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 會 就 本 公 告 全 部 或 任 何 部 分 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。 Bank of Zhengzhou Co., Ltd.* 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） （H股股份代號：6196） 趙 飛 董事長 中國河南省鄭州市 2025年11月25日 於 本 公 告 日 期，本 行 董 事 會 成 員 包 括 執 行 董 事 趙 飛 先 生 及 李 紅 女 士；非 執 行 董 事 張 繼 紅 女 士、劉 炳 恒 先 生 及 衛 志 剛 先 生；以 及 獨 立 非 執 行 董 事 李 小 建 先 生、王 寧 先 生、劉 亞 天 先 生 及 蕭 志 雄 先 生。 * 本行並非香港法例第155章《銀 行 業 條 例》所 指 認 可 機 構，不 受 限 於 香 港 ...

Group 1 - Zhengzhou Bank announced that approximately 329 million restricted shares will be unlocked and listed for trading on November 27, 2025 [1] - For the first half of 2025, Zhengzhou Bank's revenue composition is as follows: interest income accounts for 89.32%, while non-interest income accounts for 2.28% [1] Group 2 - As of the report, Zhengzhou Bank has a market capitalization of 18.2 billion yuan [2] - Dapeng Industrial's strategic placement has resulted in significant gains for insiders, with a subscription price of 9 yuan and a first-day listing price of 118 yuan, leading to a paper profit of 24.92 million yuan for the controlling shareholder and his brother [2]

证券代码：002936 证券简称：郑州银行 公告编号：2025-046 郑州银行股份有限公司关于 部分非公开发行限售股上市流通的提示性公告 郑州银行股份有限公司（以下简称"本行"）及董事会全体成员保证公告内容的真实、 准确、完整，没有虚假记载、误导性陈述或重大遗漏。 特别提示 （一）本次限售股上市流通数量为 328,515,000 股，占本行 A 股股份的 4.6455%，占本行总股份的 3.6132%。 （二）本次限售股上市流通日期为 2025 年 11 月 27 日（星期四）。 一、非公开发行股票概况及股本变动情况 三、本次解除限售股份的上市流通安排 经中国证券监督管理委员会《关于核准郑州银行股份有限公司非公开发行 股票的批复》（证监许可[2020]1485 号）核准，本行非公开发行 A 股 1,000,000,000 股，并于 2020 年 11 月 27 日在深圳证券交易所上市。非公开发行 A 股完成后， 本行总股本由 6,514,125,090 股变为 7,514,125,090 股，其中，A 股 5,844,325,090 股，H 股 1,669,800,000 股。 本行 2021 年第一次临时 ...

招商证券股份有限公司 关于郑州银行股份有限公司 本次限售股形成后至今，公司发生资本公积转增股本事项，公司总股本变动 情况如下： （1）公司 2021 年第一次临时股东大会、2021 年第二次 A 股类别股东大会 及 2021 年第二次 H 股类别股东大会分别审议通过了《关于郑州银行股份有限公 司 2020 年度利润分配及资本公积转增股份预案的议案》，同意公司向权益分派股 权登记日登记在册的普通股股东以资本公积每 10 股股份转增 1 股股份，该权益 分派已于 2021 年 12 月 20 日实施完毕。转增后，公司总股本由 7,514,125,090 股 变为 8,265,537,599 股，其中，A 股 6,428,757,599 股，H 股 1,836,780,000 股。 （2）公司 2022 年度股东周年大会、2023 年第一次 A 股类别股东大会及 2023 年第一次 H 股类别股东大会分别审议通过了《关于郑州银行股份有限公司 2022 1 年度利润分配及资本公积转增股份预案的议案》，同意公司向权益分派股权登记 日登记在册的普通股股东以资本公积每 10 股股份转增 1 股股份，该权益分派已 于 202 ...

Core Insights - Zhengzhou Bank reported a solid performance in Q3 2025, with operating income of 9.395 billion and net profit attributable to shareholders of 2.279 billion, reflecting year-on-year growth of 3.91% and 1.56% respectively [1] - The bank's total assets reached 743.552 billion by the end of September, marking a 9.93% increase from the previous year, with a significant asset growth rate that set a historical high for the same period [1] Group 1: Financial Performance - The bank achieved a remarkable increase in total assets, adding 67.187 billion compared to the end of the previous year, which is 1.87 times the increase from the same period last year [1] - Total liabilities grew to 685.938 billion, up 10.62% from the previous year, ensuring ample funding for supporting the real economy [1] Group 2: Credit and Retail Strategy - As of the end of Q3, the total amount of loans and advances reached 406.717 billion, reflecting a 4.91% increase from the previous year, with a focus on key sectors [2] - Personal deposits surged to 267.143 billion, a significant increase of 22.44%, while personal loans rose to 96.306 billion, up 5.88% [2] Group 3: Future Outlook - The bank plans to combine internal accumulation with external supplementation to strengthen capital, focusing on supporting local economies, small and medium enterprises, and enhancing financial support in key areas [3]

Core Viewpoint - Zhengzhou Bank has demonstrated robust performance in its Q3 2025 earnings report, showcasing significant growth in asset scale, revenue, and net profit despite a challenging external environment and intensified industry competition [1] Group 1: Asset Growth and Credit Support - As of the end of Q3, Zhengzhou Bank's total assets reached 743.55 billion yuan, marking a 9.93% increase from the end of the previous year [1] - The bank's asset scale achieved a historic high growth rate, with an increase of 67.19 billion yuan, equivalent to 1.87 times the increase from the same period last year [2] - Total loans and advances amounted to 406.72 billion yuan, reflecting a 4.91% growth from the previous year, with a focus on key sectors such as advanced manufacturing and urban renewal [2] Group 2: Revenue and Profitability - The bank's net interest income for the first three quarters was 7.82 billion yuan, a year-on-year increase of 5.83%, serving as a core support for revenue growth [3] - Non-interest income also saw significant improvement, contributing to a diversified revenue structure that enhances the bank's sustained profitability and growth potential [3] Group 3: Retail Strategy and Ecosystem Development - The retail business transformation has emerged as a key growth driver, with personal deposits reaching 267.14 billion yuan, a substantial increase of 22.44% from the previous year [4] - Personal loan balances stood at 96.31 billion yuan, up 5.88% year-on-year, indicating steady expansion in retail operations [4] - The bank has established a comprehensive retail service ecosystem centered around four key roles: citizen steward, financing steward, wealth steward, and rural steward, enhancing customer engagement and service efficiency [4] Group 4: Future Outlook - Zhengzhou Bank aims to maintain a high-quality development trajectory by focusing on differentiated market positioning, deepening services for the real economy, and advancing technological finance and digital transformation [4]

Group 1 - The core issue revolves around the recent incident where a bank customer was questioned after withdrawing 40,000 yuan, highlighting ongoing discussions about enhanced anti-fraud measures in banks [1] - On November 22, there were reports indicating that Zhengzhou Bank received a notification stating that the "police-bank system will completely stop services, with the reopening time to be determined later" [1] - Several banks in Zhengzhou confirmed to reporters that they had received the aforementioned notification, indicating a potential disruption in banking operations [1]

Market Overview - The city commercial bank sector experienced a decline of 1.17% on November 21, with Zhengzhou Bank leading the drop [1] - The Shanghai Composite Index closed at 3834.89, down 2.45%, while the Shenzhen Component Index closed at 12538.07, down 3.41% [1] Individual Stock Performance - Nanjing Bank closed at 11.43, up 0.53% with a trading volume of 557,200 shares and a transaction value of 638 million yuan [1] - Zhengzhou Bank closed at 2.00, down 3.38% with a trading volume of 1,987,400 shares and a transaction value of 404 million yuan [2] - Other notable declines include: - Ningbo Bank: closed at 28.80, down 0.69% - Chengdu Bank: closed at 16.72, down 0.71% - Shanghai Bank: closed at 10.01, down 0.79% [1][2] Capital Flow Analysis - The city commercial bank sector saw a net outflow of 427 million yuan from institutional investors, while retail investors contributed a net inflow of 325 million yuan [2] - Key capital flows for selected banks include: - Qilu Bank: net inflow from retail investors of 2.35 million yuan, but a net outflow of 18.61 million yuan from institutional investors [3] - Zhengzhou Bank: net outflow of 18.38 million yuan from institutional investors, with a retail net inflow of 10.67 million yuan [3]

Core Viewpoint - Zhengzhou Bank's stock price has experienced a decline, with a 2.88% drop year-to-date and a 2.42% drop in the last five trading days, indicating potential concerns among investors [1]. Company Overview - Zhengzhou Bank, established on November 16, 1996, and listed on September 19, 2018, is located in Zhengdong New District, Zhengzhou, Henan Province, and Hong Kong [2]. - The bank primarily provides financial services through four business segments: corporate banking (53.01% of revenue), funding business (28.33%), retail banking (18.47%), and other services (0.19%) [2]. Financial Performance - As of September 30, the number of shareholders increased to 108,400, with an average of 61,863 circulating shares per person, showing a slight decrease [3]. - For the period from January to September 2025, Zhengzhou Bank reported a net profit of 2.279 billion yuan, reflecting a year-on-year growth of 1.56% [3]. Dividend Information - Since its A-share listing, Zhengzhou Bank has distributed a total of 1.662 billion yuan in dividends, with 182 million yuan distributed over the past three years [4].

Core Viewpoint - The recent approvals by the National Financial Supervision Administration for several banks to acquire their affiliated rural banks and convert them into direct branches signify a shift from quantity expansion to quality enhancement in the rural banking sector [1][2]. Group 1: Recent Developments - Multiple cases of "village to branch" transformations have been approved, indicating a significant acceleration in the reform and restructuring of small and medium-sized banks [2]. - In November, Shanghai Pudong Development Bank successfully acquired two rural banks, converting them into branches, showcasing a trend among various banking institutions to engage in mergers and acquisitions of rural banks [2]. - The restructuring methods "village to branch" and "village to division" are becoming mainstream, allowing banks to absorb rural banks and enhance their operational capabilities [2][3]. Group 2: Strategic Implications - The absorption of rural banks into larger banking institutions enhances service capabilities and risk resilience for rural banking services [3]. - For the parent banks, the restructuring expands their business scope and allows for the potential establishment of new branches in areas where they previously had no presence [3]. Group 3: Policy and Market Dynamics - The acceleration of rural bank integration aligns with regulatory directives aimed at reducing the number of financial institutions while improving service quality [4]. - As of mid-2025, the number of rural banks is projected to decrease to 1,440, reflecting a significant reduction in the sector, which is part of a broader strategy to enhance service quality through consolidation [4]. - The integration of rural banks is not merely about reducing the number of branches but represents a strategic shift towards more focused and quality-driven financial services [4].