Core Viewpoint - Zhengzhou Bank demonstrated strong growth in both assets and profitability in the first half of 2025, achieving a total asset of 719.738 billion yuan, a year-on-year increase of 11.47%, along with continuous growth in operating income and net profit [1][2]. Group 1: Scale and Efficiency - As of mid-2025, Zhengzhou Bank's total assets reached 719.738 billion yuan, an increase of 43.373 billion yuan from the end of the previous year, marking a growth rate of 6.41% [2]. - The year-on-year growth rate of 11.47% is the highest since 2018, indicating a significant acceleration in the bank's growth trajectory [2]. - The bank's operating income for the first half of 2025 was 6.690 billion yuan, a year-on-year increase of 4.64%, while net profit reached 1.627 billion yuan, up 2.10% [1][3]. Group 2: Strategic Transformation and Business Optimization - Zhengzhou Bank's retail business revenue reached 1.236 billion yuan in the first half of 2025, a year-on-year increase of 3.56%, reflecting successful retail transformation efforts [4]. - Personal deposits surged to 258.098 billion yuan, an increase of 39.918 billion yuan from the end of the previous year, with a growth rate of 18.3% [4]. - The bank's total loans and advances amounted to 406.094 billion yuan, an increase of 18.404 billion yuan, with personal consumption loans reaching 20.695 billion yuan, up 20.72% [5][6]. Group 3: Asset Quality and Risk Management - As of June 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 year-on-year [7]. - The bank's provision coverage ratio stood at 179.20%, with capital adequacy ratios meeting regulatory requirements, indicating strong risk resilience [7].

Core Viewpoint - Zhengzhou Bank has demonstrated strong performance in the first half of 2025, achieving simultaneous growth in both revenue and profit, amidst a complex economic environment [1][3]. Financial Performance - The bank reported operating income of 6.69 billion yuan, an increase of 4.64% year-on-year, and a net profit attributable to shareholders of 1.63 billion yuan, up 2.1% year-on-year [3]. - This marks the second consecutive quarter of year-on-year growth in both operating income and net profit, indicating a stable and sustainable growth trajectory for the bank's profitability [3]. Asset Growth - As of the end of June 2025, Zhengzhou Bank's total assets reached 719.74 billion yuan, an increase of 43.37 billion yuan from the end of the previous year [5]. - The bank's asset growth has accelerated, with the latest "billion" growth cycle taking only two years, compared to three years previously, reflecting the bank's robust capacity to support regional economic development [5]. Loan and Deposit Performance - The total amount of loans and advances issued by Zhengzhou Bank reached 406.09 billion yuan, an increase of 18.40 billion yuan, or 4.75%, from the end of the previous year [6]. - Personal deposits grew significantly, with a balance of 258.10 billion yuan, an increase of 39.92 billion yuan, or 18.3%, positioning the bank among the top performers in the domestic city commercial bank sector [8]. Risk Management - As of June 2025, the non-performing loan balance stood at 7.17 billion yuan, with a non-performing loan ratio of 1.76%, down 0.11 percentage points year-on-year, indicating stable asset quality [10]. - The bank's provision coverage ratio was 179.20%, and its capital adequacy ratio was 11.85%, demonstrating strong risk management capabilities and compliance with regulatory requirements [10].

2025上半年郑州银行多项指标强势突破同期历史纪录。资产总额同比增幅达11.47%，增速创下自2018 年同期以来最高；个人存款余额、增速双双创下历史新高，截至6月末个人存款余额达2580.98亿元，同 比增长29.35%；上半年实现投资收益12.29亿元，创2021年以来同期最好表现。 规模稳步增长 金融活水更精准流向经济关键领域 8月28日晚间，郑州银行发布2025年半年度报告。作为根植河南的本土法人银行，郑州银行以"服务地方 经济、服务中小企业、服务城乡居民"为宗旨，上半年实现规模与质效同步提升，连续第二个财报季营 收与利润"双增长"。 截至2025年6月末，郑州银行资产总额7197.38亿元，同比增长11.47%；实现营业收入66.90亿元，同比 增长4.64%；归属于本行股东的净利润16.27亿元，同比增长2.1%。 郑州银行始终将风险防控放在重要位置，不断强化信用风险管理，加快不良资产处置。截至6月末，郑 州银行不良贷款余额为71.65亿元，不良贷款率为1.76%，较上年同期下降0.11个百分点。资产质量保持 稳定，不良率数年来持续下降。 截至6月末，郑州银行拨备覆盖率为179.20%；资本充足率 ...

Core Insights - Zhengzhou Bank reported a strong performance in the first half of 2025, achieving simultaneous growth in both revenue and profit for the second consecutive financial quarter [1][2] - The bank's total assets reached RMB 719.738 billion, a year-on-year increase of 11.47%, with operating income of RMB 6.690 billion, up 4.64%, and net profit attributable to shareholders of RMB 1.627 billion, growing by 2.1% [1] Financial Performance - As of June 30, 2025, Zhengzhou Bank's total deposits amounted to RMB 446.662 billion, an increase of RMB 60.3 billion or 15.61% year-on-year, outpacing the provincial growth rate by 6.41 percentage points [1] - Personal deposits saw significant growth, reaching RMB 258.098 billion, up RMB 39.918 billion from the end of the previous year, marking an 18.3% increase, positioning the bank among the leaders in the domestic city commercial bank sector [1] Investment and Revenue Growth - Despite a narrowing net interest margin, the bank optimized its investment portfolio, achieving investment income of RMB 1.229 billion, a remarkable year-on-year growth of 111.10% [2] - The bank's retail business revenue reached RMB 1.236 billion, the highest for the same period, reflecting a 3.56% increase compared to the previous year [2] Retail Strategy and Services - Zhengzhou Bank has successfully deepened its retail transformation strategy, focusing on citizen and rural finance, and has developed four key service areas: "Citizen Manager," "Financing Manager," "Wealth Manager," and "Rural Manager" [2] - The bank's inclusive finance initiatives are evident, with a balance of inclusive micro-loans reaching RMB 52.578 billion and a customer base of 70,839 clients with outstanding loans [2]

Core Viewpoint - Zhengzhou Bank has achieved simultaneous growth in scale and quality, with revenue and profit increasing for the second consecutive financial quarter, reflecting its commitment to serving the local economy and small and medium-sized enterprises [2][4]. Group 1: Steady Growth in Scale - As of June 30, 2025, Zhengzhou Bank's total assets reached 719.738 billion yuan, a year-on-year increase of 11.47%, marking the highest growth rate since 2018 [2][4]. - The bank's loan and advance total reached 406.094 billion yuan, with a year-on-year increase of 4.75%, driven by both corporate and retail lending [4]. Group 2: Continuous Improvement in Efficiency - Zhengzhou Bank's investment income reached 1.229 billion yuan, a year-on-year increase of 111.10%, indicating successful diversification in its business operations [6]. - The bank reduced its business and management expenses to 1.468 billion yuan, a decrease of 6.82% year-on-year, achieved through various efficiency-enhancing measures [6]. Group 3: Effective 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 [8]. - The bank's provision coverage ratio stood at 179.20%, demonstrating strong risk resistance capabilities [8]. Group 4: Retail Business Development - Zhengzhou Bank's retail business generated 1.236 billion yuan in revenue, a historical high with a year-on-year growth of 3.56% [10]. - Personal deposit balances reached 258.098 billion yuan, with an increase of 39.918 billion yuan, reflecting an 18.3% growth rate [10].

Core Viewpoint - Zhengzhou Bank has achieved simultaneous growth in scale and quality in the first half of 2025, with revenue and profit increasing for the second consecutive reporting period, reflecting its commitment to serving the local economy and small and medium-sized enterprises [1] 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%, with operating income of 6.690 billion yuan, up 4.64% year-on-year, and net profit attributable to shareholders of 1.627 billion yuan, an increase of 2.1% [1] - The bank's asset scale has steadily grown, crossing the 500 billion yuan mark at the end of 2019, surpassing 600 billion yuan in Q1 2023, and reaching 700 billion yuan in Q1 2025, indicating a significant acceleration in growth [2] Group 2: Loan and Credit Management - By the end of June, the total amount of loans and advances issued by Zhengzhou Bank was 406.094 billion yuan, an increase of 18.404 billion yuan, with a growth rate of 4.75% [3] - The bank has adopted a "one enterprise, one policy" approach to provide support to struggling enterprises, demonstrating its commitment to precise resource allocation [3] Group 3: Operational Efficiency - Zhengzhou Bank has improved operational efficiency through reforms and management optimization, achieving an investment income of 1.229 billion yuan, a year-on-year increase of 111.10% [4] - The bank has reduced business and management expenses to 1.468 billion yuan, a decrease of 1.07 billion yuan, representing a decline of 6.82% [4] Group 4: Risk Management - The bank has maintained a stable asset quality, with non-performing loans amounting to 7.165 billion yuan and a non-performing loan ratio of 1.76%, down 0.11 percentage points year-on-year [5] - Key risk management indicators, including a provision coverage ratio of 179.20% and a capital adequacy ratio of 11.85%, demonstrate the bank's strong risk resilience [5] Group 5: Retail Banking Strategy - Zhengzhou Bank's retail business generated an income of 1.236 billion yuan, a historical high with a year-on-year growth of 3.56% [6] - Personal deposits surged to 258.098 billion yuan, an increase of 39.918 billion yuan, with a growth rate of 18.3%, enhancing the bank's liability structure [6] Group 6: Consumer Loan Growth - The bank's personal consumer loan balance reached 20.695 billion yuan, an increase of 3.55 billion yuan, with a growth rate of 20.72%, while maintaining a non-performing loan ratio of 0.67% [7] - The bank's focus on optimizing its core product "Zheng e-loan (consumption)" has effectively met various financing needs of residents [7]

资产质量方面，截至报告期末，不良贷款率为1.76%，较上年末下降0.03个百分点；拨备覆盖率为 179.20%，较上年末降低3.79个百分点。 经济观察网 8月28日，郑州银行发布2025年中期业绩报告。报告期内，该行实现营业收入人民币66.90亿 元，较上年同期增加2.97亿元，增幅4.64%；实现净利润人民币16.66亿元，较上年同期增加0.17亿元， 增幅1.05%。 ...

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） 海外監管公告 本 公 告 由 鄭 州 銀 行 股 份 有 限 公 司（「本 行」）根 據 香 港 聯 合 交 易 所 有 限 公 司證券上市規則第13.10B條 作 出。 以 下 為 本 行 於 深 圳 證 券 交 易 所 網 站 發 佈 之《鄭 州 銀 行 股 份 有 限 公 司 第 八 屆 董 事 會 第 三 次 會 議 決 議 公 告》《鄭 州 銀 行 股 份 有 限 公 司 第 八 屆 監 事 會 第 三 次 會 議 決 議 公 告》《鄭 州 銀 行 股 份 ...

人民财讯8月28日电，郑州银行（002936）发布2025年半年报显示，上半年该行实现营业收入66.89亿 元，同比增长4.64%；实现归属于该行股东的净利润16.27亿元，同比增长2.1%。截至6月末，该行资产 总额7197.38亿元，较上年末增长6.41%；不良贷款率1.76%，较上年末下降了0.03个百分点。 ...

郑州银行（002936）(06196)公布2025年中期业绩，营业收入约66.97亿元，同比增长4.56%;归属于该行 股东的净利润约16.27亿元，同比增长2.1%;基本每股收益0.18元。 ...