Group 1 - Hong Kong Stock Exchange data shows that on August 27, Hongkang Life Insurance Co., Ltd. increased its stake in Zhengzhou Bank by purchasing 15 million shares at a price of HKD 1.38 per share, totaling HKD 20.7 million [1] - After the purchase, Hongkang Life's total shareholding in Zhengzhou Bank reached approximately 429 million shares, representing a holding percentage of 21.24% [1]

Core Viewpoint - Zhengzhou Bank demonstrates resilience and high-quality development amidst a complex economic environment, achieving growth in both revenue and profit for the second consecutive reporting season [1][2]. Financial Performance - As of June 30, 2025, Zhengzhou Bank's total assets reached 719.738 billion yuan, a 6.41% increase from the previous year [1]. - The bank reported a non-performing loan (NPL) ratio of 1.76%, down 0.11 percentage points year-on-year [1]. - Operating income for the first half of 2025 was 6.690 billion yuan, a 4.64% increase year-on-year, while net profit attributable to shareholders was 1.627 billion yuan, up 2.1% [1]. Business Segments - Company banking business generated 3.546 billion yuan in revenue, remaining the core business pillar, while retail banking revenue reached 1.236 billion yuan, marking a 3.56% increase year-on-year [2]. - The bank's funding business saw a significant revenue increase of 26.62%, totaling 1.895 billion yuan [2]. Retail Transformation - Zhengzhou Bank has implemented a customer-centric approach, launching four key service models: "Citizen Manager," "Financing Manager," "Wealth Manager," and "Rural Manager" to enhance retail business [3]. - As of June 30, 2025, the balance of inclusive micro-loans reached 52.578 billion yuan, serving over 70,800 clients [3]. - Personal deposits increased by 39.918 billion yuan to 258.098 billion yuan, reflecting an 18.3% growth [3]. Risk Management - The bank maintains a low NPL ratio of 0.67% for personal consumption loans, significantly below the industry average, showcasing effective risk management [4]. - As of June 30, 2025, the NPL balance was 7.165 billion yuan, with a coverage ratio of 179.20% and a capital adequacy ratio of 11.85% [9][10]. Strategic Focus - Zhengzhou Bank emphasizes supporting local economic development, aligning with national policies to enhance consumption and investment in key sectors [6][7]. - The bank has actively engaged in financing major projects and supporting industries such as technology innovation and green development [7][8]. Future Outlook - Looking ahead, Zhengzhou Bank aims to deepen reforms and innovations, focusing on high-quality development and enhancing its service capabilities to contribute to regional economic growth [10].

中证报中证网讯(王珞)近日，郑州银行（002936）发布2025年半年度报告。报告显示，郑州银行秉 持"服务地方经济、服务中小企业、服务城乡居民"的市场定位，实现了规模与质效的同步提升，以亮眼 成绩助力实体经济稳健发展。 资产规模稳健增长服务根基更加坚实 截至2025年6月末，郑州银行资产总额突破7000亿元大关，达7197.38亿元，同比增长11.47%，增速创下 2018年同期以来的历史新高。从发展历程来看，自2019年末总资产突破5000亿元大关后，历经多年稳步 发展，资产总额不断攀升，每一次跨越千亿台阶的时间逐渐缩短，彰显了"郑银速度"，也为服务地方经 济筑牢了更加坚实的根基。 郑州银行始终将风险防控视为发展的生命线，持续强化信用风险管理，加快不良资产处置步伐。截至6 月末，该行不良贷款余额为71.65亿元，不良贷款率为1.76%，较上年末下降0.03个百分点，资产质量保 持稳定且呈优化态势。 在关键风险指标方面，郑州银行拨备覆盖率达179.20%，资本充足率为11.85%，一级资本充足率为 10.59%，核心一级资本充足率为8.60%，各项指标均符合监管要求，彰显了较强的风险抵御能力，为业 务的持续 ...

近日，郑州银行（002936）发布2025年半年度报告，作为扎根河南的本土法人银行，其上半年经营成绩 在复杂经济环境中格外亮眼。 数据显示，该行资产总额突破7197亿元大关，同比增长11.47%，增速创2018年同期以来新高；营业收 入66.90亿元、归属于股东净利润16.27亿元，连续第二个财报季实现"双增长"。更值得关注的是，个人 存款余额猛增399亿元、零售业务收入首破12亿元、投资收益同比激增111%等多项指标刷新纪录，勾勒 出地方银行服务实体经济的强劲韧性。 这份成绩单的背后，是郑州银行始终坚守"服务地方经济、服务中小企业、服务城乡居民"的宗旨，将自 身发展深度融入区域经济大局的实践成果。从2019年末总资产跨越5000亿元，到2023年一季度突破6000 亿元，再到2025年一季度站上7000亿元新台阶，该行"千亿增长周期"从三年缩短至两年，不仅刷新 了"郑银速度"，更以金融"活水"精准灌溉实体经济关键领域，用扎实业绩践行金融工作的政治性与人民 性。资产规模跨上新台阶：超7100亿元背后的区域金融担当 截至2025年6月末，郑州银行资产总额达7197.38亿元，较上年末增加433.73亿元，增幅6 ...

Core Viewpoint - Zhengzhou Bank's 2025 semi-annual performance report highlights its commitment to serving local economies, small and medium-sized enterprises, and urban and rural residents, achieving significant growth in assets, revenue, and net profit [1] Group 1: Financial Performance - As of June 30, Zhengzhou Bank's total assets reached 719.74 billion yuan, a year-to-date increase of 6.41% and a year-on-year increase of 11.47%, marking the highest growth rate for the same period since 2018 [2] - The bank's operating income for the first half of 2025 was 6.69 billion yuan, a year-on-year increase of 4.64%, while net profit attributable to shareholders was 1.63 billion yuan, up 2.1% year-on-year [2] Group 2: Retail Transformation - Retail banking has become a key driver of Zhengzhou Bank's high-quality development, with retail income reaching 1.24 billion yuan, a historical high and a year-on-year increase of 3.56% [3] - Personal deposits surged to 258.10 billion yuan, an increase of 39.92 billion yuan or 18.3% from the end of the previous year, significantly improving the bank's liability structure [3] - Personal consumption loans exceeded 20.69 billion yuan, growing 20.72% year-to-date, with a non-performing loan ratio of 0.67%, down 1.14 percentage points from the same period last year [3] Group 3: Asset Quality and Risk Management - Zhengzhou Bank maintained stable asset quality, with a non-performing loan ratio of 1.76%, down 0.11 percentage points year-on-year [4] - As of June 30, the bank's provision coverage ratio was 179.20%, with a capital adequacy ratio of 11.85%, indicating strong risk resilience [4] Group 4: Future Outlook - The bank plans to continue its focus on serving local economies and small businesses, deepen its retail transformation strategy, and enhance risk management while promoting digital transformation [5] - Zhengzhou Bank aims to contribute to regional economic development by aligning with national strategic initiatives, demonstrating its ability to achieve coordinated growth in quality, efficiency, and scale [5]

面对纷繁复杂的国内外经济金融形势，郑州银行（002936）稳扎稳打，日前交出了一份"量质齐升"的中报答卷，多项经营指标强势突破历史记录。上半 年，在规模增长再攀高峰的同时，郑州银行的业务结构持续优化，营收与利润延续"双增"，且资产质量进一步夯实。与此同时，该行零售转型成效日益凸 显，客户价值创造能力实现新跨越。 在当前银行业净息差持续收窄的背景下，郑州银行展现出了强大的经营韧性，上半年该行盈利能力延续良好趋势，实现营业收入66.90亿元，较上年同期 增幅4.64%，实现归属于本行股东的净利润16.27亿元，较上年同期增幅2.1%。 进一步细看，资金业务成为该行重要的利润增长极。凭借卓越的资产配置与市场把握能力，截至6月末，郑州银行实现投资收益12.29亿元，同比增长 111.10%，创下2021年以来同期最好表现，成为非息收入的重要贡献板块，这也是该行在业务多元化发展探索上的显著成效。 值得一提的是，这已是郑州银行本年度连续第二个财报季达成营业收入与归属于股东净利润的同比"双增长"，这背后除了业务持续拓展的推动，也离不开 该行一以贯之的精细化管理理念与实践。 根植郑州、深耕河南，郑州银行始终坚守"服务地方经济 ...

Core Viewpoint - Zhengzhou Bank has demonstrated strong performance in the first half of 2025, achieving simultaneous growth in both revenue and profit, reflecting its commitment to serving the local economy and small enterprises [1][8]. Group 1: Financial Performance - As of June 30, 2025, Zhengzhou Bank's total assets reached 719.738 billion yuan, a year-on-year increase of 11.47% [1]. - The bank's operating income for the first half of 2025 was 6.690 billion yuan, up 4.64% year-on-year, while net profit attributable to shareholders was 1.627 billion yuan, reflecting a 2.1% increase [1]. - The bank's asset scale has shown steady growth, crossing the 700 billion yuan mark in the first quarter of 2025, with a significant increase in asset growth rate compared to previous years [2][3]. Group 2: Loan and Credit Management - By the end of June 2025, the total amount of loans and advances issued by Zhengzhou Bank was 406.094 billion yuan, an increase of 18.404 billion yuan, representing a growth of 4.75% [3]. - The bank's corporate loans amounted to 274.623 billion yuan, with a year-on-year increase of 2.11%, while personal loans reached 94.556 billion yuan, up 3.96% [3]. Group 3: Operational Efficiency - Zhengzhou Bank achieved an investment income of 1.229 billion yuan, a remarkable year-on-year growth of 111.10%, despite a narrowing net interest margin [4]. - The bank reduced its business and management expenses to 1.468 billion yuan, a decrease of 1.07 billion yuan, or 6.82% year-on-year, showcasing effective cost management [4]. Group 4: Risk Management - As of June 30, 2025, Zhengzhou Bank's non-performing loan balance was 7.165 billion yuan, with a non-performing loan ratio of 1.76%, down 0.11 percentage points from the previous year [5]. - The bank's provision coverage ratio stood at 179.20%, with a capital adequacy ratio of 11.85%, indicating strong risk management capabilities [5]. Group 5: Retail Banking Development - Zhengzhou Bank's retail banking segment generated an income of 1.236 billion yuan, marking a year-on-year increase of 3.56% [6][7]. - Personal deposits surged to 258.098 billion yuan, an increase of 39.918 billion yuan, or 18.3%, enhancing the bank's liability structure [7]. - The bank's personal consumption loan balance reached 20.695 billion yuan, with a growth rate of 20.72%, while maintaining a low non-performing loan ratio of 0.67% [7].

Core Viewpoint - Zhengzhou Bank's 2025 mid-year report indicates stable growth in assets and income, but faces challenges from narrowing net interest margins and potential asset quality pressures [1][2][4]. Financial Performance - As of June 30, 2025, total assets reached 719.738 billion yuan, a 6.41% increase from the previous year [1] - Operating income was 6.690 billion yuan, up 4.64% year-on-year [1] - Net profit attributable to shareholders was 1.627 billion yuan, reflecting a 2.10% increase [1] - Net interest income was 5.351 billion yuan, a slight increase of 1.04% [1][2] - Non-interest income totaled 1.339 billion yuan, a significant increase of 22.02% [1][3] Asset Quality - The non-performing loan (NPL) ratio stood at 1.76%, a decrease of 0.03 percentage points from the previous year [1][4] - Credit impairment losses increased by 10.86% year-on-year, indicating a cautious approach to potential risks [1][2] - The total amount of non-performing loans rose by 2.42 million yuan to 7.165 billion yuan [4][5] - Overdue loans increased by 1.550 billion yuan to 21.088 billion yuan, with an overdue loan ratio of 5.19% [5] Revenue Structure - Interest income accounted for 79.98% of total income, indicating a traditional banking model [3] - Non-interest income growth was primarily driven by investment income, which surged by 111.10% to 1.229 billion yuan [3] - Fee and commission income decreased by 11.94%, highlighting challenges in traditional intermediary business [3] Regulatory Indicators - The bank's provision coverage ratio was 179.20%, and the loan provision ratio was 3.16%, both within industry standards [1][4] - The bank's capital adequacy ratios met regulatory requirements, indicating a stable financial position [1] Strategic Outlook - The bank's future growth is closely tied to its ability to adapt to digital transformation and optimize its asset and client structure [6] - Current market valuations are low, reflecting pessimism about industry challenges, but may offer opportunities for long-term investors [6]

郑州银行股份有限公司 BANK OF ZHENGZHOU CO., LTD. 会议材料 股东大会议程 召开时间：2025年9月18日（星期四）上午9点 目 录 一、2025 年第一次临时股东大会议案 特别决议案 二、2025 年第一次 A 股类别股东大会议案 特别决议案 关于修订《郑州银行股份有限公司章程》及 不再设立监事会的议案 各位股东： 根据《中华人民共和国公司法》（以下简称"《公司法》"）、《上 市公司章程指引》 《关于新 <公司法> 配套制度规则实施相关过渡期安排》 《国家金融监督管理总局关于公司治理监管规定与公司法衔接有关事项 的通知》等法律法规及监管规定，结合郑州银行股份有限公司（以下简称 "本行"）公司治理实际，拟对《郑州银行股份有限公司章程》（以下简 称"《公司章程》"）进行修订。本次修订主要涉及不再设立监事会及其 专门委员会并由董事会审计委员会承接监事会职责、股东会及董事会职权 调整、落实《公司法》等其他相关要求等。具体内容请参见本行 2025 年 （http://www.zzbank.cn）披露的《 <郑州银行股份有限公司章程> 修订对比 表》。 同时，自《公司章程》获国家金融监督管理总 ...

Meeting Overview - Zhengzhou Bank will hold its first extraordinary general meeting of shareholders, first A-share class meeting, and first H-share class meeting on September 18, 2025, starting at 9:00 AM [1][2] - The meetings will be conducted in compliance with relevant laws, regulations, and the bank's articles of association [2] Voting Details - The meetings will allow both on-site voting and online voting through the Shenzhen Stock Exchange's internet voting system, with voting times from 9:15 AM to 3:00 PM on the same day [2][3] - A-share shareholders can choose one voting method: on-site, trading system, or internet voting, with the first valid vote being counted in case of duplicates [2][3] Attendance and Registration - The record date for shareholders to attend the meeting is September 15, 2025 [3] - All registered A-share ordinary shareholders can attend, and they may appoint a proxy to represent them [3][6] - Registration for attendance will take place from September 15 to September 18, 2025, at the bank's headquarters [6] Agenda Items - The agenda includes two special resolutions that require approval from at least two-thirds of the voting rights held by attending shareholders [5][4] - The specific content of the proposals will be disclosed on the bank's official website prior to the meeting [5][4] Contact Information - For inquiries, shareholders can contact the bank's representatives via provided phone numbers and email [6]