21世纪经济报道记者叶麦穗 广州报道 红利行情卷土重来，5月9日银行板块继续上攻，逆势上涨 1.46%，年内涨幅已经接近7%，再度领跑行业板块。当日，建设银行、浦发银行和江苏银行股价上涨逾 1%，创出历史新高。 三只银行股股价创历史新高 今年以来，银行股股价延续了2024年的上涨势头，并不断涌现创新高的标的。 根据Wind数据，2024年已披露年报的银行分红总额为6161.26亿元，这其中包括去年超2300亿元的中期 分红。六大行年报数据显示，其年度分红总额突破4200亿元，占银行业分红总额的比重超过70%。从具 体分红规模来看，工商银行以1097.73亿元的分红金额继续领跑，建设银行以1007.54亿元紧随其后，农 业银行和中国银行分别派现846.61亿元和713.6亿元。交通银行和邮储银行分红规模分别为281.46亿元和 259.41亿元。 截至5月9日收盘，银行板块上涨1.46%，涨幅居板块前列。银行板块内42只个股，有24只均出现不同程 度的上涨。其中，青岛银行领涨，全日上涨3.4%，收盘报4.86元/股，盘中最高触及4.88元/股，刷新了 近5年的高点。此外，浦发银行、建设银行、江苏银行上涨逾1%， ...

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4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5月8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 | | ...

5月7日，央行"十箭齐发"政策组合拳出台，引起了市场广泛关注。 这一揽子政策涵盖总量宽松、价格引导和结构优化三大维度，其核心目标是通过释放流动性、降低融资 成本、引导信贷资源向重点领域倾斜，推动经济高质量发展。 此次政策不仅对实体经济形成了支撑，更对银行板块产生结构性重塑效应——既通过总量工具缓解银行 短期流动性压力，又通过差异化政策加速行业分化，为具备战略定力的银行创造价值重估机遇。 恰逢近日郑州银行发布了2025年一季报，营收、利润、存贷款等各个维度核心指标均呈现良好增长态 势，凸显了该行高质量发展底色，也使其更容易成为本次政策红利的核心受益者之一。 对郑州银行这类区域性银行而言，负债端高成本同业负债占比有望降低，可优化资金结构并增强信贷投 放能力。 此次政策端还强调通过结构性工具，支持科技创新、服务消费、普惠金融等领域。其中，将科技创新和 技术改造再贷款额度从目前的5000亿元增加至8000亿元，可以引导银行将资金投向半导体、低空经济、 AI等战略产业，对于提升国家科技实力和产业竞争力具有至关重要的作用。 郑州银行坚决落实科创金融政策要求，聚焦投早、投小、投硬科技，通过开发"人才e贷""认股权贷""科 ...

净利润重回10亿元 主要指标逆势增长的基础上，郑州银行2025年一季度归母净利已重回10亿元水平。 2024年完成利润正增长的基础上，郑州银行延续回暖趋势。 4月29日，郑州银行披露一季度录得营收、归母净利34.75亿元、10.16亿元，同比增幅分别为2.22%、 4.98%； 其中资产、存款、贷款、营收、利润五项指标均实现增长，资产总额首次突破7000亿、贷款总额突破 4000亿、个人存款保持两位数增长，发展动力强劲。 信贷方面，改行贷款总额达到4002.36亿元，较上年末增长3.24%，其中公司贷款2699.72亿元、个人贷 款总额935.78亿元，推动公司盈利能力持续增长。 策略上，郑州银行大力支持省市七大产业集群、"7+28+N"产业链现代化建设和房地产市场平稳健康发 展；助力全省重大项目、"三个一批"建设；推进"万人助万企"等活动，把金融资源更多配置到社会发展 的重点领域和薄弱环节。 经营质效的"扎实"，植根于郑州银行的发展战略。回归本土本源、深入服务实体经济，郑州银行在金融 服务实体的大方针下，聚焦金融"五篇大文章"，将更多优质的金融资源精准、高效地投入实体经济之 中。 同期存款总额4301.12 ...

证券代码：002936 证券简称：郑州银行 公告编号：2025-027 一、会议召开情况 本行于 2025 年 4 月 18 日以电子邮件及书面方式向全体监事发出关于召开 第八届监事会第二次会议的通知，会议于 2025 年 4 月 29 日在郑州市商务外环路 22 号郑州银行大厦现场召开。本次会议应出席监事 4 人，实际出席 4 人，其中 徐长生先生以视频接入方式出席会议。会议召开符合《公司法》《深圳证券交易 所股票上市规则》《香港联合交易所有限公司证券上市规则》和《郑州银行股份 有限公司章程》的规定，本次会议合法有效。会议由监事会临时召集人胡跃先生 主持。 二、会议审议情况 （一）会议审议通过了《关于郑州银行股份有限公司 2025 年第一季度报告 的议案》。 监事会认为：董事会编制和审议本行 2025 年第一季度报告程序符合法律、 行政法规和中国证监会的规定，报告内容真实、准确、完整地反映了本行的实际 情况，不存在任何虚假记载、误导性陈述或者重大遗漏。 本议案同意票 4 票，反对票 0 票，弃权票 0 票。 该报告在巨潮资讯网（http://www.cninfo.com.cn）披露，供投资者查阅。 （二）会 ...

证券代码：002936 证券简称：郑州银行 公告编号：2025-026 郑州银行股份有限公司 第八届董事会第二次会议决议公告 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。 一、会议召开情况 本行于 2025 年 4 月 15 日以电子邮件及书面方式向全体董事发出关于召开 第八届董事会第二次会议的通知，会议于 2025 年 4 月 29 日在郑州市商务外环路 22 号郑州银行大厦现场召开。本次会议应出席董事 9 人，实际出席 9 人，其中， 卫志刚先生、刘亚天先生以视频接入方式出席会议。本行全部监事列席会议。会 议召开符合《公司法》《深圳证券交易所股票上市规则》《香港联合交易所有限公 司证券上市规则》和《郑州银行股份有限公司章程》的规定。本次会议合法有效。 会议由董事长赵飞先生主持。 二、会议审议情况 （一）会议审议通过了《郑州银行股份有限公司 2025 年第一季度经营管理 工作报告》。 本议案同意票 9 票，反对票 0 票，弃权票 0 票。 （二）会议审议通过了《关于郑州银行股份有限公司 2025 年第一季度报告 的议案》。 本 ...

4月29日，郑州银行（002936）披露2025年一季度业绩报告。报告显示，该行核心业务指标全面增长， 资产规模突破7000亿元，营业收入与净利润实现稳健提升，显示出强劲的发展韧性和高质量发展的显著 成效。 根据郑州银行近三年年报数据测算，2022年-2024年，该行人均资产、网均资产、人均存款、网均存款 逐年提升，显示出精细化管理水平不断提高。根据公开数据测算，截至2024年底，郑州银行人均资产为 1.09亿元，网均资产为37.16亿元，（2023年底河南省银行业人均资产为0.67亿元，网均资产为9.9亿 元），反映出该行在实现规模增长的同时，管理效能和基础单位作战能力也在大幅提升。 创新驱动高质量发展，多领域成果丰硕 郑州银行全力推进业务转型，以数字变革赋能，不断探索差异化发展路径，驱动高质量发展。报告期 内，该行着力打造线上+线下两大平台，深耕基础零售、财富管理、个人信贷三大板块，全面提升综合 服务能力、队伍专业能力、线上运营能力、品牌管理能力四大能力，做优网点、惠农、社区、线上、远 程银行五大渠道，持续推进零售转型战略落实落细。截至一季度末，该行个人存款较上年末增长253亿 元，超过去年全年增量的50 ...

Financial Performance - The total operating income for Q1 2025 was RMB 3,475,467 thousand, representing a 2.22% increase compared to RMB 3,400,099 thousand in Q1 2024[5]. - The net profit attributable to shareholders for Q1 2025 was RMB 1,015,591 thousand, up 4.98% from RMB 967,445 thousand in Q1 2024[5]. - The net investment income for Q1 2025 was CNY 851,299 thousand, representing a significant increase of 197.96% compared to CNY 285,709 thousand in Q1 2024[26]. - The total profit before tax for the group was RMB 1,205,583 thousand, compared to RMB 1,153,513 thousand in the same period last year, marking a growth of about 4.5%[49]. - The net profit attributable to shareholders of the bank was RMB 1,015,591 thousand, up from RMB 967,445 thousand year-over-year, indicating an increase of approximately 5.5%[49]. Assets and Liabilities - The total assets as of March 31, 2025, reached RMB 706,530,887 thousand, reflecting a 4.46% increase from RMB 676,365,240 thousand at the end of 2024[8]. - The total liabilities increased by 4.83% to RMB 650,020,645 thousand from RMB 620,070,469 thousand at the end of 2024[8]. - The bank's total equity as of March 31, 2025, was RMB 56,510,242 thousand, compared to RMB 56,294,771 thousand at the end of 2024, reflecting a slight increase of approximately 0.4%[45]. - The total amount of loans classified into five categories as of March 31, 2025, was CNY 400,235,539 thousand, reflecting a 3.24% increase from CNY 387,690,452 thousand as of December 31, 2024[23]. - The bank's loans and advances amounted to RMB 387,532,813 thousand, an increase from RMB 376,048,659 thousand as of December 31, 2024, showing a growth of about 3.9%[41]. Cash Flow - The net cash flow from operating activities was RMB (138,256) thousand, a decline of 35.09% compared to RMB (102,343) thousand in Q1 2024[5]. - The group reported a significant increase in net cash inflow from operating activities, totaling RMB 37,018,278 thousand, compared to RMB 22,661,715 thousand in the previous year, which is an increase of approximately 63.2%[53]. - The net cash inflow from financing activities was RMB 2,558,647 thousand for the three months ended March 31, 2025, a significant increase from RMB 294,666 thousand in the same period of 2024[59]. - The group reported a net cash outflow from investment activities of RMB 5,476,423 thousand for the three months ended March 31, 2025, compared to RMB 3,534,432 thousand for the same period in 2024, representing an increase of about 55%[57]. - The total cash and cash equivalents decreased by RMB 3,056,118 thousand during the three months ended March 31, 2025, compared to a decrease of RMB 3,339,816 thousand in the same period of 2024[61]. Shareholder Information - The total number of ordinary shareholders was 107,101, with 107,052 being A-share shareholders[29]. - The top 10 shareholders held a total of 3,500,000,000 shares, with the largest shareholder being Hong Kong Central Clearing Limited, holding 2,020,295,224 H shares[31]. - The bank's equity attributable to shareholders increased to RMB 54,660,173 thousand from RMB 54,445,031 thousand, marking a growth of about 0.4%[45]. Ratios and Capital Adequacy - The weighted average return on equity (ROE) for Q1 2025 was 9.12%, an increase of 0.14 percentage points from 8.98% in Q1 2024[6]. - The capital adequacy ratio stood at 12.01% as of March 31, 2025, slightly down from 12.06% at the end of 2024[13]. - The bank's core tier 1 capital adequacy ratio slightly decreased to 8.73% as of March 31, 2025, from 8.76% at the end of 2024[24]. - The liquidity coverage ratio was 260.65%, significantly above the regulatory requirement of 100%[13]. - As of March 31, 2025, the qualified high-quality liquid assets amounted to CNY 87,477,578 thousand, with a liquidity coverage ratio of 260.65%[21]. Other Comprehensive Income - The bank's other comprehensive income showed a significant decrease, with a value of CNY (88,661) thousand compared to CNY 711,788 thousand at the end of 2024[27]. - The group experienced a decrease in other comprehensive income, with a net amount of RMB (800,449) thousand, compared to RMB 292,744 thousand in the previous year[51].

Financial Performance - For the first quarter of 2025, the operating income was CNY 3,479,102,000, representing a 2.10% increase compared to CNY 3,407,584,000 in the same period of 2024[7] - The net profit attributable to shareholders for the first quarter of 2025 was CNY 1,015,591,000, which is a 4.98% increase from CNY 967,445,000 in the first quarter of 2024[7] - The basic earnings per share for the first quarter of 2025 remained at CNY 0.11, unchanged from the same period in 2024[7] - The net profit for the three months ended March 31, 2025, was CNY 1,015,920, representing a 2.5% increase from CNY 991,224 in the previous year[42] - The pre-tax profit for the three months ended March 31, 2025, was RMB 1,205,583 thousand, compared to RMB 1,153,513 thousand for the same period in 2024, indicating an increase of 4.5%[46] Cash Flow and Liquidity - The net cash flow used in operating activities for the first quarter of 2025 was CNY (138,256,000), a 35.09% decrease compared to CNY (102,343,000) in the same period of 2024[7] - The net cash flow from operating activities for the three months ended March 31, 2025, was RMB (138,256) thousand, a slight deterioration compared to RMB (102,343) thousand in 2024[49] - The net cash flow from investing activities for the three months ended March 31, 2025, was RMB (5,476,423) thousand, compared to RMB (3,534,432) thousand in 2024, indicating an increase in cash outflow[50] - The net cash flow from financing activities for the three months ended March 31, 2025, was RMB 2,558,647 thousand, a substantial increase from RMB 294,666 thousand in 2024[50] - The liquidity coverage ratio is significantly high at 260.65% as of March 31, 2025, indicating strong liquidity position[18] Assets and Liabilities - Total assets as of March 31, 2025, were CNY 706,530,887,000, reflecting a 4.46% increase from CNY 676,365,240,000 at the end of 2024[9] - The total liabilities as of March 31, 2025, were CNY 650,020,645,000, marking a 4.83% increase from CNY 620,070,469,000 at the end of 2024[9] - The total amount of loans and advances issued was CNY 400,235,539,000, which is a 3.24% increase from CNY 387,690,452,000 at the end of 2024[9] - The total deposits received amounted to CNY 430,112,347,000, which is a 6.32% increase from CNY 404,537,898,000 at the end of 2024[9] - The total risk-weighted assets amounted to 501,936,237 RMB as of March 31, 2025, up from 498,780,953 RMB at the end of 2024[13] Shareholder Information - The total number of ordinary shareholders at the end of the reporting period was 107,101, with 107,052 A-share shareholders and 49 H-share shareholders[28] - The largest shareholder, Hong Kong Central Clearing Limited, holds 2,020,295,224 H-shares, representing 22.22% of total shares[33] - Zhengzhou Finance Bureau holds 657,246,311 A-shares, accounting for 7.23% of total shares, with 93,278,900 shares pledged[30] - The top ten ordinary shareholders do not participate in securities lending activities during the reporting period[37] Capital Adequacy and Ratios - The core tier 1 capital adequacy ratio as of March 31, 2025, is 8.73%, slightly down from 8.76% at the end of 2024[11] - The total capital adequacy ratio stands at 12.01% as of March 31, 2025, compared to 12.06% at the end of 2024[13] - The leverage ratio decreased to 6.93% as of March 31, 2025, from 7.19% at the end of 2024[15] - The cost-to-income ratio improved to 17.83% in Q1 2025, down from 29.00% in the same period last year[11] Investment and Income - Investment net income increased by 148.48% year-on-year to 607,554 RMB in Q1 2025, driven by higher bond investment returns[22] - The net investment income increased significantly to CNY 607,554 from CNY 244,512 year-over-year[41] - The interest income from financial investments for the three months ended March 31, 2025, was RMB (1,360,746) thousand, slightly higher than RMB (1,327,267) thousand in 2024[46] Company Initiatives - The company actively supports local economic development and small and micro enterprises through financial services and initiatives[26] - The company is focusing on technological innovation and has established four technology-focused branches in key university areas[27] - The company is enhancing its digital banking capabilities, emphasizing AI opportunities and the deployment of large models like DeepSeek[27] Other Information - The company has not disclosed any other significant matters beyond what is reported in this document[38] - The quarterly report is available on the Hong Kong Stock Exchange and the company's website[39]

Financial Performance - As of the end of 2024, the total assets of Bank of Zhengzhou reached RMB 676.365 billion, an increase of 7.24% compared to the previous year[12]. - Total deposits amounted to RMB 404.538 billion, reflecting a growth of 12.07% year-on-year[12]. - Total loans reached RMB 387.690 billion, with a year-on-year increase of 7.51%[12]. - Operating income for the year was RMB 12.890 billion, while net profit was RMB 1.863 billion, representing a year-on-year growth of 0.21%[12]. - Operating revenue for 2024 was RMB 12,890,323, a decrease of 5.91% compared to RMB 13,699,410 in 2023[23]. - Net profit attributable to shareholders for 2024 was RMB 1,875,762, reflecting a 1.39% increase from RMB 1,850,117 in 2023[23]. - The net cash flow from operating activities surged to RMB 8,765,356, a significant increase of 431.85% from RMB 1,648,102 in 2023[23]. - Non-interest income increased by 28.88% to RMB 2.526 billion[48]. - The company achieved net interest income of RMB 10.36 billion, a decrease of RMB 1.37 billion or 11.71% year-on-year, accounting for 80.41% of operating income[49]. - The net trading income for 2024 reached RMB 1,054,470 thousand, a 34.89% increase from RMB 781,745 thousand in 2023[161]. - The net investment income surged by 84.81% to RMB 912,723 thousand in 2024 from RMB 493,881 thousand in 2023[161]. Asset Quality and Risk Management - The non-performing loan ratio stood at 1.79%, with a provision coverage ratio of 182.99%[12]. - The non-performing loan ratio improved to 1.79%, down from 1.87% in 2023[26]. - The company aims to enhance risk management efficiency and prevention capabilities through the upgrade of market risk and operational risk management systems[15]. - The company provided a total of RMB 5.14 billion in loan loss provisions during the reporting period, with a remaining balance of RMB 12.67 billion in loan loss provisions at the end of the period[144]. - The total amount of overdue loans increased by RMB 4.71 billion compared to the previous year, indicating a growing concern regarding loan repayment[141]. - The non-performing loan ratio for corporate loans (excluding bill discounting) is 2.05%, down 0.04 percentage points year-on-year, while the personal loan non-performing loan ratio is 1.56%, down 0.16 percentage points year-on-year[130]. Strategic Focus and Development - The management emphasizes a commitment to high-quality development and reform in response to various internal and external challenges[12]. - The company is focused on implementing the new development philosophy and advancing financial development with Chinese characteristics[12]. - The report highlights the importance of aligning with the goals of the 14th Five-Year Plan and the spirit of the 20th National Congress of the Communist Party[12]. - The company aims to enhance its service to the local economy and small and medium-sized enterprises, focusing on policy-oriented financial services[38]. - The company is committed to serving the local economy and small and medium-sized enterprises, focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance[13]. - The company is enhancing its capital management to meet regulatory requirements and ensure capital levels align with risk management[180]. Community and Social Responsibility - The company has established 400 community volunteer service stations and 23 inclusive finance service ports, covering 2,363 villages and towns[14]. - The company has been recognized with the "Support for Small and Micro Enterprises Model Award" by the Henan Provincial Science and Technology Department[13]. - The company aims to enhance its service capabilities in the technology innovation sector, focusing on local economic integration[42]. Capital Management and Regulatory Compliance - The company is implementing the "Commercial Bank Capital Management Measures" and has completed regulatory reporting under new regulations[181]. - The company is conducting a comprehensive assessment of risk status and developing a capital plan for 2024-2026, considering asset quality and profit growth[183]. - The core tier 1 capital adequacy ratio decreased to 8.76% as of December 31, 2024, from 8.90% at the end of 2023[184]. - The total capital adequacy ratio decreased to 12.06% as of December 31, 2024, compared to 12.38% at the end of 2023[184]. Loan and Deposit Growth - The total amount of loans and advances was RMB 387.69 billion, up RMB 27.08 billion or 7.51% year-on-year[95]. - Total personal deposits reached RMB 218.18 billion, an increase of 29.37% compared to the end of the previous year[195]. - The balance of inclusive small and micro loans was RMB 53.69 billion, up 7.46% from the previous year, exceeding the general loan growth rate by 0.61 percentage points[200]. - The "House e-loan" product issued RMB 18.03 billion in loans, with a new issuance of RMB 3.81 billion[198].