银行板块9股本月创新高 4月24日，银行板块逆市上涨，行业指数收盘涨1.16%，领跑市场，中国银行、农业银行、工商银行股价均创历史新高，收盘分别上涨2.1%、2%、 1.83%。从长线来看，本月以来共有9只银行股盘中股价创历史新高，其中建设银行、交通银行、江苏银行等6股在本周一刷新历史高点。 （原标题："大象股"也疯狂！这个板块密集新高） 本月以来，共有9只银行股盘中突破历史新高，包括工农中建四大国有银行股。去年四季度，银行股业绩明显改善，今年一季度亦有多股报喜。银 行板块现金分红金额有望再创新高，12股年度分红超百亿元。 数据显示，本月以来股价突破历史新高的9只银行股中，5股属于国有大型银行，除工农中建四大行外，交通银行亦上榜。4股属于城商行，包括北 京银行、上海银行、江苏银行、成都银行。创新高的银行股今年以来股价稳健上涨，上海银行年内涨幅达到15.52%，工农中建四大行年内涨幅均 在6%以上。 4月以来，市场行情持续震荡，银行板块作为高股息、低估值的避险资产颇受资金青睐。数据显示，农业银行、宁波银行、中信银行近5日获主力 资金净流入均在1亿元以上，此外工商银行、无锡银行、邮储银行获主力资金净流入超6000 ...

Financial Performance - The Bank of Zhengzhou Co., Ltd. reported its audited consolidated annual results for the year ending December 31, 2024[2]. - Operating income was RMB 12.890 billion, while net profit was RMB 1.863 billion, representing a year-on-year growth of 0.21%[11]. - Operating revenue for 2024 was RMB 12,890,323 thousand, a decrease of 5.91% compared to RMB 13,699,410 thousand in 2023[22]. - Total profit increased by 2.69% to RMB 1,786,431 thousand from RMB 1,739,636 thousand in the previous year[22]. - Net profit attributable to shareholders was RMB 1,875,762 thousand, reflecting a 1.39% increase from RMB 1,850,117 thousand in 2023[22]. - The total amount of loans and advances (excluding accrued interest) was RMB 387,690,452 thousand, up 7.51% from RMB 360,608,206 thousand in 2023[23]. - The total assets of Zhengzhou Bank reached RMB 676.365 billion, an increase of 7.24% compared to the previous year[39]. - The total deposits absorbed by Zhengzhou Bank amounted to RMB 404.538 billion, reflecting a growth of 12.07% year-on-year[39]. - The non-performing loan ratio stood at 1.79%, with a provision coverage ratio of 182.99%[11]. Risk Management - The board confirmed that there are no significant risks affecting the bank's future development strategy and operational goals[7]. - The report includes a detailed description of the main risks faced by the bank and the measures taken to address them[7]. - Zhengzhou Bank is committed to risk management and compliance, focusing on credit risk management and enhancing its risk management efficiency[14]. - The non-performing loan ratio improved to 1.79%, down from 1.87% in the previous year[25]. - The provision coverage ratio for commercial banks stood at 211.19%, and the loan provision ratio was 3.18%[36]. Capital and Liquidity - The capital adequacy ratio stood at 12.06%, a decrease of 0.32% from 12.38% in 2023[25]. - The liquidity coverage ratio increased to 305.04%, up from 265.83% in the previous year[25]. - The core tier 1 capital adequacy ratio as of December 31, 2024, was 8.76%, a slight decrease from 8.90% at the end of 2023[183]. - The total capital adequacy ratio as of December 31, 2024, was 12.06%, down from 12.38% at the end of 2023[183]. - The net amount of tier 1 capital as of December 31, 2024, was RMB 53.937 billion, compared to RMB 50.719 billion at the end of 2023[185]. Loans and Advances - Total loans reached RMB 387.690 billion, with a year-on-year increase of 7.51%[11]. - Policy-oriented sci-tech financial loans amounted to RMB 48.269 billion, growing at a rate of 44.50%[12]. - Green finance loan balance reached RMB 9.146 billion, with a significant growth rate of 123.73%[12]. - The company's loan portfolio composition as of December 31, 2024, included corporate loans at RMB 268,943,624 thousand (69.37%), personal loans at RMB 90,956,747 thousand (23.46%), and bill discounting at RMB 27,790,081 thousand (7.17%)[95]. - The total amount of loans and advances was RMB 387.69 billion, with a non-performing loan rate of 1.79%[129]. Deposits and Funding - Total deposits reached RMB 404.54 billion, an increase of RMB 43.58 billion or 12.07% compared to the previous year[115]. - The bank's liabilities totaled RMB 620.07 billion, an increase of RMB 43.68 billion or 7.58% compared to the previous year[112]. - Deposits absorbed by the bank increased by RMB 46.57 billion, accounting for 66.62% of total liabilities[114]. Income and Expenses - The company's net interest margin decreased to 1.63% from 2.00% in the previous year[49]. - Non-interest income increased by 28.88% to RMB 2.53 billion, compared to RMB 1.96 billion in the previous year[47]. - Operating expenses amounted to RMB 3.904 billion, an increase of RMB 0.046 billion or 1.18% compared to the previous year[80]. - Interest expenses for the reporting period were RMB 12.991 billion, a decrease of RMB 0.029 billion or 0.22% year-on-year[66]. Strategic Initiatives - The bank aims to enhance its service to the real economy and deepen its business transformation by 2025[14]. - The company is focusing on the development of technology finance, green finance, inclusive finance, pension finance, and digital finance to support local economic development[187]. - The bank established 400 community volunteer service stations and 23 inclusive finance service ports, covering 2,363 villages and towns[13]. Awards and Recognition - The company received multiple awards in 2024, including "Best Retail Banking Customer Experience Award" and "Best ESG Management Listed Company"[44]. - The company ranked 6th in the "Top 100 Service Industry Enterprises in Henan Province" for 2024[44].

Financial Performance - Operating income for Q3 2024 was RMB 2,655,893 thousand, a decrease of 25.42% year-on-year[4] - Net profit attributable to shareholders for Q3 2024 was RMB 650,271 thousand, down 7.63% compared to the same period last year[4] - The net profit for the first nine months of 2024 was RMB 2,244,132 thousand, a decrease of 18.41% year-on-year[4] - The company reported a diluted earnings per share of RMB 0.07 for Q3 2024, down 12.50% from the previous year[4] - Operating income for the nine months ended September 30, 2024, was RMB 9,061,035, down 13.4% from RMB 10,464,658 in the same period of 2023[25] - Net profit for the nine months ended September 30, 2024, was RMB 2,288,964, a decrease of 19.6% compared to RMB 2,848,811 in the same period of 2023[25] - Net profit for the three months ended September 30, 2024, was RMB 639,852 thousand, down from RMB 734,328 thousand in the same period of 2023, reflecting a decrease of about 12.9%[27] - The company reported a decrease in commission income, with net commission income of RMB 349,854, down 20.9% from RMB 442,230 in the same period of 2023[25] Assets and Liabilities - Total assets as of September 30, 2024, reached RMB 666,626,085 thousand, an increase of 5.69% from the end of 2023[6] - Total liabilities as of September 30, 2024, were RMB 609,820,482 thousand, reflecting a 5.80% increase from the end of 2023[6] - The total amount of loans and advances increased by 6.41% to RMB 383,710,888 thousand compared to the end of 2023[6] - The total deposits reached RMB 396,909,399 thousand, a growth of 9.96% compared to the end of 2023[6] - The company's total assets as of September 30, 2024, amounted to RMB 666,626,085 thousand, an increase from RMB 630,709,429 thousand as of December 31, 2023, representing a growth of about 5.7%[29] - The total liabilities as of September 30, 2024, were RMB 609,820,482 thousand, up from RMB 576,394,573 thousand at the end of 2023, indicating an increase of approximately 5.8%[29] Equity and Capital Ratios - The weighted average return on equity (annualized) decreased by 0.68 percentage points to 5.82% in Q3 2024[4] - Net asset value per share increased to RMB 4.94, up 5.78% from RMB 4.67 at the end of 2023[6] - The capital adequacy ratio was 12.29%, maintaining a stable and reasonable level[18] - The core tier 1 capital adequacy ratio was 8.97%, slightly up from 8.90% at the end of 2023[11] - The liquidity coverage ratio was 199.11%, significantly above the regulatory requirement of 100%[10] Cash Flow - Operating cash flow before tax profit decreased to RMB 2,557,093 thousand from RMB 3,345,512 thousand, a decline of approximately 23.5% year-over-year[32] - Net cash flow from operating activities improved significantly to RMB 11,613,414 thousand compared to a negative cash flow of RMB 1,019,928 thousand in the previous year[33] - Net cash flow from investment activities was negative at RMB 5,521,555 thousand, worsening from a negative RMB 4,001,424 thousand in the same period last year[33] - Cash flow from financing activities showed a net outflow of RMB 8,067,981 thousand, contrasting with a net inflow of RMB 6,654,275 thousand in the previous year[33] - Total cash and cash equivalents decreased to RMB 10,030,682 thousand from RMB 12,151,348 thousand, reflecting a reduction of approximately 17.4%[33] - Interest received during the period was RMB 14,642,806 thousand, slightly down from RMB 15,097,962 thousand year-over-year[33] - Interest paid amounted to RMB 6,001,090 thousand, a decrease from RMB 6,910,657 thousand in the previous year[33] - The company reported a significant increase in net cash from financing activities due to bond issuance, totaling RMB 105,234,850 thousand[33] Shareholder Information - The total number of common shareholders at the end of the reporting period was 104,093, with 104,042 A-share shareholders and 51 H-share shareholders[19] - The top 10 common shareholders held a total of 3,000,000,000 shares, representing 33.33% of the total shares[20] - The top shareholder, Hong Kong Central Clearing (Agent), held 2,020,252,753 H-shares, accounting for 22.22% of total shares[19] - Zhengzhou Investment Holding Co., Ltd. held 608,105,180 A-shares, representing 6.69% of total shares, with 207,515,000 shares under pledge[19] - The company did not report any significant changes in the top shareholders or their participation in securities lending activities during the reporting period[22] Other Financial Metrics - The non-performing loan ratio stood at 1.86%, a decrease of 0.01 percentage points from the beginning of the year[18] - The provision coverage ratio was reported at 166.23%, indicating a strong buffer against potential loan losses[18] - The company recorded a net loss from financial investments of RMB 3,843,452 thousand, compared to a loss of RMB 4,054,440 thousand in the previous year[32] - The company achieved an operating income of RMB 9.06 billion and a net profit of RMB 2.29 billion during the reporting period[18] - For the nine months ended September 30, 2024, the total comprehensive income attributable to the company's shareholders was RMB 2,445,915 thousand, a decrease from RMB 2,877,861 thousand for the same period in 2023, representing a decline of approximately 15%[26] - The company reported a net fee and commission income of RMB 83,855 thousand for the three months ended September 30, 2024, compared to RMB 120,133 thousand for the same period in 2023, a decline of approximately 30.3%[27] - The fair value changes of equity instruments designated at fair value through other comprehensive income for the three months ended September 30, 2024, resulted in a loss of RMB 165,554 thousand, compared to a loss of RMB 51,911 thousand in the same period of 2023[28]

Financial Performance - Operating income for the first half of 2024 was RMB 6,405,142 thousand, a decrease of 7.22% compared to RMB 6,903,597 thousand in the same period of 2023 [11]. - Total profit for the first half of 2024 was RMB 1,869,575 thousand, down 26.02% from RMB 2,526,990 thousand in the first half of 2023 [11]. - Net profit attributable to shareholders for the first half of 2024 was RMB 1,593,861 thousand, a decline of 22.12% compared to RMB 2,046,633 thousand in the same period of 2023 [11]. - Basic earnings per share for the first half of 2024 were RMB 0.18, down 21.74% from RMB 0.23 in the same period of 2023 [11]. - The company achieved operating income of RMB 6.405 billion, a year-on-year decrease of 7.22% [27]. - Net profit for the period was RMB 1.649 billion, down 22.01% compared to the previous year [27]. - The company reported a significant decrease in pre-tax profit of RMB 657 million, down 26.02% from the previous year [28]. Assets and Liabilities - Total assets as of June 30, 2024, reached RMB 645,680,374 thousand, reflecting a 2.37% increase from RMB 630,709,429 thousand at the end of 2023 [12]. - Total liabilities as of June 30, 2024, were RMB 589,356,033 thousand, up 2.25% from RMB 576,394,573 thousand at the end of 2023 [12]. - Total deposits (excluding accrued interest) reached RMB 386,360,381 thousand, a growth of 7.04% compared to RMB 360,961,439 thousand at the end of 2023 [12]. - The bank's total liabilities amounted to RMB 589.36 billion, reflecting an increase of RMB 12.96 billion or 2.25% compared to the end of the previous year [68]. - The bank's total assets amounted to RMB 645.68 billion, an increase of RMB 14.97 billion, reflecting a growth rate of 2.37% from the end of the previous year [55]. Capital and Ratios - As of June 30, 2024, the core tier 1 capital adequacy ratio increased to 9.26%, up from 8.90% at the end of 2023, reflecting a 0.36% improvement [13]. - The total capital ratio improved to 12.68% as of June 30, 2024, up from 12.38% at the end of 2023 [112]. - The bank's leverage ratio stood at 7.50% as of June 30, 2024, slightly down from 7.60% at the end of 2023 [113]. - The liquidity coverage ratio decreased to 207.98% as of June 30, 2024, down from 265.83% at the end of 2023, a decline of 57.85% [14]. - The liquidity ratio is 74.83%, exceeding the regulatory requirement of at least 25% [135]. - The net stable funding ratio is 114.63%, also above the regulatory threshold of 100% [135]. Risk Management - The bank has not identified any significant risks that could adversely affect its future development strategy and operational goals during the reporting period [4]. - The provision coverage ratio improved significantly to 191.47% from 174.87% at the end of 2023, indicating a 16.60% increase [13]. - The bank has established a comprehensive reputation risk management system, enhancing risk assessment and monitoring mechanisms [137]. - The bank has strengthened risk management capabilities, continuously improving the comprehensive risk management system [131]. - The bank's operational risk management framework has been improved with new standards for risk measurement and management [134]. Loans and Advances - Total loans and advances (excluding accrued interest) amounted to RMB 372,827,943 thousand, an increase of 3.39% from RMB 360,608,206 thousand at the end of 2023 [12]. - The total amount of loans and advances is RMB 372,827,943 thousand, with 95.88% classified as normal loans as of June 30, 2024 [77]. - The bank's credit loans amounted to RMB 73.09 billion, with an NPL ratio of 1.31%, while guaranteed loans totaled RMB 165.56 billion with an NPL ratio of 1.74% [82]. - The overdue loans totaled RMB 17.32 billion, representing 4.65% of total loans, an increase of RMB 2.5 billion or 16.87% from the previous year [86]. - The bank's agricultural loan balance reached RMB 83.295 billion, an increase of RMB 1.056 billion or 1.28% compared to the end of the previous year [140]. Income and Expenses - Interest income decreased by RMB 630 million, a decline of 10.64%, accounting for 82.68% of total operating income [29]. - Interest expenses for the period totaled RMB 6.48 billion, an increase of RMB 10 million or 0.16% year-on-year, influenced by changes in liability scale and interest costs [40]. - The total income tax expense for the reporting period was RMB 220.46 million, a decrease of RMB 192.04 million, representing a decline of 46.56% compared to the same period last year [54]. - Operating expenses totaled RMB 1.66 billion, up RMB 141 million or 9.26% year-over-year [48]. - The bank's net interest margin decreased to 1.70%, down 0.36 percentage points year-on-year, while the net interest yield fell to 1.80%, a decrease of 0.33 percentage points compared to the previous year [34]. Corporate Governance - The company has established a comprehensive corporate governance structure, ensuring compliance with relevant laws and regulations [192]. - The company held its 2023 Annual General Meeting on June 27, 2024, with a participation rate of 40.60% [193]. - The board of directors confirmed that no cash dividends or bonus shares will be distributed for the first half of 2024 [4]. - The company has a total of 52,470 shares held by the deputy president, with no changes during the reporting period [171]. - The company has adopted a securities trading code of conduct for directors and supervisors, ensuring compliance with relevant regulations [176]. Employee and Workforce - As of the reporting period, the company had a total of 5,822 employees, with 5,258 in the main bank and 564 in subsidiaries [180]. - The largest employee group is in retail banking, comprising 1,874 employees, which accounts for 32.19% of the total workforce [181]. - The employee age distribution shows that 3,583 employees are aged between 31 and 40, making up 61.61% of the workforce [182]. - The bank's compensation policy emphasizes fairness, competitiveness, and incentivization, with a focus on performance-based pay to motivate employees [185]. - The bank has established a comprehensive training system to enhance the overall capabilities and innovation skills of its employees, aligning with the provincial government's goal of building a first-class urban commercial bank [184]. Strategic Initiatives - The bank is focused on supporting local economic development and small and medium-sized enterprises, aligning with national and regional strategic initiatives [114]. - The bank aims to enhance financial services for rural revitalization, with 4,947 new merchant service points established in rural areas [141]. - The bank plans to focus on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance to support business development [142]. - The bank has actively implemented the national rural revitalization strategy, enhancing rural financial service channels and experiences [124]. - The bank is committed to supporting the stable and healthy development of the real estate market and local industry clusters [142].

Financial Performance - Bank of Zhengzhou Co., Ltd. reported its unaudited consolidated interim results for the six months ended June 30, 2024[1]. - Operating income for the first half of 2024 was RMB 6,405,142 thousand, a decrease of 7.22% compared to RMB 6,903,597 thousand in the same period of 2023[11]. - Total profit for the first half of 2024 was RMB 1,869,575 thousand, down 26.02% from RMB 2,526,990 thousand in the first half of 2023[11]. - Net profit attributable to shareholders for the first half of 2024 was RMB 1,593,861 thousand, a decline of 22.12% compared to RMB 2,046,633 thousand in the same period of 2023[11]. - Basic earnings per share for the first half of 2024 were RMB 0.18, down 21.74% from RMB 0.23 in the same period of 2023[11]. - The company will not distribute cash dividends or bonus shares for the first half of 2024[4]. Assets and Liabilities - The total assets as of June 30, 2024, reached RMB 645,680,374 thousand, reflecting a growth of 2.37% from RMB 630,709,429 thousand at the end of 2023[12]. - Total liabilities as of June 30, 2024, were RMB 589,356,033 thousand, up 2.25% from RMB 576,394,573 thousand at the end of 2023[12]. - Total deposits (excluding accrued interest) reached RMB 386,360,381 thousand, a rise of 7.04% from RMB 360,961,439 thousand at the end of 2023[12]. - Total loans and advances (excluding accrued interest) amounted to RMB 372,827,943 thousand, an increase of 3.39% from RMB 360,608,206 thousand at the end of 2023[12]. Capital and Ratios - As of June 30, 2024, the Core Tier 1 Capital Ratio increased to 9.26%, up from 8.90% at the end of 2023, reflecting a change of 0.36%[13]. - The total capital net amount as of June 30, 2024, was RMB 60,260,538 thousand, reflecting a growth of 6.90% from RMB 56,372,605 thousand at the end of 2023[12]. - The total capital adequacy ratio improved to 12.68% as of June 30, 2024, up from 12.38% at the end of 2023[112]. - The bank's leverage ratio stood at 7.50% as of June 30, 2024, slightly down from 7.60% at the end of 2023[113]. Risk Management - The board confirmed that there are no significant risks affecting the company's future development strategy and operational goals[4]. - The Non-Performing Loan Ratio remained stable at 1.87% as of June 30, 2024, compared to 1.88% at the end of 2022[13]. - The Provision Coverage Ratio improved to 191.47% as of June 30, 2024, an increase of 16.60% from 174.87% at the end of 2023[13]. - The bank continues to enhance credit risk management and accelerate the disposal of non-performing assets[76]. Economic Context - The total asset growth rate for the first half of 2024 was supported by a GDP growth of 5.0% in China, with industrial production increasing by 6.0%[18]. - In the first half of 2024, the GDP of Henan Province grew by 4.9% year-on-year, with the primary, secondary, and tertiary industries growing by 3.7%, 7.5%, and 3.2% respectively[19]. Employee and Governance - The company has a total of 52,470 shares held by the deputy president, with no changes during the reporting period[171]. - The company has established a comprehensive training system to enhance the overall capabilities and innovation skills of its employees, aligning with the provincial government's goal of building a first-class urban commercial bank[184]. - The company confirmed that all directors and supervisors complied with the securities trading code during the reporting period[176]. - The current board and supervisory committee's term has been extended to ensure continuity during the upcoming election process[168]. Shareholder Information - The total number of shareholders for ordinary shares at the end of the reporting period is 99,412, with 99,361 A-share shareholders and 51 H-share shareholders[148]. - The largest shareholder, Hong Kong Central Clearing (Agent), holds 2,020,252,753 H-shares, representing 22.22% of the total shares[149]. - The report confirms that there were no changes in the shareholding structure of the top 10 shareholders compared to the previous period[155]. Financial Products and Services - The bank's wealth management products ecosystem has been diversified, with the "Zhenghao Wealth" series continuously improving and expanding categories such as cash management and stable investment, achieving a comprehensive product matrix[123]. - The bank has launched customized financial products for elderly clients, addressing their retirement planning needs[123]. - The bank aims to enhance financial services for rural residents by increasing the number of rural financial service points to 4,947[141].

Financial Performance - For Q1 2024, the net profit attributable to shareholders was RMB 967,445,000, a decrease of 18.57% compared to RMB 1,188,068,000 in Q1 2023[3] - Operating income for Q1 2024 was RMB 3,407,584,000, representing a 3.43% increase from RMB 3,294,537,000 in the same period last year[3] - The net profit for the three months ended March 31, 2024, was RMB 991,224 thousand, a decrease from RMB 1,239,919 thousand in the same period of 2023, representing a decline of approximately 20.1%[23] - The company's operating profit for the first quarter of 2024 was RMB 1,154,993 thousand, down from RMB 1,493,968 thousand in the previous year, representing a decline of about 22.7%[23] - Total comprehensive income for the three months ended March 31, 2024, was RMB 1,283,968 thousand, slightly up from RMB 1,241,778 thousand in the same period last year, marking an increase of about 3.4%[24] - The net interest income for the first quarter of 2024 was RMB 2,856,050 thousand, compared to RMB 2,945,535 thousand in the previous year, indicating a decrease of approximately 3.0%[23] - The company reported a total interest income of RMB 6,081,712 thousand for the first quarter of 2024, compared to RMB 6,152,198 thousand in the same period of 2023, reflecting a decrease of approximately 1.2%[23] Asset and Liability Management - Total assets as of March 31, 2024, were RMB 632,851,641,000, reflecting a 0.34% increase from RMB 630,709,429,000 at the end of 2023[5] - The total amount of loans and advances was RMB 364,889,260,000, up by 1.19% from RMB 360,608,206,000 at the end of 2023[5] - The company's cash and cash equivalents decreased to RMB 24,032,893 thousand from RMB 26,369,865 thousand, representing a decline of approximately 8.8%[25] - Total liabilities increased marginally to RMB 577,252,817 thousand from RMB 576,394,573 thousand, indicating a growth of about 0.15%[26] - Shareholders' equity rose to RMB 55,598,824 thousand from RMB 54,314,856 thousand, reflecting an increase of approximately 2.36%[27] - The company's total loans and advances increased to RMB 353,111,796 thousand from RMB 350,325,297 thousand, marking a growth of approximately 0.8%[25] Cash Flow Analysis - The net cash flow from operating activities was RMB (102,343,000), a significant improvement of 85.06% from RMB (685,074,000) in Q1 2023[3] - The net cash flow from operating activities for the three months ended March 31, 2024, was RMB 1,974,726 thousand, compared to RMB 1,949,540 thousand for the same period in 2023, showing a slight increase of 1.3%[28] - Investment activities resulted in a net cash outflow of RMB 3,534,432 thousand for the three months ended March 31, 2024, compared to RMB 3,084,685 thousand in the same period of 2023[32] - The net cash flow from financing activities was RMB 294,666 thousand, a significant decrease from RMB 3,289,500 thousand in the previous year[32] Capital Adequacy and Ratios - The core tier 1 capital adequacy ratio was 8.54%, down from 8.90% at the end of 2023, but still above the regulatory requirement of 7.5%[8] - The capital adequacy ratio decreased to 11.85% as of March 31, 2024, compared to 12.38% at the end of 2023[10] - The leverage ratio was reported at 7.52% as of March 31, 2024, slightly down from 7.60% at the end of 2023[11] - The liquidity coverage ratio was 182.53%, significantly above the regulatory requirement of 100%[8] - The liquidity coverage ratio stood at 182.53% as of March 31, 2024, indicating strong liquidity management[12] Income Sources - The net income from fees and commissions dropped by 31.62% year-on-year to RMB 110,412 thousand, primarily due to a decrease in agency and custody business scale[14] - Trading net income surged by 240.28% year-on-year to RMB 152,236 thousand, driven by fair value changes in financial assets[14] - Investment net income rose by 87.66% year-on-year to RMB 244,512 thousand, attributed to increased returns from trading bonds[14] Customer Engagement and Services - The bank signed contracts with 554 community service points and established presence in 357 locations, enhancing customer service channels[16] - The balance of policy-oriented science and technology financial loans increased by 7.94% since the beginning of the year, supporting innovation-driven development[16] Shareholder Information - The company has not engaged in any share repurchase transactions during the reporting period[21] - There were no significant changes in the top ten shareholders or their shareholding status compared to the previous period[21]

Financial Performance - Operating revenue for 2023 was RMB 13,699,410 thousand, a decrease of 10.03% compared to RMB 15,225,843 thousand in 2022[24]. - Total profit for 2023 was RMB 1,739,636 thousand, down 38.03% from RMB 2,807,230 thousand in the previous year[24]. - Net profit attributable to shareholders for 2023 was RMB 1,850,117 thousand, representing a decline of 23.62% from RMB 2,422,304 thousand in 2022[24]. - Net cash flow from operating activities for 2023 was RMB 1,648,102 thousand, a significant improvement from a negative cash flow of RMB 31,350,017 thousand in 2022[24]. - Total assets at the end of 2023 reached RMB 630,709,429 thousand, an increase of 6.63% from RMB 591,513,618 thousand at the end of 2022[24]. - Total liabilities at the end of 2023 were RMB 576,394,573 thousand, up 6.96% from RMB 538,888,382 thousand in 2022[24]. - The total amount of loans and advances issued (excluding accrued interest) was RMB 360,608,206 thousand, an increase of 8.97% from RMB 330,921,097 thousand in 2022[24]. - Basic earnings per share for 2023 were RMB 0.15, a decrease of 6.25% from RMB 0.16 in 2022[24]. - The total equity attributable to shareholders at the end of 2023 was RMB 52,452,824 thousand, a 3.31% increase from RMB 50,772,566 thousand in 2022[24]. Risk Management - The company did not identify any significant risks that would adversely affect its future development strategy and operational goals during the reporting period[7]. - The report includes a detailed description of the main risks faced by the company and the measures taken to address them, found in the "Management Discussion and Analysis" section[7]. - The company is enhancing its digital risk control capabilities and optimizing corporate governance to improve operational management[15]. - The company emphasizes the importance of party leadership in financial work to ensure effective governance and operational efficiency[15]. - The company is committed to enhancing compliance management and risk control, aiming for stable and healthy business development[49]. Strategic Initiatives - The company is committed to high-quality development strategies, focusing on stability and progress, and aims to contribute to the modernization of Zhengzhou as a national central city[18]. - The company is actively participating in the "Rural Revitalization" initiative by establishing rural financial service points and promoting financial literacy in rural areas[18]. - The company is focusing on the integration of financial resources into key social development areas and addressing societal challenges through various initiatives[16]. - The company aims to strengthen the integration of talent, technology, capital, and industry chains to enhance its operational mechanisms[16]. - The company implemented a differentiated interest rate pricing mechanism to support local industries, reducing project fees and promoting interest-free renewals[16]. Subsidiaries and Investments - The company operates several subsidiaries, including Henan Jiuding Financial Leasing Co., Ltd., and various village banks[7]. - The bank's subsidiary, Jiuding Financial Leasing Company, reported total assets of RMB 35,010,000,000 and net profit of RMB 350,000,000 for the reporting period[161]. - The bank's investment in Zhongmou Zhengyin Village Bank increased its shareholding from 18.53% to 49.51% after acquiring shares from 78 shareholders[158]. - The company holds 49.51% of Zhongmu Zhengyin Village Bank and 49.58% of Yanling Zhengyin Village Bank, focusing on supporting agriculture and small enterprises[170]. Loan and Deposit Activities - A total of 16,579 microfinance loans were granted interest reductions amounting to RMB 23.34 million during the year[18]. - The bank's total deposits amounted to RMB 360.961 billion, growing by 6.89% year-on-year[41]. - Loans and advances totaled RMB 360.608 billion, reflecting an 8.97% increase from the previous year[41]. - Personal deposits reached RMB 168.643 billion, an increase of 19.55% year-on-year, while personal loans grew to RMB 84.147 billion, up 3.48%[196]. - The bank provided supply chain financial services with a loan balance of RMB 22.668 billion to core enterprises and their upstream and downstream customers by the end of the reporting period[191]. Financial Ratios and Metrics - Core Tier 1 capital adequacy ratio decreased to 8.90% in 2023 from 9.29% in 2022, a decline of 0.39 percentage points[25]. - Non-performing loan ratio slightly improved to 1.87% in 2023 from 1.88% in 2022, a decrease of 0.01 percentage points[25]. - Provision coverage ratio increased to 174.87% in 2023 from 165.73% in 2022, an increase of 9.14 percentage points[25]. - Weighted average return on equity decreased to 3.29% in 2023 from 3.53% in 2022, a decline of 0.24 percentage points[25]. - Total assets return decreased to 0.30% in 2023 from 0.45% in 2022, a decline of 0.15 percentage points[25]. Compliance and Governance - The company emphasizes strengthening risk management and compliance to ensure stable development of its subsidiaries[174]. - The capital management goals include meeting regulatory requirements and ensuring capital levels align with risk management[175]. - The company conducts regular stress tests to assess capital adequacy under adverse conditions[178]. - The capital adequacy ratio is calculated based on the regulations set by the former China Banking and Insurance Regulatory Commission[180]. Awards and Recognition - The company has been recognized with multiple awards in 2023, including the "Best Social Responsibility Bank" by the Financial Times[52].

Financial Performance - Bank of Zhengzhou Co., Ltd. reported its audited consolidated annual results for the year ended December 31, 2023[1]. - Operating revenue for 2023 was RMB 13,699,410 thousand, a decrease of 10.03% compared to RMB 15,225,843 thousand in 2022[24]. - Total profit for 2023 was RMB 1,739,636 thousand, down 38.03% from RMB 2,807,230 thousand in 2022[24]. - Net profit attributable to shareholders for 2023 was RMB 1,850,117 thousand, a decline of 23.62% from RMB 2,422,304 thousand in 2022[24]. - Operating income for Q4 2023 was 3,234,752 thousand RMB, down from 3,561,061 thousand RMB in Q3 2023[32]. - The company achieved operating revenue of RMB 13.70 billion, a year-on-year decrease of 10.03%[54]. - Net profit for the period was RMB 1.86 billion, down 28.48% compared to the previous year[54]. - The net interest income was RMB 11.74 billion, representing a decline of 4.20% year-on-year[58]. - Non-interest income decreased significantly by 34.06%, amounting to RMB 1.96 billion[55]. - The company reported a pre-tax profit of RMB 1.74 billion, a decrease of 38.03% from the previous year[55]. Assets and Liabilities - Total assets at the end of 2023 reached RMB 630,709,429 thousand, an increase of 6.63% from RMB 591,513,618 thousand at the end of 2022[24]. - Total liabilities at the end of 2023 were RMB 576,394,573 thousand, up 6.96% from RMB 538,888,382 thousand at the end of 2022[24]. - The total amount of loans and advances issued (excluding accrued interest) was RMB 360,608,206 thousand, an increase of 8.97% from RMB 330,921,097 thousand in 2022[24]. - The total amount of deposits absorbed by Zhengzhou Bank was RMB 360.961 billion, growing by 6.89% year-on-year[41]. - The total amount of personal loans was RMB 84.15 billion, with an NPL ratio of 1.72%[131]. Risk Management - The company has not identified any major risks that could adversely affect its future development strategy and operational goals[7]. - The report includes a detailed description of the main risks faced by the company and the measures taken to address them[7]. - The company aims to strengthen its risk management systems and enhance digital risk control capabilities[15]. - The non-performing loan ratio slightly improved to 1.87% in 2023 from 1.88% in 2022, a decrease of 0.01 percentage points[25]. - The provision coverage ratio increased to 174.87% in 2023, up from 165.73% in 2022, an increase of 9.14 percentage points[25]. Corporate Governance and Compliance - The board of directors confirmed that the financial data is accurate and complete, with no significant omissions or misleading statements[7]. - The company plans to continue optimizing corporate governance and enhance operational management levels as a solid backing for sustainable development[15]. - The company is actively enhancing its compliance management and internal control systems to ensure stable operations[49]. - The company emphasizes strengthening risk management and compliance to ensure stable development of its subsidiaries[174]. Strategic Initiatives - The company is committed to high-quality development and aims to contribute to the modernization of Zhengzhou as a national central city[18]. - The company has initiated strategic planning adjustments to adapt to changing market conditions and maintain a focus on high-quality development[15]. - The company launched various innovative financial products, including "Technology Talent Loan" and "Intellectual Property Pledge Loan," to support the full lifecycle of technological innovation[16]. - The company is actively involved in rural revitalization efforts, including the establishment of rural financial service points and the launch of a mobile banking app tailored for rural areas[18]. - The company emphasizes the importance of serving the real economy and has implemented measures to alleviate financial burdens on enterprises[16]. Capital and Investments - The capital adequacy ratio decreased to 12.38% from 12.72% year-over-year, indicating a decline in capital strength[181]. - Core Tier 1 capital increased to CNY 40,526,517 thousand as of December 31, 2023, compared to CNY 40,383,351 thousand a year earlier, reflecting a slight growth of 0.35%[181]. - The company’s bond investments included RMB 65.74 billion in government bonds, representing 35.00% of total bond investments, up from 30.94% in the previous year[108]. - The company issued bonds totaling RMB 102.07 billion, which accounted for 17.71% of total liabilities, an increase from 17.63% in 2022[115]. Customer and Market Engagement - The bank's credit card business generated operating income of RMB 170 million, with transaction amounts reaching RMB 19.805 billion, reflecting a growth of 28.48% year-on-year[200]. - The bank's cumulative issuance of rural revitalization cards reached 171,800, with an increase of 83,000 cards compared to the end of the previous year[196]. - The bank actively promoted online supply chain services, providing financing services to over 1,000 core enterprise suppliers, with over 90% being small and micro enterprises[191]. - The bank facilitated 94 matching transactions, amounting to RMB 19.045 billion, enhancing core customer relationships[194].

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: 2023年11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: 2023年12月6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 | 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 | | 2. ...

证券代码：002936 证券简称：郑州银行 公告编号：2023-052 郑州银行股份有限公司 关于诉讼事项的公告 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： 1.案件所处的诉讼阶段：立案受理，尚未开庭审理 2.上市公司所处的当事人地位：原告 3.涉案的金额：借款本金 63,998 万元及利息、罚息、复利等 4.对上市公司损益产生的影响：本行已对该笔贷款计提了相应贷款损失准备， 不会对本行的本期利润或期后利润产生重大影响。 2、诉讼各方当事人名称： 原告：本行商鼎路支行 被告一：河南汇艺置业有限公司 被告二：李慧 被告三：司德贤 1 被告四：李景香 一、本次诉讼事项受理的基本情况 本行商鼎路支行就与河南汇艺置业有限公司、李慧、司德贤、李景香、蒋燕、 李亚东金融借款合同纠纷一案向郑州市中级人民法院提起诉讼，于近日收到郑州 市中级人民法院的受理案件通知书。 二、有关本案的情况 1、受理机构：郑州市中级人民法院 被告五：蒋燕 被告六：李亚东 3、诉讼案件事实简述： 2020 年 8 月 20 日，原告与被告一签订《固定资产 ...