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） 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。 公告 調整董事會戰略發展委員會委員；及 截至2023年12月31日止年度及 截至2024年12月31日止年度之年度報告之補充資料 調整董事會戰略發展委員會委員 中原銀行股份有限公司*（「本行」）董事會（「董事會」）宣佈，為進一步完善公司治 理結構，保障董事會專門委員會履職效能，根據《中華人民共和國公司法》《銀行 保險機構公司治理準則》等法律法規及《中原銀行股份有限公司章程》相關規定， 結合本行經營管理實際需要，董事會決議批准調整董事會戰略發展委員會委員構 成。 委員增補 周鋒先生獲選為董事會戰略發展委員會委員，自本公告之日起生效，至第三屆董 事會換屆時止。 委員更換 因工作安排原因，馮若凡先生申請辭去董事會戰略發展委員會委員職務，自本公 告之日起生效。李文強先 ...

Group 1 - In January, the A-share market saw increased trading activity and risk appetite, with all three major indices achieving gains, notably the Shanghai Composite Index rising by 3.76% and the CSI 500 Index increasing by 12.12% [1] - The rise in cyclical industries such as precious metals, non-ferrous metals, chemicals, and oil and gas was driven by multiple factors including complex international dynamics, a weakening US dollar, and domestic industrial policy support, although there was significant volatility at the end of the month [1] - The technology sector, particularly AI applications, is expected to enter a critical validation window as large model technologies mature, with strong demand for computing power and investments in AI hardware like storage chips and semiconductor equipment [1] Group 2 - As of January 2026, the total number of bank wealth management products in the market reached 46,845, an increase of 553 from December 2025, with fixed-income products making up the majority at 43,215 [2] - In January, 2,969 new wealth management products were launched, a decrease of 305 from the previous month, with wealth management subsidiaries of banks accounting for 76.56% of the new issuances [2] - The overall risk level of wealth management products in January increased significantly, with 51 products rated as medium risk and 4 additional products rated as medium-high risk compared to the previous month [12] Group 3 - The asset allocation of wealth management products in January showed a high proportion of bonds and public funds, with a focus on cash, bank deposits, and short-term bond ETFs for liquidity and low risk [17] - Mixed wealth management products had diverse asset allocations, covering debt, convertible bonds, equity assets, and gold, with many products cautiously investing in gold ETFs to capture commodity investment opportunities [18] - The top five institutions accounted for 43.81% of the products listed, indicating a competitive advantage for state-owned and joint-stock bank wealth management subsidiaries [14]

Core Viewpoint - Zhongyuan Bank is undergoing significant changes in its equity structure, management, business transformation, and risk management to address current challenges and optimize its operations [1] Equity Structure - Luoyang Guosheng Investment Holding Group has acquired shares to become the second-largest shareholder of Zhongyuan Bank, taking over 1.362 billion shares (3.73% ownership) from the original second-largest shareholder, Luoyang Municipal Finance Bureau [3] Management Changes - Zhou Feng has officially assumed the role of president of Zhongyuan Bank, with regulatory approval received in December 2025, marking a key variable in the bank's response to current challenges and its transformation efforts [2] Business Development - From 2025 to early 2026, Zhongyuan Bank has actively reduced non-performing loans by selling personal loan asset packages at discounted prices and has been approved to absorb and merge five village banks to optimize its asset structure and expand into county markets [4] Regulatory Environment - In 2025, the bank faced a fine of 3.75 million yuan due to issues in its loan business, highlighting internal control challenges. As of mid-2025, the non-performing loan ratio stood at 2.01%, above the industry average, with concentrated risks in real estate and hospitality sectors [5] Strategic Initiatives - In 2026, Zhongyuan Bank plans to intensify efforts in disposing of non-performing assets and adjust its business structure to reduce reliance on high-risk industries while increasing investments in advanced manufacturing and inclusive finance to balance scale and quality [6]

Core Viewpoint - The Central Bank of Pingdingshan is actively involved in rural revitalization and poverty alleviation efforts, receiving recognition for its contributions to the community and enhancing local infrastructure and agricultural productivity [3][4]. Group 1: Community Engagement - The Central Bank of Pingdingshan's work team has been recognized for its significant contributions to poverty alleviation and rural revitalization in the village of Dianli, establishing a strong foundation for these initiatives [3]. - The work team has actively engaged with local residents, addressing their concerns and challenges, thereby building deep relationships within the community [3][4]. Group 2: Infrastructure and Economic Development - The work team has leveraged the bank's financial expertise to develop industry pathways tailored to the village's needs, facilitating access to financial resources for local farmers [3]. - Improvements in local infrastructure, such as road construction, have been made to enhance transportation for agricultural products, contributing to the growth of local industries and increasing residents' incomes [3]. Group 3: Environmental and Social Responsibility - The work team has taken proactive measures in drought management by coordinating water resources and repairing irrigation systems to ensure stable crop yields during dry seasons [4]. - Efforts have been made to prevent straw burning through community education and patrols, demonstrating a commitment to environmental protection [4]. Group 4: Future Plans - The Central Bank of Pingdingshan plans to deepen its collaboration with Zhaolin Town, exploring more financial service models to support rural revitalization and achieve goals of agricultural strength, beautiful rural areas, and prosperous farmers [5].

Group 1 - The core point of the article is that Zhongyuan Bank Co., Ltd. has applied for a patent related to a method for configuring business application conditions, which aims to enhance the flexibility in determining whether the information of a target object meets business application requirements [1]. Group 2 - Zhongyuan Bank Co., Ltd. was established in 2014 and is located in Zhengzhou, primarily engaged in monetary financial services. The company has a registered capital of 2,007,500,000 RMB [2]. - The bank has made investments in 16 enterprises and participated in 4,029 bidding projects. It holds 384 trademark information records and 61 patent information records, along with 132 administrative licenses [2].

Core Viewpoint - Recent announcements from multiple banks indicate a trend of lowering fees for wealth management products, driven by market competition and customer demand in the context of "deposit migration" [1][5][12] Fee Reductions - As of February 10, 2023, China Merchants Bank announced six fee reduction notices for its wealth management products, with over 1,300 related announcements in the past month [1][8] - Bank of China Wealth Management has issued numerous fee reduction announcements this year, affecting various fee types including fixed management fees and sales service fees [1][8] - Specific examples include a reduction in fixed management fees from 0.15% to 0.10% (annualized) and sales service fees from 0.30% to 0.10% for a specific institutional product [3][10] - China Merchants Bank's 90-day fixed income product saw its management fee drop from 0.15% to 0.01% (annualized) during a promotional period [3][10] - Some institutions have introduced products with zero management and sales service fees, such as the "Stable Growth" series from Zhongyuan Bank [3][10] Product Types and Risk Levels - The current fee reductions encompass a range of products including cash management, fixed income, and enhanced fixed income products, primarily classified as R1 and R2 risk levels [4][11] - The products available include short-term, medium-term, and no fixed-term options, catering to various investor preferences [4][11] Market Dynamics - The rapid development of the bank wealth management market has led to 43,900 existing products with a total scale of 32.13 trillion yuan, with wealth management company products accounting for 91.13% of this scale [5][12] - The low interest rate environment has pushed bank deposit rates into the "1" or even "0" range, prompting a shift of resident funds towards higher-yielding wealth management products [5][12] Long-term Viability of Low Fees - Industry insiders express concerns that excessively low fees may not be sustainable in the long run, emphasizing the need for wealth management companies to provide stable and satisfactory returns to attract deposits [6][12] - Regulatory scrutiny has intensified, leading to stricter management practices and the cessation of non-compliant operations within wealth management firms [6][13] - The current market environment necessitates a focus on creating products that balance risk and return, with an emphasis on multi-asset and multi-strategy approaches to meet customer needs [6][14]

Core Viewpoint - Zhongyuan Bank Pingdingshan Branch has established a financial grid volunteer service team to enhance community financial services and ensure the safety of residents' finances through professional financial capabilities and volunteer efforts [1][3] Group 1: Service Structure - The financial grid volunteer service team consists of core employees focused on four main tasks: financial knowledge dissemination, anti-fraud promotion, convenient financial services, and assistance for special groups [3] - The team conducts regular on-site services, home visits, and financial topic presentations to provide diverse activities for community residents [3] Group 2: Community Engagement - Volunteers provide face-to-face training for the elderly on operating smart devices and offer hands-on guidance to merchants on payment and settlement knowledge [3] - The initiative aims to break down common telecom and internet fraud tactics for community residents, making financial services more accessible and warm [3] Group 3: Future Plans - Zhongyuan Bank Pingdingshan Branch plans to continue using the grid as a service platform and volunteers as a connection to deliver financial policies, safety knowledge, and convenient services directly to residents [3] - The bank aims to build a "bridge of hearts" between the bank and the community, contributing to a safe, convenient, and warm community financial ecosystem [3]

Core Insights - Ping An Health Insurance, in collaboration with Peking University Health Group, launched the "Health Kitchen" initiative and "Forever Together" health membership card, aiming to integrate health insurance with medical services and enhance family health management [1][5]. Group 1: Health Kitchen Initiative - The initiative addresses the nutritional crisis in society, emphasizing the need for improved dietary habits to combat obesity and chronic diseases [2]. - A set of health nutrition standards tailored for Chinese family kitchens was introduced, focusing on nutrition, safety, processing, and cooking methods [2]. - The standards provide specific dietary guidelines for different demographics, including the elderly, children, and individuals with chronic conditions, ensuring a comprehensive approach to family nutrition [2]. Group 2: Health Kitchen Mall - A "Health Kitchen" mall was launched, featuring over 80 safe, additive-free, and traceable health food products, making healthy eating more accessible [3]. - This initiative aims to translate professional health concepts into practical products, thereby preemptively addressing health risks at the dining table [3]. Group 3: "Forever Together" Membership Card - The "Forever Together" health membership card offers nine service benefits across health eating, active living, and quality medical services, creating a comprehensive health protection system [4]. - Members receive personalized health plans, discounts on health kitchen products, and incentives for achieving health goals, promoting a positive cycle of health habits [4]. Group 4: Strategic Advancement - The launch of the health standards and membership card signifies a strategic advancement in health management services for Ping An Health Insurance [5]. - By 2025, the company plans to upgrade its "Ping An Happy Health" service system, focusing on active living, quality medical care, digital healing, and long-term protection [5]. - The company aims to enhance preventive health management and establish itself as a leading medical health management company in China [5].

Group 1 - The event "Leap Horse and Raise Whip: Rong Yao Eagle City" was held by the Pingdingshan Branch of Zhongyuan Bank, gathering over 400 participants to celebrate the New Year and discuss future prospects [1][3] - Zhang Zhihua, a member of the Party Committee and Secretary of the Discipline Inspection Commission of the Pingdingshan Branch, acknowledged the branch's achievements in 2025, focusing on the "Four Banks" strategy, and expressed gratitude to employees and the community for their support [3] - The evening's theme was "Striving, United, Dream-Chasing," featuring performances by branch employees and strategic partners, showcasing the spirit of Zhongyuan Bank [3][5] Group 2 - The performances included a music quick board titled "Eagle City Dream, Zhongyuan Shining," and skits depicting daily work, emphasizing customer service and social contribution [5] - The event also featured a lottery segment, providing New Year gifts to lucky attendees, reflecting the cultural development of Zhongyuan Bank's Pingdingshan Branch [5] - In 2026, the bank aims to innovate with a "thousand horses galloping" momentum and a "horse treading on the clouds" spirit, committing to local economic development in Pingdingshan [5]

FF301 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 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 | 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 | | I. 法定/註冊股本變動 | | | | | | | | --- | --- | --- | --- | --- | --- ...