座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。2025年第一次臨時股東大會通告載於本通函第EGM-1頁至第 ...

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） 建議變更總部住所 建議修訂《公司章程》 建議變更總部住所 中原銀行股份有限公司（「本行」）董事會（「董事會」）建議將本行總部辦公地址變 更為中華人民共和國河南省鄭州市鄭東新區金融島中原銀行大廈，註冊地址及本 行住所由中華人民共和國河南省鄭州市鄭東新區CBD商務外環路23號中科金座大 廈變更為中華人民共和國河南省鄭州市鄭東新區金融島C3-18號中原銀行大廈， 最終以市場監督管理部門核准登記為準（「建議變更總部住所」）。 建議修訂《公司章程》 董事會建議對《中原銀行股份有限公司章程》（「《公司章程》」）作出修訂以反映上述 建議變更總部住所（「建議修訂《公司章程》」），具體修訂內容如下： | 《公司章程》原條款 | 《公司章程》修改後的條款 | | --- | -- ...

Core Viewpoint - Recent actions by multiple banks to clean up "sleeping bank cards" aim to enhance account management and reduce financial risks associated with dormant accounts [1][4][5] Group 1: Bank Actions - Several banks, including Zhongyuan Bank and Shunde Rural Commercial Bank, have announced initiatives to clean up long-unused personal bank accounts, starting from September 1, 2023 [1][3] - Shunde Rural Commercial Bank plans to gradually close accounts identified as inactive by August 1, 2025, which will be permanently unusable after closure [3] - Hubei Bank has also conducted a cleanup of long-dormant accounts from May 29 to June 29, 2023, with plans for annual reviews of eligible accounts [3] Group 2: Definition and Criteria - "Sleeping accounts" are defined as those that have not had any active transactions for five years or more, although banks may have varying criteria for identifying such accounts [3][4] - Zhongyuan Bank's criteria for cleaning include accounts that have not had any transactions for two years or more and have a balance of 10 RMB or less [3] - Hubei Bank's criteria specify accounts that have not had any transactions for three years or more and have a zero balance [3] Group 3: Regulatory and Security Implications - The National Financial Regulatory Administration has initiated a special project to remind banks about "sleeping accounts," leading to a broader cleanup effort across over 50 banks [4] - The cleanup is intended to enhance customer fund security and improve banks' account management, thereby reducing financial risks [4][5] - Cleaning up dormant accounts is also seen as a measure to prevent fraud, as unused accounts can be exploited for illicit activities [5]

Core Viewpoint - Zhongyuan Bank's Xinmi Branch actively responds to national strategies by integrating financial services into rural revitalization, emphasizing the importance of industrial revitalization as a key component of rural development [1][2]. Group 1: Financial Support for Agriculture - The bank promotes products like "Inclusive Industry Loans" to provide comprehensive credit support for farmers and enterprises involved in agricultural production, processing, and sales [1]. - In response to a local flour factory's funding needs, the bank customized a financing plan and issued a loan of 1 million yuan, enabling the factory to store grain and stabilize raw material supply for local farmers [1]. - The bank collaborates closely with local governments, enterprises, and farmers to create a strong synergy for advancing rural revitalization projects [1]. Group 2: Innovative Collaboration Models - The bank explores new models of industrial integration by partnering with agricultural leading enterprises to enhance farmers' income through initiatives like "Company + Farmer" and "Company + Cooperative + Farmer" [2]. - When a local vegetable planting company faced challenges with unsold celery, the bank organized promotional activities and live-streamed harvesting events, successfully selling all the produce [2]. - The bank maintains close contact with farmers to provide personalized financial solutions and conducts financial literacy programs to enhance farmers' financial awareness and asset management [2]. Group 3: Community Engagement and Awareness - The bank actively participates in anti-fraud campaigns and community activities, conducting over 110 public awareness events to educate villagers on fraud prevention techniques [2]. - The bank leverages its inclusive financial service points to engage with the community and promote financial knowledge [2]. Group 4: Future Commitment - The bank plans to continue its commitment to rural revitalization by innovating financial service models and increasing financial support [3].

Core Viewpoint - Zhongyuan Bank is focusing on building a financial ecosystem for the entire grain industry chain, supporting various stakeholders in agriculture to promote modernization and standardization in the sector [1] Group 1: Financial Products and Support - Zhongyuan Bank has launched the "Rural Revitalization Industry Inclusive Loan," providing credit support of up to 10 million yuan, with a cumulative investment of 8.05 billion yuan in various agricultural sectors [2] - The bank has introduced specialized financial solutions for grain storage and trade, addressing urgent funding needs for grain storage enterprises [2][3] - The bank's grain storage loan balance has reached 9.14 billion yuan, with 5.11 billion yuan disbursed this year [4] Group 2: Collaboration and Innovation - Zhongyuan Bank collaborates closely with Henan Agricultural Guarantee Company to enhance business approval efficiency through a direct data connection [1] - The bank has established a special task force for grain storage, conducting on-site research to understand the financial needs of local grain storage enterprises [2] - The introduction of the "优粮优信" (Quality Grain, Quality Credit) model and the "Grain Storage - Taiyi Platform" aims to provide tailored services for state-owned and small to medium-sized grain enterprises [2][3] Group 3: Market Impact and Agricultural Development - The bank's initiatives are contributing to the modernization of agriculture in Henan, enhancing the quality and efficiency of grain supply and processing [4] - The successful implementation of these financial products is expected to create a vibrant agricultural landscape, promoting prosperity for farmers and beautifying rural areas [4]