Core Insights - Zhengzhou Bank reported a robust performance in Q3 2025, demonstrating resilience in a challenging external environment and contributing to the economic development of Henan province [1] Group 1: Financial Performance - As of the end of Q3 2025, Zhengzhou Bank's total assets reached 743.55 billion, marking a 9.93% increase from the end of the previous year, achieving the highest growth rate for the same period in history [2] - The bank's operating income for the first three quarters was 9.395 billion, reflecting a year-on-year increase of 3.91% [1] - Net profit attributable to shareholders was 2.279 billion, with a year-on-year growth of 1.56% [1] Group 2: Asset Growth and Lending - The asset scale increased by 67.187 billion in the first three quarters, equivalent to 1.87 times the growth of the same period last year [2] - Total loans and advances reached 406.717 billion, up 4.91% from the end of the previous year [2] - The bank focused on supporting key industries and projects, enhancing financing for advanced manufacturing and urban renewal [2] Group 3: Revenue and Retail Transformation - Net interest income for the first three quarters was 7.816 billion, showing a year-on-year increase of 5.83% [3] - Non-interest income significantly increased, showcasing the bank's profitability resilience and growth potential in a complex market [3] - Personal deposits reached 267.143 billion, a 22.44% increase from the end of the previous year, while personal loans grew by 5.88% to 96.306 billion [3]

证券代码：002936 证券简称：郑州银行 公告编号：2025-041 郑州银行股份有限公司 第八届监事会第四次会议决议公告 郑州银行股份有限公司（以下简称"本行"）及监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 10 月 20 日以电子邮件及书面方式向全体监事发出关于召开 第八届监事会第四次会议的通知，会议于 2025 年 10 月 30 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、耿明斋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 会议审议通过了《关于郑州银行股份有限公司 2025 年第三季度报告的议案》。 监事会认为：董事会编制和审议本行 2025 年第三季度报告的程序符合法律、 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 ...

证券代码：002936 证券简称：郑州银行 公告编号：2025-040 郑州银行股份有限公司 第八届董事会第四次会议决议公告 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 2025 年第三季度报告在巨潮资讯网（http://www.cninfo.com.cn）披露， 供投资者查阅。 （三）会议审议通过了《郑州银行股份有限公司 2025 年第三季度第三支柱 信息披露报告》。 1 本议案同意票 9 票，反对票 0 票，弃权票 0 票。 本行于 2025 年 10 月 16 日以电子邮件及书面方式向全体董事发出关于召开 第八届董事会第四次会议的通知，会议于 2025 年 10 月 30 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，刘炳恒先生、刘亚天先生以电话或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 ...

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） 董事長 中國河南省鄭州市 2025年10月30日 於 本 公 告 日 期，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 金 融 管 理 局 的 監 督，並 無 獲 授 權 在 香 港 經 營 銀 行 及╱或 接 受 存 款 業 務。 – 1 – 重 要 內 容 提 示： – 2 – ...

前三季度郑州银行营收、利润延续双增，实现营业收入93.95亿元，较上年同期增幅3.91%；实现归属于 本行股东的净利润22.79亿元，较上年同期增幅1.56%。全行吸收存款本金总额4595.18亿元，比上年末 增长13.59%；发放贷款及垫款总额4067.17亿元，较上年末增长4.91%。 10月30日晚，郑州银行披露了2025年第三季度报告。报告显示，截至9月末，该行资产总额攀升至 7435.52亿元，较上年末增长9.93%，增速刷新历史同期新高。 ...

Financial Performance - Total operating income for Q3 2025 was RMB 2,704,735 thousand, an increase of 2.15% year-on-year[4] - Net profit attributable to shareholders for Q3 2025 was RMB 651,692 thousand, a slight increase of 0.22% year-on-year[4] - The bank's basic earnings per share for Q3 2025 was RMB 0.07, unchanged from the previous year[5] - The weighted average return on equity (ROE) for Q3 2025 was 5.71%, a decrease of 0.11 percentage points year-on-year[5] - The group's net profit for the nine months ended September 30, 2025, was RMB 2,300,027 thousand, slightly up from RMB 2,288,964 thousand in 2024, indicating a growth of 0.8%[48] - The total profit for the group for the nine months ended September 30, 2025, was RMB 2,638,597 thousand, compared to RMB 2,557,093 thousand in 2024, marking an increase of 3.2%[48] - The net profit for the group for the three months ended September 30, 2025, was RMB 633,671 thousand, slightly down from RMB 639,852 thousand in 2024, indicating a decrease of 0.3%[54] Assets and Liabilities - Total assets as of September 30, 2025, reached RMB 743,552,270 thousand, up 9.93% from the end of 2024[7] - The total liabilities reached RMB 685,937,978 thousand, up from RMB 620,070,469 thousand at the end of 2024, indicating an increase of about 10.66%[42] - The total equity attributable to shareholders was RMB 55,743,576 thousand, compared to RMB 54,445,031 thousand at the end of 2024, reflecting a growth of approximately 2.38%[44] - The bank's total assets under management increased significantly, with interbank lending rising by 57.69% to RMB 22,234,090 thousand compared to December 31, 2024[24] Loans and Deposits - Total loans and advances increased by 4.91% year-on-year, reaching RMB 406,716,657 thousand[7] - Customer deposits grew by 13.59% year-on-year, totaling RMB 459,517,775 thousand[7] - The total amount of loans classified as "normal" increased by 4.92% to RMB 391,274,006 thousand as of September 30, 2025[21] - The bank's loans and advances amounted to RMB 394,700,073 thousand, an increase from RMB 376,048,659 thousand at the end of 2024, showing a growth of about 4.37%[40] - The bank's total deposits reached RMB 470,280,431 thousand, compared to RMB 413,096,026 thousand at the end of 2024, indicating a growth of about 13.86%[42] Capital Adequacy and Ratios - The non-performing loan ratio stood at 1.76% as of September 30, 2025, slightly improved from 1.79% at the end of 2024[11] - The capital adequacy ratio was 12.00% as of September 30, 2025, meeting regulatory requirements[11] - As of September 30, 2025, the core tier 1 capital adequacy ratio is 8.76%, unchanged from December 31, 2024[16] - The total capital adequacy ratio stands at 12.00% as of September 30, 2025, slightly down from 12.06% at the end of 2024[16] - The leverage ratio decreased to 6.76% as of September 30, 2025, compared to 7.19% at the end of 2024[18] Cash Flow and Investments - Net cash flow from operating activities decreased by 41.13% in Q3 2025, totaling RMB 9,429,296 thousand[4] - The net cash inflow from operating activities for the group for the nine months ended September 30, 2025, was RMB 17,186,752,000, an increase of 47.5% compared to RMB 11,613,414,000 in the same period last year[60] - The net cash outflow from investment activities for the group was RMB 17,571,518,000, compared to RMB 5,521,555,000 in the previous year, indicating a significant increase in cash used for investments[62] - The total cash inflow from investment activities was RMB 86,778,609,000, compared to RMB 60,844,081,000 in the previous year, reflecting an increase of approximately 42.7%[62] - The bank's financial investments at fair value increased to RMB 48,107,116 thousand from RMB 32,484,947 thousand, reflecting a significant growth of approximately 48.00%[40] Shareholder Information - The number of ordinary shareholders reached 108,364, with A-share shareholders accounting for 108,314[27] - The total comprehensive income attributable to shareholders of the bank was RMB 257,642,000, down from RMB 491,681,000 in the same period last year, representing a decline of approximately 47.5%[56] - The basic and diluted earnings per share for the group remained stable at RMB 0.07 for both the current and previous periods[56] Other Financial Metrics - The liquidity coverage ratio is reported at 208.57% as of September 30, 2025, indicating strong liquidity position[19] - The group's credit impairment losses for the nine months ended September 30, 2025, were RMB 4,359,179 thousand, up from RMB 4,046,336 thousand in 2024, representing an increase of 7.7%[48] - The group's other comprehensive income for the nine months ended September 30, 2025, was RMB (798,664) thousand, compared to RMB 201,783 thousand in 2024, indicating a significant decline[50] - The total comprehensive income for the group for the three months ended September 30, 2025, was RMB 239,621,000, a decrease from RMB 481,262,000 in the same period last year, representing a decline of approximately 50.2%[56]

Core Viewpoint - Zhengzhou Bank's shares held by Henan Guoyuan Trading Co., Ltd. are set for judicial auction, with a total of 121 million shares (approximately 1.33% of total shares) to be auctioned at a starting price of 1.83 yuan per share, totaling 221 million yuan [1][4]. Group 1: Auction Details - The auction includes two batches of shares: 90.2 million shares starting on December 4 with a starting price of 165.066 million yuan, and 30.8 million shares starting on December 11 with a starting price of 56.364 million yuan [2][3]. - The total starting price for both batches is 221.43 million yuan, with the current share price of Zhengzhou Bank at 2.02 yuan as of October 29 [1][4]. Group 2: Shareholder Background - Henan Guoyuan Trading Co., Ltd. has been reducing its stake in Zhengzhou Bank, decreasing from 4.24% in 2023 to 3.53% in 2024, and further down to 2.55% by mid-2025 [7][11]. - The company initially acquired shares at higher prices, paying 5.304 billion yuan for 195 million shares at 2.72 yuan each in 2011 and 4.64 billion yuan for 100 million shares at 4.64 yuan each in 2020 [8][10]. Group 3: Management Changes - Zhengzhou Bank has experienced significant management changes, with the former chairman resigning in March 2023 due to legal issues, and a new chairman appointed in July 2023 [12][14]. - The bank has faced performance challenges, leading to a lack of dividends since 2020, but reported a net profit increase in 2024, with a proposed cash dividend of 0.2 yuan per 10 shares [15].

共赴财富新程 报告会在温馨庄重的氛围中拉开帷幕。郑州银行副行长孙润华先生为大会致开幕辞。他表示，在当前复杂的经济环境下，郑州银行始终坚定履行"专业财 富管家"的使命，以远见洞察未来，以专业守护价值，与客户携手穿越市场周期，共赴财富新征程。 洞见宏观 秋意正浓，智慧汇聚。近日，由郑州银行主办的携"首"共进，"郑"当时——2025年四季度投资策略报告会成功举办。本次盛会汇聚了业内专家与郑州银行 的尊贵客户，共同论道宏观大势，探寻资产配置的机遇与方向。 以智启程 布局未来 活动进入互动答疑环节，现场嘉宾围绕四季度大类资产配置、行业布局机遇等热点问题踊跃提问，专家团队结合市场动态与实操经验，逐一给予详尽而富 有见地的解答。现场思维活跃、交流深入，智慧的碰撞进一步坚定了大家的投资信心，将会场的热烈氛围推向高潮。 把脉时代律动 携"首"共进 价值永续 明晰大势，方能精准落子。首场主题演讲由首创证券资管事业部总裁助理陈辉博士以专业的视角，深入剖析了经济转型周期下的宏观经济形势与资本市场 展望，为投资者的战略布局提供了价值参考。 携"首"共进，"郑"当时。2025年四季度投资策略报告会已圆满落幕，这不仅是一场思想的盛宴，更是 ...

Core Viewpoint - The A-share listed banks are expected to show overall revenue and net profit growth in the third quarter of 2025, with improvements in asset quality and a narrowing decline in net interest margins [1][2][3]. Group 1: Financial Performance - Huaxia Bank reported operating income of 64.881 billion yuan, a year-on-year decrease of 8.79%, and net profit attributable to shareholders of 17.982 billion yuan, down 2.86%, with a narrowing decline of 5.09 percentage points compared to the first half of the year [1]. - Chongqing Bank achieved operating income of 11.740 billion yuan, a year-on-year increase of 10.40%, and net profit of 5.196 billion yuan, up 10.42% [2]. - Ping An Bank reported operating income of 100.668 billion yuan, a year-on-year decrease of 9.8%, and net profit of 38.339 billion yuan, down 3.5%, with a narrowing decline compared to the first half of the year [2]. Group 2: Market Trends - Ten banks have seen shareholding increases from shareholders and executives this year, indicating a positive outlook for the banking sector amid macroeconomic stabilization and easing monetary policy [3]. - Analysts expect cumulative revenue and net profit for listed banks in the first three quarters of 2025 to grow by 0.4% and 1.1% year-on-year, respectively, driven by a narrowing decline in net interest margins and reduced credit costs [3]. Group 3: Interest Margin Outlook - Zhongtai Securities suggests that the net interest margin for banks may stabilize in the third quarter due to reduced re-pricing pressure on assets and a greater decline in deposit rates compared to the Loan Prime Rate (LPR) [4]. - The projected increase in net interest margin for the third and fourth quarters is 0.7 basis points and 0.3 basis points, respectively, indicating stability in the banking sector [4]. Group 4: Related Stocks - Goldman Sachs reported that the A-shares and H-shares of major banks have recorded absolute returns of 12% and 21% year-to-date, driven by improvements in asset quality and narrowing declines in net interest margins [5]. - Ping An Insurance increased its stake in Postal Savings Bank, acquiring 6.416 million shares at an average price of 5.3638 HKD per share [6].

Group 1 - The core viewpoint is that Hong Kong bank stocks are experiencing a bullish trend, with Agricultural Bank of China reaching a new historical high and achieving a 10-day consecutive rise [1] - Morgan Stanley anticipates that after a seasonal adjustment in Q3, there will be good investment opportunities in Q4 and Q1 of the following year for domestic bank stocks [1] - Factors supporting the revaluation of Chinese banking stocks include upcoming dividend distributions, stabilized interest rates, a 500 billion RMB structural financial policy tool, and a more sustainable policy path [1] Group 2 - Agricultural Bank of China saw an increase of 1.04%, reaching a latest price of 5.820 [2] - Other banks also recorded gains, including Chongqing Bank (+0.91%), Zhengzhou Bank (+0.78%), and Zhejiang Bank (+0.77%) [2] - The overall trend indicates a positive performance across various banks, with notable increases in share prices for several institutions [2]