Group 1 - The report details the changes in the registered capital of Zhengzhou Bank Co., Ltd. as of August 31, 2025, indicating no increase or decrease in the registered capital, which remains at RMB 2,020,458,000 for H-shares and RMB 7,071,633,358 for Shenzhen Stock Exchange shares, totaling RMB 9,092,091,358 [1] - The number of issued shares for H-shares is confirmed to be 2,020,458,000 with no changes, while for Shenzhen Stock Exchange shares, it remains at 7,071,633,358, also with no changes [1] - The report confirms compliance with all applicable listing rules and regulations regarding the issuance and transfer of securities, ensuring that all necessary conditions for listing have been fulfilled [2][3] Group 2 - The report states that all payments due from the issuance or transfer of shares have been received by the issuer, and all required documentation has been filed with the relevant authorities [2] - It is confirmed that all securities are identical in terms of rights and obligations, including dividend entitlements and voting rights [3] - The report emphasizes that all legal requirements have been adhered to, including the preparation and signing of trust deeds or agreements related to bonds or other securities [2][3]

Group 1 - The core point of the article is that Zhengzhou Bank is recruiting a Chief Information Officer (CIO) to enhance its information technology management and digital transformation efforts [1] - The job requirements include extensive experience in commercial bank information technology management, major project construction, system operation management, and information technology risk management [1] - Candidates with experience in leading or implementing large-scale technology projects in state-owned commercial banks, national joint-stock commercial banks, or leading city commercial banks/rural commercial banks will be prioritized [1]

Group 1 - The core viewpoint of the articles indicates that insurance capital (险资) is increasingly favoring bank stocks, with significant holdings in various sectors, particularly banking, transportation, and telecommunications [1][3][5]. - As of the end of Q2 2025, insurance capital held a total of 730 stocks, with a combined holding of 61.919 billion shares valued at 628.985 billion yuan, showing an increase in both quantity and market value compared to Q1 [3][5]. - Among the top ten heavy holdings of insurance capital, six are bank stocks, including Minsheng Bank, Pudong Development Bank, and Zhejiang Bank, highlighting a strong preference for the banking sector [3][4]. Group 2 - Insurance capital is expected to continue optimizing its equity investment structure, focusing on high-dividend stocks and new productive forces in the upcoming quarters [2][8]. - In Q2, insurance capital increased its holdings in several key stocks, including CITIC Bank, Beijing-Shanghai High-Speed Railway, and China Telecom, with significant increases in share quantities [6][7]. - The insurance sector is actively seeking investment opportunities in high-dividend and innovative sectors, with a focus on technology innovation, advanced manufacturing, and new consumption [8].

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: 2025年8月31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: 2025年9月4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 (如上市) | 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 | | ...

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: 2025年8月31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: 2025年9月4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 (如上市) | 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 | | ...

半年报显示，2025年上半年，郑州银行实现营业收入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%。投资收益表现突 出，凭借卓越的资产配置与市场把握能力，上半年郑州银行实现投资收益12.29亿元，创2021年以来同期最好表现。 零售业务收入创同期历史新高 截至2025年上半年末，郑州银行资产总额为7197.38亿元，较上年末增加433.73亿元，增幅6.41%。在一季度资产站上7000亿新台阶之后，郑州银行规模体量 稳步增长，上半年资产规模增加量已接近去年全年。 从2019年年末跨越5000亿元里程碑，再到2023年一季度末突破6000亿元，并于2025年一季度末成功跃上7000亿元新高度，清晰的增长轨迹充分彰显了郑州银 行强劲的发展韧性与活力。 作者：柳白 8月28日，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，该行始终坚守金融工作的政治性与人民性，以"服务地方经济、服务中小企业、 服务城乡居民"为宗旨，在上半年复杂多变的经济环境中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"，多项指标强势突破同期历史记 录，用扎实成果践行使命担当。 ...

Investment Rating - The report indicates a positive outlook for the banking industry, with overall revenue and net profit growth rates turning positive in the first half of 2025, at 1.0% and 0.8% respectively, showing improvements from the previous quarter [4]. Core Insights - The banking sector's net interest margin for the first half of 2025 is reported at 1.42%, a decrease of 10 basis points compared to the previous year, but the decline is narrowing due to improved cost management on the liability side [5]. - Non-interest income, particularly from fees and commissions, has increased by 3.1% year-on-year, driven by a recovery in wealth management and a more active market environment [5]. - The asset quality remains stable, with a non-performing loan ratio of 1.23% and a provision coverage ratio of 239%, indicating a solid credit environment [5]. Summary by Sections Financial Performance Overview - The overall revenue and net profit growth for listed banks in the first half of 2025 were 1.0% and 0.8%, respectively, with both metrics showing improvement from the first quarter [4][22]. - The total assets of listed banks reached 321.3 trillion yuan, growing by 6.35% year-to-date, with loans and advances totaling 179.4 trillion yuan, accounting for 55.84% of total assets [21][24]. Income Sources - Net interest income decreased by 1.3% year-on-year, but the decline rate has slowed, reflecting better management of funding costs [5]. - Fee and commission income grew by 3.1% year-on-year, benefiting from a recovering market and the gradual impact of regulatory changes [5]. - Other non-interest income saw a significant increase of 10.7%, primarily due to favorable market conditions in the bond market [5]. Asset Quality and Management - The non-performing loan ratio remained stable at 1.23%, with a provision coverage ratio of 239%, indicating a robust asset quality [5]. - The credit cost for the first half of 2025 was 0.81%, a decrease of 5 basis points year-on-year, suggesting manageable credit risks [5]. Loan Growth and Composition - Loan growth was primarily driven by corporate lending, with significant contributions from infrastructure and manufacturing sectors [20]. - Personal loan growth was weaker, with a year-on-year increase of only 3.6%, reflecting a cautious approach to consumer lending amid rising risks [20]. Investment and Market Conditions - The investment asset proportion decreased to 34% as banks adjusted their strategies in response to market volatility [20]. - The overall yield on bonds fluctuated significantly, prompting banks to engage in tactical trading to enhance returns [20].

Core Viewpoint - Zhengzhou Bank has demonstrated robust growth in both scale and efficiency, achieving consecutive revenue and profit increases over two financial reporting periods, while breaking multiple historical records in various metrics [1][7]. Group 1: Scale and Efficiency Growth - As of June 30, 2025, Zhengzhou Bank's total assets reached 719.738 billion yuan, an increase of 43.373 billion yuan, or 6.41%, compared to the end of the previous year, marking a historical peak since 2018 [1]. - The bank's loan and advance total reached 406.094 billion yuan, with a growth of 18.404 billion yuan, or 4.75% [1]. - The bank's deposit principal amounted to 446.662 billion yuan, an increase of 60.3 billion yuan, or 15.61%, significantly outpacing the provincial growth rate [3]. Group 2: Loan Structure and Retail Business - Corporate loan balance stood at 274.623 billion yuan, with a growth of 2.11%, while personal loan balance reached 94.556 billion yuan, increasing by 3.96% [2]. - Personal consumption loans exceeded 20.6 billion yuan, growing by 20.72%, addressing various consumer financing needs [2][5]. Group 3: Revenue and Cost Management - The bank achieved an operating income of 6.690 billion yuan, a year-on-year increase of 4.64%, and a net profit attributable to shareholders of 1.627 billion yuan, up 2.1% [3]. - Investment income surged to 1.229 billion yuan, a staggering increase of 111.1%, marking the best performance since 2021 [3]. - The bank reduced business and management expenses to 1.468 billion yuan, a decrease of 1.07 billion yuan, or 6.82%, through refined management practices [3]. Group 4: Retail Business Transformation and Risk Control - Retail business revenue reached 1.236 billion yuan, a year-on-year increase of 3.56%, with a focus on small and micro enterprises [5]. - The non-performing loan balance was 7.165 billion yuan, with a non-performing loan ratio of 1.76%, reflecting a continuous decline [6]. - The bank's capital adequacy ratio stood at 11.85%, with a core tier 1 capital ratio of 8.60%, indicating solid capital support for future business expansion [6]. Group 5: Conclusion - Zhengzhou Bank's performance reflects its commitment to serving the local economy and adapting to complex environments, showcasing a model for local banks to achieve quality growth [7].

Core Viewpoint - Zhengzhou Bank has successfully transformed its performance in the first half of 2025, achieving significant growth in profit and revenue amidst a challenging banking environment [2][3]. Financial Performance - In the first half of 2025, Zhengzhou Bank reported revenue of 6.69 billion yuan and net profit attributable to shareholders of 1.627 billion yuan, with year-on-year growth rates of 4.64% and 2.10% respectively [2]. - The bank's profit growth rate has increased by 24.22 percentage points compared to the previous year, positioning it among the top A-share listed banks in terms of profit growth [2][3]. Asset Quality and Growth - Zhengzhou Bank's net interest income grew by 1.04% to 5.351 billion yuan, while non-interest income surged over 20% to 1.339 billion yuan, indicating a positive change in revenue structure [4]. - The bank's non-performing loan ratio decreased by 0.03 percentage points from the end of the previous year, with a provision coverage ratio of 179.20% and a capital adequacy ratio of 11.85%, all meeting regulatory requirements [4]. Strategic Positioning - The bank's success is attributed to its focus on serving the local economy, small and medium-sized enterprises, and urban and rural residents, which has guided its business transformation and risk management [6]. - Zhengzhou Bank's total assets reached 700 billion yuan in the first quarter of 2025, with a significant increase in asset scale, achieving a historical high growth rate of 11.47% in total assets compared to the same period in 2018 [7][8]. Loan and Credit Structure - As of June, the total amount of loans and advances issued by Zhengzhou Bank was 406.094 billion yuan, reflecting a growth of 4.75% since the beginning of the year, with notable increases in both corporate and retail loan balances [8]. - The bank has implemented tailored financing solutions for struggling enterprises, showcasing its commitment to supporting local businesses and stabilizing regional economic development [8]. Retail Transformation - Zhengzhou Bank has made significant strides in retail transformation, focusing on customer-centric services and developing various financial service models, with a balance of inclusive small and micro loans reaching 52.578 billion yuan [9]. Operational Efficiency - The bank achieved a reduction in overall business and management expenses to 1.468 billion yuan, a decrease of 6.82% year-on-year, effectively enhancing profitability [11]. - Continuous improvements in digital services and risk management have been emphasized, aiming to strengthen the foundation for high-quality development [11].

Core Viewpoint - Zhengzhou Bank has achieved "double growth" in revenue and profit, alongside improved asset quality, with a non-performing loan ratio of 1.76%, down 0.11 percentage points year-on-year, and a provision coverage ratio of 179.20% [1][7] Financial Performance - As of June 30, 2025, Zhengzhou Bank's total assets reached 719.738 billion yuan, an increase of 43.373 billion yuan, or 6.41%, compared to the end of the previous year [1][2] - The bank's operating income for the reporting period was 6.690 billion yuan, a year-on-year increase of 4.64%, while net profit attributable to shareholders was 1.627 billion yuan, up 2.1% [2][3] Loan and Credit Growth - 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, or 4.75%, from the end of the previous year [2] - The bank's corporate loan balance was 274.623 billion yuan, up 2.11%, while personal loan balance reached 94.556 billion yuan, increasing by 3.96% [2] Retail Transformation - Zhengzhou Bank's retail business generated 1.236 billion yuan in revenue, marking a historical high for the same period, with a year-on-year growth of 3.56% [5] - Personal deposit balance surged to 258.098 billion yuan, an increase of 39.918 billion yuan, or 18.3%, reflecting strong growth in retail banking [5][6] Asset Quality and Risk Management - The bank's non-performing loan balance was 7.165 billion yuan, with a non-performing loan ratio of 1.76%, continuing a three-year decline [7] - The provision coverage ratio stood at 179.20%, with capital adequacy ratios maintained at stable levels, including a capital adequacy ratio of 11.85% and a core tier 1 capital ratio of 8.60% [7] Future Outlook - Zhengzhou Bank aims to leverage its strategic layout and development advantages to create long-term value amidst uncertainties [8]