12月5日金融一线消息，河南金融监管局发布批复，核准潘峰郑州银行股份有限公司首席风险官的任职 资格。 责任编辑：秦艺 责任编辑：秦艺 12月5日金融一线消息，河南金融监管局发布批复，核准潘峰郑州银行股份有限公司首席风险官的任职 资格。 ...

12月5日，国家金融监督管理总局河南监管局发布批复，核准潘峰郑州银行（002936）股份有限公司首席风险官的任职资格。 批复要求，郑州银行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自本行政许可决定作出之日起3个月内到任，并按要求及时报告到 任情况。未在上述规定期限内到任的，本批复文件失效，由该局办理行政许可注销手续。 同时，郑州银行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固树立风险合规意识，熟悉任职岗位职责，忠实勤勉履职。 （国家金融监督管理总局） ...

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人的證券變動月報表 截至月份: 2025年11月30日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 鄭州銀行股份有限公司 (於中華人民共和國註冊成立的股份有限公司） 呈交日期: 2025年12月3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) | 06196 | 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 | | | 2,020,458,000 | RMB | | 1 RMB | | 2,020,458,000 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 2,020,458,000 | RMB | | 1 RMB | | 2,020,458,000 | ...

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人的證券變動月報表 截至月份: 2025年11月30日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 鄭州銀行股份有限公司 (於中華人民共和國註冊成立的股份有限公司） 呈交日期: 2025年12月3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) | 06196 | 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 | | | 2,020,458,000 | RMB | | 1 RMB | | 2,020,458,000 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 2,020,458,000 | RMB | | 1 RMB | | 2,020,458,000 | ...

今年以来，郑州市经济运行稳中提质，前三季度地区生产总值突破11189.8亿元，同比增长5.4%，外贸 进出口总额达4332.5亿元，增速高达25.3%，以新能源汽车、智能手机为代表产业出口表现亮眼，"一带 一路"枢纽功能持续增强。在这片充满活力的发展热土上，郑州银行始终与地方经济同呼吸、共成长， 以精准、多元的金融服务全面融入区域发展战略，成为推动产业转型、城市建设和民生改善的重要金融 力量。 规模持续增长，夯实金融服务实体根基。依托区域经济稳健增长的良好环境，郑州银行资产规模实现显 著提升，总额突破7435.52亿元，较上年末增长9.93%，为地方经济发展注入充裕资金动能。信贷资源精 准投向城市发展关键领域，发放贷款及垫款总额达4067.17亿元，增幅4.91%，重点支持"7+28+N"产业 链群打造和"三个一批"重大项目建设，强化对先进制造、城市更新、外贸龙头等领域的融资服务，围绕 新能源汽车、智能手机等区域优势产业定制综合金融方案，助力产业集群高质量发展。 聚焦实体经济，提升市场主体获得感。作为地方法人银行，郑州银行充分发挥本土化服务优势，深入推 进小微企业融资协调机制，持续开展"千企万户大走访"，实施 ...

Core Insights - The financial industry is facing a transformative opportunity to support technological innovation and local economic development, moving beyond traditional credit models to embrace a more integrated approach to financing [1][2][3] Group 1: 华夏银行 (Huaxia Bank) - Huaxia Bank is implementing a comprehensive initiative to address the inherent conflict between high-risk, long-cycle technology innovation and traditional banking's focus on safety and profitability, utilizing innovative financial tools and internal reforms [3][4] - The bank has successfully launched various financial products, such as "研发贷" (R&D loans) and "并购贷" (merger loans), to meet the specific needs of technology companies, including a notable 13 million yuan R&D loan for a biotechnology firm [4][6] - As of October, Huaxia Bank's loans to technology enterprises reached nearly 240 billion yuan, with a growth rate of approximately 50%, indicating a strong commitment to supporting the tech sector [9] Group 2: 北京农商银行 (Beijing Rural Commercial Bank) - Beijing Rural Commercial Bank has evolved from a local credit cooperative to a major financial institution, with assets growing to 1.3 trillion yuan and maintaining a non-performing loan rate of around 1% [11][12] - The bank focuses on rural revitalization and small and micro enterprises, offering tailored financial products like "优农快贷" (Fast Agricultural Loans) to support local agricultural initiatives [12][14] - As of October, the bank's inclusive small and micro loans reached 20.048 billion yuan, reflecting its commitment to serving diverse customer needs [14] Group 3: 郑州银行 (Zhengzhou Bank) - Zhengzhou Bank is strategically aligned with the national goals of high-quality development and efficient governance, focusing on providing financial support to key industries and local economies [21][23] - The bank has established a "产业链金融" (industry chain finance) model to support local industries, particularly in manufacturing and agriculture, and has signed strategic agreements to provide targeted credit support [24][25] - As of June, the bank's agricultural loan balance was 48.094 billion yuan, demonstrating its commitment to rural financial services [25] Group 4: 中关村银行 (Zhongguancun Bank) - Zhongguancun Bank, as the first private bank focused on technology innovation, aims to build a comprehensive ecosystem for tech enterprises, shifting from merely providing financial services to becoming a key player in the tech finance ecosystem [32][33] - The bank emphasizes early-stage support for startups, particularly in hard technology sectors, and has developed customized financial solutions to meet the unique needs of these companies [34][35] - By collaborating with over 400 venture capital and industry partners, Zhongguancun Bank is creating a robust network to support tech companies throughout their lifecycle [36][37]

Core Viewpoint - Zhengzhou Bank focuses on balancing its development with local economic empowerment amidst narrowing interest margins and intensified market competition in the banking industry [1] Group 1: Financial Performance - As of the third quarter, Zhengzhou Bank's total assets exceeded 740 billion yuan, reaching 743.55 billion yuan, representing a steady growth of 9.93% compared to the end of the previous year [1] - The total amount of deposits reached 459.52 billion yuan, an increase of 13.59% from the end of the previous year, with personal deposits growing by 22.44% year-on-year to 267.14 billion yuan [1] - Net interest income was 7.816 billion yuan, up 5.83% year-on-year, while non-interest income rose to 1.579 billion yuan, contributing to a diversified profit structure [2] Group 2: Credit and Investment Strategy - The total amount of loans and advances reached 406.72 billion yuan, a growth of 4.91% from the end of the previous year, with a focus on advanced manufacturing, urban renewal, and green low-carbon sectors [3] - The bank implemented a "one enterprise, one policy" approach to address financing difficulties for small and micro enterprises, enhancing support for local economic stability [3] Group 3: Service Ecosystem and Community Impact - Zhengzhou Bank has developed four service systems: "Citizen Manager," "Financing Manager," "Wealth Manager," and "Rural Manager," integrating financial services into various social scenarios [4] - Personal loan balances reached 96.31 billion yuan, reflecting a growth of 5.88% from the end of the previous year, catering to diverse needs such as housing, entrepreneurship, and consumption [4] Group 4: Risk Management - The bank maintained a provision coverage ratio of 186.17%, an increase of 19.94 percentage points year-on-year, while the non-performing loan ratio was 1.76%, a decrease of 0.1 percentage points [4] - Zhengzhou Bank emphasizes risk prevention as a core aspect of its operations, combining internal capital accumulation with external capital supplementation to enhance its risk resilience [4] Group 5: Future Outlook - Zhengzhou Bank aims to continue enhancing its comprehensive financial service capabilities and deepen its integration into local economic development, contributing to the rise of the Central Plains and the revitalization of Henan [5]

Core Insights - Zhengzhou Bank has achieved rapid asset growth, with total assets reaching 743.55 billion yuan by the end of September 2025, marking a 9.93% increase from the beginning of the year, the fastest growth rate for the same period in history [1] - The bank's deposit base remains strong, with total deposits amounting to 459.52 billion yuan, a 13.59% increase year-to-date, particularly driven by a 22.44% rise in personal deposits [1] - The bank's net profit for the first three quarters of 2025 reached 2.279 billion yuan, reflecting a 1.56% year-on-year growth, amidst industry challenges [2] Asset and Liability Management - Total liabilities increased to 685.94 billion yuan, up 10.62% from the start of the year, indicating a balanced growth in both assets and liabilities [1] - The bank's loan and advance total reached 406.72 billion yuan, a 4.91% increase year-to-date, with a focus on key industries and projects [1] Revenue and Profitability - Operating income for the first three quarters was 9.395 billion yuan, a 3.91% increase year-on-year, with net interest income contributing 7.816 billion yuan, up 5.83% [2] - Non-interest income reached 1.579 billion yuan, with investment income significantly increasing by 42.87% to 1.463 billion yuan, highlighting a shift in revenue structure [2] - The bank has effectively controlled costs, with business and management expenses decreasing by 2.45% to 2.243 billion yuan [2] Retail Strategy and Service Enhancement - Retail banking has become a key growth driver, with personal loans reaching 96.306 billion yuan, a 5.88% increase from the beginning of the year [3] - The bank has developed a comprehensive service system called "Four Housekeepers," focusing on various customer needs, including healthcare, small business financing, personalized wealth management, and rural services [4] Asset Quality and Capital Management - The bank's non-performing loan ratio improved to 1.76%, a decrease of 0.1 percentage points year-on-year, while the provision coverage ratio increased to 186.17% [6] - The core tier one capital adequacy ratio stands at 8.97%, positioning the bank in the mid-range among A-share listed city commercial banks [6] Conclusion - Zhengzhou Bank's third-quarter report demonstrates its strategic resilience and development potential as a regional bank, focusing on market depth and contributing to local economic growth [8]

Core Viewpoint - The performance differentiation in the banking sector is becoming increasingly pronounced amid a moderately loose monetary policy and intensifying competition, with Zhengzhou Bank demonstrating robust growth in assets, revenue, and risk control capabilities despite a complex market environment [1] Group 1: Asset and Revenue Growth - Zhengzhou Bank's total assets reached 7435.52 billion yuan by the end of September 2025, marking a 9.93% increase from the end of the previous year, the highest growth rate for the same period historically [2] - The bank's total loans and advances amounted to 4067.17 billion yuan, reflecting a 4.91% increase year-on-year, with a focus on supporting key industries in Henan [2] - The bank achieved an operating income of 93.95 billion yuan and a net profit attributable to shareholders that grew by 3.91% and 1.56% respectively, indicating strong profitability [4] Group 2: Cost Control and Risk Management - The bank's business and management expenses were 22.43 billion yuan, a decrease of 2.45% year-on-year, with the cost-to-income ratio dropping to 23.99%, down 1.57 percentage points [3] - The non-performing loan ratio was 1.76%, a decrease of 0.1 percentage points from the previous year, while the provision coverage ratio improved by 19.94 percentage points to 186.17% [3] Group 3: Retail Business Development - Personal deposits reached 2671.43 billion yuan, a 22.44% increase from the end of the previous year, while personal loans grew by 5.88% to 963.06 billion yuan, indicating successful retail transformation [5] - The bank has developed a comprehensive retail ecosystem through its "Four Caretakers" model, enhancing customer engagement and business revenue [5] Group 4: Strategic Outlook - Zhengzhou Bank aims to leverage its regional economic advantages and continue enhancing its "Four Caretakers" ecosystem, focusing on improving fund operations and digital services to support local economic development [7]

Core Insights - Zhengzhou Bank reported a comprehensive progress in various dimensions such as scale growth, profitability, service to the real economy, and risk control amid a complex external environment and increasing industry competition [1] Group 1: Asset Growth - The bank's total assets reached 743.55 billion yuan, an increase of 9.93% compared to the end of the previous year, marking a growth of 67.19 billion yuan, which is 1.87 times the growth rate of the same period last year [2] - The total amount of loans and advances issued by the bank was 406.72 billion yuan, reflecting a growth of 4.91% compared to the end of the previous year [2] Group 2: Revenue and Profitability - Zhengzhou Bank achieved a net interest income of 7.82 billion yuan, representing a year-on-year increase of 5.83% [3] - The bank's non-interest income also showed good growth, indicating a diversified revenue structure and sustained profitability in a challenging operating environment [3] Group 3: Retail Strategy - The bank's retail strategy has made significant progress, with personal deposit balances reaching 267.14 billion yuan, a growth of 22.44% compared to the end of the previous year [3] - Personal loan balances stood at 96.31 billion yuan, reflecting a growth of 5.88% compared to the end of the previous year [3] - The bank is focusing on enhancing customer loyalty through a comprehensive retail service system, addressing the financing needs of small and micro enterprises, and expanding financial services to rural areas [3] Group 4: Future Outlook - Zhengzhou Bank aims to continue its high-quality development direction by differentiating its business positioning, deepening services to the real economy, and advancing technological finance and digital transformation [3]