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]

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]