证券代码：002936 证券简称：郑州银行 公告编号：2023-044 郑州银行股份有限公司 首次公开发行 A 股前已发行股份上市流通提示性公告 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 1.本次限售股上市流通数量为 5,613,962 股，占本行 A 股股份的 0.0794%， 占本行总股本的 0.0617%。 2.本次限售股上市流通日期为 2023 年 9 月 19 日（星期二）。 一、首次公开发行 A 股前已发行股份概况及上市后股本变动情况 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首次公开发行 股票的批复》（证监许可[2018]1199 号）核准，本行向社会首次公开发行人民币 普通股（A 股）600,000,000 股。经深圳证券交易所《关于郑州银行股份有限公司 人民币普通股股票上市的通知》（深证上[2018]444 号）同意，本行于 2018 年 9 月 19 日在深圳证券交易所挂牌上市。首次公开发行 A 股前，本行总股本 5,321,931,900 股，发行后本行总股本 5,921,931, ...

招商证券股份有限公司 关于郑州银行股份有限公司首次公开发行 A 股前 已发行股份部分解除限售并上市流通的核查意见 招商证券股份有限公司（以下简称"招商证券"、"保荐机构"）作为郑州银 行股份有限公司（以下简称"郑州银行"或"公司"）持续督导的保荐机构，根 据《证券发行上市保荐业务管理办法》《深圳证券交易所股票上市规则》《深圳证 券交易所上市公司自律监管指引第 13 号——保荐业务》等法律法规和规范性文 件的要求，对郑州银行首次公开发行前已发行股份部分解除限售并上市流通事项 进行了审慎核查。具体情况如下： 一、首次公开发行 A 股前已发行股份概况 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首次公开发行 股票的批复》（证监许可[2018]1199 号）核准，公司向社会首次公开发行人民币 普通股（A 股）股票 600,000,000 股。经深圳证券交易所《关于郑州银行股份有 限公司人民币普通股股票上市的通知》（深证上[2018]444 号）同意，公司于 2018 年 9 月 19 日在深圳证券交易所挂牌上市。首次公开发行 A 股前，公司总股本 5,321,931,900 股，发行后公司总股本 5,921 ...

Financial Performance - Operating income for the first half of 2023 was RMB 6,903,597 thousand, a decrease of 8.74% compared to RMB 7,564,388 thousand in the same period of 2022[16]. - Total profit for the first half of 2023 was RMB 2,526,990 thousand, down 22.14% from RMB 3,245,690 thousand in the previous year[16]. - Net profit attributable to shareholders for the first half of 2023 was RMB 2,046,633 thousand, a decline of 19.14% compared to RMB 2,531,066 thousand in the same period of 2022[16]. - Total operating income decreased to RMB 6.90 billion, a decline of 8.74% from the previous year[37]. - The company achieved a net profit of RMB 2.11 billion, a decrease of 19.67% compared to the previous year[36]. - Net interest income was RMB 5.93 billion, down 5.12% year-on-year, accounting for 85.84% of total operating income[38]. - Non-interest income fell to RMB 977.81 million, a significant drop of 25.85% year-on-year[37]. - The average yield on interest-earning assets decreased to 4.46%, while the average cost of interest-bearing liabilities was 2.40%[39]. - The net interest margin (annualized) was recorded at 2.06%[39]. - The weighted average return on equity (annualized) decreased to 9.77%, down by 2.50% from 12.27% in the previous year[17]. Assets and Liabilities - Total assets as of June 30, 2023, reached RMB 616,859,397 thousand, an increase of 4.28% from RMB 591,513,618 thousand at the end of 2022[16]. - Total liabilities as of June 30, 2023, were RMB 561,945,824 thousand, up 4.28% from RMB 538,888,382 thousand at the end of 2022[16]. - Total loans and advances (excluding accrued interest) amounted to RMB 351,144,063 thousand, reflecting a growth of 6.11% from RMB 330,921,097 thousand in the previous year[16]. - Total deposits (excluding accrued interest) reached RMB 353,415,379 thousand, an increase of 4.65% compared to RMB 337,708,162 thousand in the previous year[16]. - The total amount of debt investments reached RMB 189.74 billion, an increase from RMB 184.07 billion at the end of 2022, representing a growth of 4.54%[78]. - The bank's total liabilities amounted to RMB 561.95 billion, an increase of RMB 23.06 billion or 4.28% compared to the end of 2022[83]. Risk Management - The company did not identify any significant risks that could adversely affect its future development strategy and operational goals during the reporting period[6]. - The report includes a detailed description of the main risks faced by the company and the measures taken to address them[6]. - The company emphasizes the importance of risk awareness regarding forward-looking statements made in the report[6]. - The non-performing loan ratio stands at 1.87%, slightly improved from 1.88% at the end of 2022[17]. - The provision coverage ratio has increased to 167.45%, up from 165.73% at the end of 2022[17]. - The bank has strengthened unified credit management and risk preference policies to enhance credit risk management[168]. - The bank has implemented a comprehensive operational risk management framework to minimize operational losses[170]. Capital and Shareholder Information - The total number of ordinary shares increased from 8,265,537,599 to 9,092,091,358 due to a capital reserve conversion of 826,553,759 shares[183]. - The total number of shares held by the top 10 shareholders reflects their interests and positions as of the reporting date[199]. - The total number of ordinary shareholders at the end of the reporting period was 99,731, with 99,677 being A-share shareholders and 54 being H-share shareholders[190]. - The largest shareholder, Zhengzhou Finance Bureau, has a direct and indirect holding of 1,418,761,196 shares, which is 20.06% of the A shares[200]. - The top 10 ordinary shareholders collectively held 4,000,000,000 shares, with Hong Kong Central Clearing Limited holding 2,020,248,927 shares, representing 22.22% of the total[191]. Sustainability and Corporate Governance - The report is printed on environmentally friendly paper, reflecting the company's commitment to sustainability[4]. - The company emphasizes a customer-centric culture and aims to enhance customer experience through its "Heart Finance" philosophy[38]. - The company has implemented a talent development strategy, including a management trainee program and a comprehensive training plan[38]. - The company was awarded several honors, including recognition as an advanced unit in preventing and handling illegal fundraising[34]. - The bank has not faced any administrative penalties related to environmental issues during the reporting period[178]. Economic Context - In the first half of 2023, China's GDP reached RMB 59,303.4 billion, reflecting a year-on-year growth of 5.5%[22]. - The retail sales of consumer goods in China increased by 8.2% year-on-year in the first half of 2023, indicating a recovery in consumption[22]. - The total social financing scale increased by RMB 21.55 trillion, which is RMB 475.4 billion more than the previous year[25]. - The balance of loans to the manufacturing sector grew by 40.3% year-on-year, significantly higher than the average loan growth rate[25]. Digital Transformation and Innovation - The bank has focused on digital financial innovation to enhance service for new citizens and rural populations[32]. - The bank aims to enhance business and technology integration, accelerating digital transformation and improving data service capabilities[180]. - The bank's mobile banking platform has signed up 3.2 million customers, a 16% increase from the previous year, with transaction amounts reaching RMB 365.2 billion[164]. - The bank has implemented over 20 optimization features for corporate electronic channels during the reporting period, enhancing product service capabilities[165]. Community Engagement and Support - The company’s inclusive small and micro enterprise loans reached a balance of RMB 46.69 billion, an increase of 5.41% compared to the beginning of the year, serving 67,330 clients[159]. - The company’s community finance initiatives engaged over 1.36 million participants, generating an increase of RMB 278 million in personal financial assets[160]. - The bank has established a rural financial department to support high-quality development of rural financial services[179].

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 致：香港交易及結算所有限公司 截至月份: 2023年8月31日 狀態: 新提交 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9月6日 | 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. 股份分類 | 普通股 | 股份 ...

Financial Performance - Bank of Zhengzhou reported an unaudited consolidated interim performance for the six months ended June 30, 2023[1]. - Operating revenue for the first half of 2023 was RMB 6,903,597, a decrease of 8.74% compared to RMB 7,564,388 in the same period of 2022[14]. - Net profit attributable to shareholders was RMB 2,046,633, down 19.14% from RMB 2,531,066 in the previous year[14]. - The bank achieved a net profit of RMB 2.114 billion for the reporting period, a decrease of 19.67% compared to the previous year[34]. - Total operating income decreased to RMB 6.904 billion, reflecting a decline of 8.74% from the previous year[35]. - Non-interest income fell to RMB 978 million, a significant drop of 25.85% year-on-year[35]. - Net interest income was RMB 5.926 billion, down 5.12% year-on-year, accounting for 85.84% of total operating income[36]. - The bank's operating profit decreased by 22.80% to RMB 2.503 billion compared to the same period last year[35]. Assets and Liabilities - Total assets increased by 4.28% to RMB 616,859,397 from RMB 591,513,618 at the end of 2022[14]. - The bank's total liabilities amounted to RMB 561.95 billion, an increase of RMB 23.06 billion or 4.28% compared to the end of the previous year[81]. - Customer deposits totaled RMB 353.41 billion, reflecting an increase of RMB 15.71 billion or 4.65% from the previous year-end[83]. - The total amount of loans and advances increased by 6.11% to RMB 351,144,063 from RMB 330,921,097 at the end of 2022[14]. - The bank's total equity reached RMB 54.91 billion, up RMB 2.29 billion or 4.35% from the end of the previous year[86]. Capital and Dividends - The bank plans not to distribute cash dividends or bonus shares for the first half of 2023[4]. - The bank's capital reserve will be converted into shares at a ratio of 1 share for every 10 shares held, as part of the 2022 annual dividend distribution plan[6]. - The total number of issued shares increased from 8,265,537,599 to 9,092,091,358 shares due to a capital reserve conversion of 826,553,759 shares[181]. - The company implemented a capital reserve conversion, increasing the number of ordinary shares from 8,265,537,599 to 9,092,091,358, resulting in a 10% increase in shares[182]. Risk Management - The report indicates no significant risks affecting the bank's future development strategy and operational goals[4]. - The bank's non-performing loan ratio improved slightly to 1.87% from 1.88% at the end of 2022[15]. - The bank's liquidity coverage ratio decreased significantly to 205.17% from 300.13% at the end of 2022[16]. - The bank's risk management framework has been continuously optimized to enhance risk management capabilities and effectiveness[165]. - The bank has implemented online monitoring for information technology risk management, enhancing the identification of potential risks[172]. Economic Context - In the first half of 2023, China's GDP reached RMB 59.3 trillion, growing by 5.5% year-on-year, with the primary, secondary, and tertiary industries growing by 3.7%, 4.3%, and 6.4% respectively[20]. - The total retail sales of consumer goods in China increased by 8.2% year-on-year in the first half of 2023, indicating a recovery in consumer spending[20]. - The total amount of social financing in the first half of 2023 was RMB 21.55 trillion, an increase of RMB 475.4 billion compared to the previous year[23]. Customer and Market Engagement - The bank has served over 190,000 rural residents and individual businesses, adding more than 30,000 new high-quality customers during the reporting period[26]. - The bank's focus on high-quality development has led to enhanced customer management, resulting in 10,830 new corporate accounts opened during the reporting period[139]. - The bank's mobile banking customer base reached 3.2 million, a growth of 16% compared to the end of the previous year[162]. - The bank's electronic channels have opened 70,000 accounts, with transaction amounts reaching RMB 7.3 trillion during the reporting period[151]. Shareholder Information - The total number of ordinary shareholders at the end of the reporting period is 99,731, with 99,677 being A-share shareholders and 54 being H-share shareholders[188]. - The largest shareholder, Hong Kong Central Clearing (Agent) Co., Ltd., holds 22.22% of H shares, totaling 2,020,248,927 shares, with an increase of 183,660,203 shares during the reporting period[189]. - Zhengzhou Investment Holding Co., Ltd. holds 6.69% of A shares, totaling 608,105,180 shares, with an increase of 55,282,289 shares during the reporting period[189]. - The report indicates that there are no dilutive potential ordinary shares affecting the earnings calculations[186]. Strategic Initiatives - The bank is focused on digital financial innovation, enhancing the customer experience in online and offline consumption loans[26]. - Zhengzhou Bank aims to build a platform-based financial ecosystem by integrating trade, information, capital, and logistics flows[28]. - The bank's strategy includes supporting stable and healthy development in the real estate sector and promoting policy-oriented financial innovation[178]. - The bank has implemented measures to strengthen anti-money laundering management, including the revision of 2 internal control systems and the enhancement of risk monitoring capabilities[175].

《郑州银行股份有限公司关联交易管理办法》修订对比表 | 序号 | 现行条款 | 修订后条款 | | --- | --- | --- | | | 第一条 为进一步加强郑州银行股份有限公司（以下简称"本公司"）关 | 第一条 为进一步加强郑州银行股份有限公司（以下简称"本公司"）关联交 | | | 联交易管理，规范本公司关联交易行为，防范关联交易风险，促进本公司 | 易管理，规范本公司关联交易行为，防范关联交易风险，促进本公司安全、独 | | | 安全、独立、稳健运行，确保本公司关联交易行为不损害本公司全体股东 | 立、稳健运行，确保本公司关联交易行为不损害本公司全体股东及本公司客户 | | | 及本公司客户的利益，根据中国银行保险监督管理委员会（以下简称"中 | 的利益，根据原中国银行保险监督管理委员会（以下简称"中国银保监会"） | | | | （现已变更为国家金融监督管理总局）《银行保险机构关联交易管理办法》（以 | | | 国银保监会"）《银行保险机构关联交易管理办法》和《商业银行股权管 | 下简称"国家金融监督管理总局《银行保险机构关联交易管理办法》"）和《商 | | 1 | 理暂行办法》、中国证券监督 ...

证券代码：002936 证券简称：郑州银行 公告编号：2023-042 郑州银行股份有限公司 特此公告。 关于行长辞任的公告 郑州银行股份有限公司董事会 2023 年 8 月 30 日 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。 1 本行收到赵飞先生的辞任报告，因工作调整，辞去本行行长职务。根据《公 司法》、本行《公司章程》等有关规定，赵飞先生的辞任自辞任报告送达董事会 时生效。辞任后，赵飞先生继续担任本行董事长、执行董事、董事会战略发展委 员会及消费者权益保护工作委员会委员职务。经本行第七届董事会第十次会议审 议通过，由本行副行长孙海刚先生代为履行行长职责。 赵飞先生已确认其与本行董事会并无不一致意见，也无任何与其辞去职务有 关而需通知本行股东及债权人的事项。 ...

证券代码：002936 证券简称：郑州银行 公告编号：2023-040 郑州银行股份有限公司 第七届董事会第十次会议决议公告 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 本行于 2023 年 8 月 15 日以电子邮件及书面方式向全体董事发出关于召开 第七届董事会第十次会议的通知，会议于 2023 年 8 月 29 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 非执行董事王世豪先生，独立非执行董事宋科先生、李淑贤女士以电话或视频接 入方式出席会议。本行全体监事列席会议。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》和本行《公司 章程》的规定。本次会议合法有效。会议由董事长赵飞先生主持。 二、会议审议情况 （一）会议审议通过了《郑州银行股份有限公司 2023 年上半年经营管理工 作报告》。 本议案同意票 9 票，反对票 0 票，弃权票 0 票。 （二）会议审议通过了《关于郑州银行股份有限公司 2023 年 ...

证券代码：002936 证券简称：郑州银行 公告编号：2023-041 第七届监事会第十次会议决议公告 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 2023 年 8 月 18 日以电子邮件及书面方式向全体监事发出关于召开 第七届监事会第十次会议的通知，会议于 2023 年 8 月 29 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 5 人，实际出席 5 人，其中 外部监事徐长生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》和本行《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陈新秀女士主持。 二、会议审议情况 （一）会议审议通过了《关于郑州银行股份有限公司 2023 年半年度报告及 摘要的议案》。 本议案同意票 5 票，反对票 0 票，弃权票 0 票。 经审核，监事会认为：董事会编制和审议本行 2023 年半年度报告及摘要的 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 ...

关于拟变更非执行董事的公告 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。 证券代码：002936 证券简称：郑州银行 公告编号：2023-043 郑州银行股份有限公司 魏磊先生的简历详见本行于 2023 年 8 月 30 日 在 巨 潮 资 讯 网 （http://www.cninfo.com.cn）发布的《郑州银行股份有限公司第七届董事会第十 次会议决议公告》。本行独立非执行董事就上述事项发表了独立意见，详见本行 于 2023 年 8 月 30 日在巨潮资讯网（http://www.cninfo.com.cn）发布的《郑州银 1 行股份有限公司独立非执行董事对相关事项的独立意见》。 特此公告。 郑州银行股份有限公司董事会 2023 年 8 月 30 日 2 本行收到姬宏俊先生的辞任报告，因到龄退休，辞去本行第七届董事会非执 行董事及董事会风险管理委员会、关联交易控制委员会及消费者权益保护工作委 员会委员职务。姬宏俊先生的辞任自辞任报告送达董事会时生效。辞任后，姬宏 俊先生将不再担任本行及本行控股子公司任何职务。 截至本公告日， ...