Core Insights - The article discusses the ongoing reform and risk mitigation efforts in small and medium-sized banks, particularly focusing on the recent acquisition of three village banks by Zhongyuan Bank, which will convert them into branch institutions [1][2]. Group 1: Acquisition Details - Zhongyuan Bank plans to acquire Puyang Zhongyuan Village Bank, Mengjin Minfeng Village Bank, and Luan County Minfeng Village Bank for a total consideration of 782 million yuan [1][2]. - The acquisition involves purchasing shares from other shareholders, with specific share prices set at 1.33 yuan, 2.99 yuan, and 4.25 yuan per share for the respective banks [2]. Group 2: Structural Changes in Village Banks - The restructuring of village banks is accelerating, with 98 village banks exiting the market in the first half of 2025 [1][4]. - The "village-to-branch" reform is seen as a way to enhance service capabilities and risk resistance of village banks, allowing for more efficient reform and risk mitigation [3][4]. Group 3: Industry Trends - The number of village banks is decreasing, with 1,440 banks remaining as of June 2025, down from 1,538 at the end of 2024 [4]. - Major banks, including city commercial banks and rural commercial banks, are leading the "village-to-branch" initiative, with state-owned banks also participating for the first time [4]. Group 4: Future Outlook - Experts predict that the pace of structural reorganization among village banks will accelerate, with a focus on returning to core functions and mitigating risks [5]. - There is a call for guiding opinions to help village banks focus on serving rural revitalization and small enterprises [5][6].

Core Viewpoint - Zhongyuan Bank is undergoing a leadership change with the appointment of Zhou Feng as the new president, following the resignation of Liu Kai due to work adjustments. Zhou's qualifications are pending approval from the Henan Financial Regulatory Bureau [2][3]. Leadership Change - On October 17, Zhongyuan Bank announced the resignation of Liu Kai as president, with Zhou Feng appointed as his successor. Zhou's appointment as an executive director is subject to approval at the upcoming shareholders' meeting and regulatory approval [3][4]. Background of Zhou Feng - Zhou Feng, born in 1977, has extensive experience in financial regulatory bodies and local government. He worked for nearly 17 years at the Henan Regulatory Bureau of the China Banking and Insurance Regulatory Commission before transitioning to local government roles [4]. Management Structure - The current management team of Zhongyuan Bank includes members with government backgrounds, such as Chairman Guo Hao. The bank has seen frequent adjustments in its executive team this year, with a current structure of one president, four vice presidents, and six assistants [5]. Asset Quality Concerns - Zhongyuan Bank has faced challenges with asset quality, maintaining a high non-performing loan (NPL) ratio. As of mid-2023, the NPL ratio was 2.01%, which is above the average for city commercial banks [2][6]. Financial Performance - The bank's financial performance has shown mixed results. In 2022, operating income increased by 32.8% to 25.61 billion, but net profit only grew by 5.3% to 3.83 billion due to rising operating expenses and asset impairment losses [7][8]. Cost Management Efforts - To address profitability pressures, Zhongyuan Bank has implemented cost-cutting measures, resulting in a 7.4% reduction in operating expenses in the first half of 2025. The bank's capital adequacy ratios have also improved [8].

Core Viewpoint - Zhongyuan Bank has entered a "new headquarters era" and appointed Zhou Feng as the new president, facing multiple challenges including declining revenue and rising non-performing loans [1][3][4]. Group 1: Leadership Changes - Zhou Feng, with extensive regulatory and government experience, has been appointed as the new president of Zhongyuan Bank, pending regulatory approval [1][3][4]. - The previous president, Liu Kai, has resigned and will no longer hold any position within the bank [3]. Group 2: Financial Performance - For the first half of 2025, Zhongyuan Bank reported a revenue of 13.563 billion yuan, a decrease of 3.1% year-on-year, and a net profit of 2.034 billion yuan, down 0.8% [6]. - Non-interest income has significantly declined, with net commission income down 3.2%, trading net income down 30.5%, and investment securities income down 37% [6]. Group 3: Asset Quality and Risks - The non-performing loan (NPL) ratio stood at 2.01% as of June 2025, slightly down from the beginning of the year but still above the average of 1.76% for city commercial banks [6]. - The real estate sector's NPL ratio increased from 4.42% at the end of 2024 to 5.03% due to declining market demand and debt pressures [6]. Group 4: Strategic Focus and Challenges - Zhongyuan Bank aims to enhance its financial services to the real economy and improve its digital capabilities amid increasing competition from national banks and fintech companies [8][9]. - The bank is focusing on regional market development, technology finance, green finance, and digital finance to achieve differentiated growth [8][9]. Group 5: Organizational and Capital Strategies - The bank has established a diversified capital replenishment mechanism, issuing 8 billion yuan in subordinated debt and 10 billion yuan in perpetual bonds to enhance its capital adequacy [9]. - Zhongyuan Bank is actively involved in local government financial collaboration, providing services such as project financing and special bond issuance across various regions [9].

（原标题：中原银行聘任新行长周锋，曾任副市长、兼具17年金融监管经验） 2022年4月，周锋从金融监管系统转入进入地方党政系统，出任河南省濮阳市副市长。2024年5月，调任 河南省人民政府副秘书长。此次被聘任为中原银行行长，意味着周锋将重回金融系统工作。 中原银行成立于2014年12月，是分支机构网点覆盖河南全省的省属法人银行。2017年7月，中原银行在 香港联交所主板挂牌上市。2022年5月，经原中国银保监会批准，中原银行正式吸收合并洛阳银行、平 顶山银行及焦作中旅银行。目前，中原银行下辖18家分行，600余家营业网点，1家消费金融公司，2家 金融租赁公司和13家村镇银行。 截至2025年6月末，中原银行总资产14079.27亿元，较上年末增加427.30亿元，增幅3.1%。2025年上半 年实现实现营业收入135.62亿元，归母净利润20.34亿元，同比减少0.78%。核心一级资本充足率、一级 资本充足率、资本充足率分别为8.67%、11.18%、13.29%，较上年末上升0.21、0.25、0.27个百分点，资 本实力持续提升。 （图片来源/河南省人民政府官网） 周锋出生于1977年1月出生，博士研究生 ...

Core Insights - The article highlights the warm and community-focused services provided by Zhongyuan Bank's Luoyang branch, emphasizing its commitment to being a "citizen bank" that prioritizes customer needs and financial education [1][2][3] Group 1: Customer Service Initiatives - Zhongyuan Bank's Luoyang branch has implemented various customer service initiatives, including personalized assistance for clients facing issues, as demonstrated by a case where a mother successfully resolved her child's banking problem with the help of bank staff [1] - The bank has established a "special customer service ledger" to offer tailored services for elderly individuals, disabled persons, and those with mobility challenges, ensuring priority handling and home service options [2] Group 2: Financial Education and Community Engagement - The bank has actively engaged in financial education through community events, such as anti-money laundering campaigns and financial safety workshops, reaching over 140,000 customers online and offline [2] - A volunteer financial education team has been formed to conduct 171 themed promotional activities in various community settings, enhancing public awareness of financial risks and safety [2] Group 3: Future Plans - Zhongyuan Bank's Luoyang branch plans to continue deepening its "financial for the people" mission, aiming to innovate service models that combine warmth and efficiency, thereby reinforcing its role as a supportive financial institution in the community [3]

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11月10日舉行之 2025年第二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 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 1. 請填上以 閣下名稱登記與本代表委任表格有關的本行股份（「股份」）數目。如填上數目，則本代表委任表格將被視為僅與該等股份有關。如未有填上數 目，則本代表委任表格將被視為與以 閣下名稱登記的所有股份有關（不論以個人名義或是聯名登記）。 2. 請用正楷填上登記在本行股東名冊上的全名及地址。 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11月10日（星期一）下午三時正於中國河南省鄭州市鄭東新區金融島外環路 9號中原銀行大廈實體舉行之2025年第二次臨時股東大會（「2025年第二次臨時股東大會」）（或其任何續會） ...

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。 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。 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） 修訂《中原銀行股份有限公司章程》、 收購濮陽中原村鎮銀行、孟津民豐村鎮銀行、 欒川民豐村鎮銀行設立分支機構實施方案、 授權本行董事長辦理本次收購暨吸收合併相關事宜、 委任第三屆董事會執行董事、 不再設立本行監事會並廢止監事會相關公司治理制度、 修訂《中原銀行股份有限公司股東大會議事規則》、 修訂《中原銀行股份有限公司董事會議事規則》 及 ...

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年第二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年第二次臨時股東大會（「2025年第 二次臨時股東大會」）謹定於2025年11月10日（星期一）下午三時正在中國河南省鄭州 市鄭東新區金融島外環路9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： 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。 特別決議案 – 1 – 1. 審議並批准關於修訂《中原銀行股份有限公司章程》的議案； 2. 審議並批准關於收購濮陽中原村鎮銀行、孟津民豐村鎮銀行、欒川民豐村 鎮銀行設立分支機構實施方案的議案： (a) 審議並批准關於收購濮陽 ...

Core Viewpoint - Zhongyuan Bank announced the resignation of its president Liu Kai due to work adjustments, effective from October 17, 2025, and he will not hold any position in the bank thereafter [1] Group 1: Leadership Changes - The board of Zhongyuan Bank has approved the appointment of Zhou Feng as the new president, pending approval from the National Financial Regulatory Administration of Henan [1] - Zhou Feng's appointment as the third executive director of the board is also subject to shareholder approval and regulatory confirmation [1] Group 2: Background of Zhou Feng - Zhou Feng served as the Deputy Secretary-General of the Henan Provincial Government from May 2024 to September 2025 [1] - He was the Deputy Mayor of Puyang City, Henan Province, from April 2022 to May 2024 [1] - Zhou has extensive experience in regulatory roles, having worked at the former China Banking and Insurance Regulatory Commission in Henan from August 2005 to April 2022 [1]

Core Viewpoint - Zhongyuan Bank (01216) announced the resignation of its president Liu Kai, effective from October 17, 2025, due to work adjustments [1] Group 1 - The board has approved the appointment of Zhou Feng as the new president of Zhongyuan Bank, effective from October 17, 2025 [1] - Zhou Feng's qualification for the position is pending approval from the Henan Financial Regulatory Bureau [1] - The proposed appointment of Zhou Feng as an executive director of the third board is subject to shareholder approval at the bank's general meeting and also requires qualification approval from the Henan Financial Regulatory Bureau [1]