郑州银行股份有限公司 | 其他关联资金 | 资金往来 | 往来方与上市 | 上市公司核算 | 2023年期初往 | 2023年上半 | 2023年上半 | 2023年上半 | 2023年6月 | 往来形成 | 往来性质 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 往来 | 方名称 | 公司的关联 | 的会计科目 | 来资金余额 | 年往来累计发 | 年往来资金 | 年偿还累计 | 30日期末 | 原因 | | | | | 关系 | | | 生金额(不含 | 的利息(如有) | 发生金额 | 往来资金 | | | | | | | | | 利息) | | | 余额 | | | | 控股股东、实际控 | 无 | 无 | 无 | 无 | 无 | 无 | 无 | 无 | 无 | 无 | | 制人及其附属企业 | 无 | 无 | 无 | 无 | 无 | 无 | 无 | 无 | 无 | 无 | | 上市公司的子公司 | 无 | 无 | 无 | 无 | 无 | 无 | 无 | 无 | 无 | 无 | | 及其附属企业 | 无 ...

郑州银行股份有限公司 已审阅财务报表 截至 2023 年 6 月 30 日止六个月期间 郑州银行股份有限公司 目 录 | | 页 次 | | | --- | --- | --- | | 审阅报告 | 1 | | | 未审财务报表 | | | | 合并及银行资产负债表 | 2 - | 3 | | 合并及银行利润表 | 4 - | 5 | | 合并股东权益变动表 | 6 | | | 股东权益变动表 | 7 | | | 合并及银行现金流量表 | 8 - | 9 | | 财务报表附注 | 10 - | 134 | | 财务报表补充资料 | | | | 1. 非经常性损益明细表 | 1 | | | 2. 净资产收益率和每股收益 | 2 | | | 3. 按中国会计准则与国际财务报告准则编制的财务报表的差异 | 2 | | 根据我们的审阅，我们没有注意到任何事项使我们相信上述中期财务报表没有在 所有重大方面按照《企业会计准则第 32 号—中期财务报告》的规定编制。 安永华明会计师事务所（特殊普通合伙） 中国注册会计师：陈 胜 中国注册会计师：陈丽菁 审阅报告 安永华明（2023）专字第61244465_B05号 郑州银行 ...

郑州银行股份有限公司 1 三、关于公司提名非执行董事候选人的独立意见 经审阅魏磊先生的简历和相关材料，充分了解其职业、学历、职 称、工作经历等情况，未发现其存在《公司法》、《深圳证券交易所 上市公司自律监管指引第 1 号——主板上市公司规范运作》、《公司 章程》等相关规定中不得担任董事的情形，也未发现其存在被中国证 监会确定为市场禁入者且未解除的情形，其亦未受过中国证监会和证 券交易所的处罚和惩戒，具备法律法规规定的董事任职资格及工作经 验，能够胜任非执行董事的职责要求，同意提名魏磊先生为公司第七 届董事会非执行董事候选人，并在公司董事会、股东大会分别审议通 过后，按照有关规定报监管机构核准其非执行董事任职资格。 公司董事会就魏磊先生的提名、审议、表决等程序符合《公司法》、 《商业银行法》、《上市公司治理准则》、《银行保险机构公司治理 准则》、《深圳证券交易所上市公司自律监管指引第 1 号——主板上 市公司规范运作》等相关法律法规以及《公司章程》的规定。 独立非执行董事对相关事项的独立意见 根据中国证监会《上市公司独立董事规则》、《深圳证券交易所 上市公司自律监管指引第 1 号——主板上市公司规范运作》及《郑 ...

鄭州銀行股份有限公司*（「本行」）董事會（「董事會」）謹此宣佈，董事會會議將於 二零二三年八月二十九日（星期二）舉行，藉以（其中包括）考慮及批准本行及其附 屬公司截至二零二三年六月三十日止六個月之中期業績及其發佈，並考慮建議派 發中期股息（如有）。 承董事會命 鄭州銀行股份有限公司* Bank of Zhengzhou Co., Ltd.* 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。 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） 董事會會議通告 中國河南省鄭州市 二零二三年八月十七日 於本公告日期，董事會成員包括執行董事趙飛先生；非執行董事王丹女士、劉炳 恒先生、姬宏俊先生及王世豪先生；以及獨立非執行董事李燕燕女士、李小建先 生、宋科先生及李淑賢女士。 * 本行並非香港法例第155章《銀行業條例》所指認可機構，不受限於香港金融管理局的監 督，並無獲授權在香港經營銀行及╱或接受存款業務。 趙飛 董事 ...

Financial Performance - For Q1 2023, the bank reported operating income of RMB 3,294,537 thousand, a decrease of 3.67% compared to RMB 3,419,896 thousand in Q1 2022[3] - The net profit attributable to shareholders for Q1 2023 was RMB 1,188,068 thousand, an increase of 1.86% from RMB 1,166,426 thousand in the same period last year[3] - The net interest income for Q1 2023 was RMB 2,945,535 thousand, a decrease of 4.4% compared to RMB 3,079,118 thousand in Q1 2022[26] - The total comprehensive income for Q1 2023 was RMB 1,241,778 thousand, compared to RMB 1,291,449 thousand in Q1 2022, representing a decrease of 3.8%[27] - The basic and diluted earnings per share for Q1 2023 remained at RMB 0.14, unchanged from Q1 2022[27] - The company reported a decrease in net fee and commission income to RMB 161,462 thousand in Q1 2023 from RMB 232,520 thousand in Q1 2022, a decline of 30.6%[26] - The total operating expenses for Q1 2023 were RMB 669,454 thousand, an increase from RMB 571,705 thousand in Q1 2022, reflecting a rise of 17.1%[26] - The company’s pre-tax profit for Q1 2023 was RMB 1,518,388 thousand, slightly up from RMB 1,504,566 thousand in Q1 2022, showing a growth of 0.9%[26] Asset and Liability Management - Total assets as of March 31, 2023, reached RMB 606,378,430 thousand, reflecting a growth of 2.51% from RMB 591,513,618 thousand at the end of 2022[5] - The total loans and advances amounted to RMB 342,374,050 thousand, an increase of 3.46% from RMB 330,921,097 thousand at the end of 2022[5] - The total liabilities rose to RMB 552,511,416 thousand from RMB 538,888,382 thousand, reflecting an increase of about 2.3%[28] - The total equity attributable to shareholders increased to RMB 51,962,493 thousand from RMB 50,772,566 thousand, marking a growth of approximately 2.3%[29] Capital Adequacy and Ratios - The bank's core tier 1 capital adequacy ratio was 9.42%, exceeding the regulatory requirement of 7.5%[8] - Core Tier 1 capital increased to RMB 41,886,205 thousand as of March 31, 2023, up from RMB 40,383,351 thousand at the end of 2022, reflecting a Core Tier 1 capital adequacy ratio of 9.42%[10] - The leverage ratio decreased to 7.55% as of March 31, 2023, compared to 7.69% at the end of 2022, indicating a tightening of capital relative to total assets[11] - The liquidity coverage ratio stood at 285.83% as of March 31, 2023, indicating a strong liquidity position[13] Loan Quality and Performance - The non-performing loan ratio remained stable at 1.88%, consistent with the previous quarter[8] - The total amount of loans classified as "normal" was RMB 328,940,790 thousand, accounting for 96.08% of total loans, showing a stable credit quality[14] - The non-performing loan ratio was calculated based on the total amount of non-performing loans, which showed a stable performance with a slight increase in the coverage ratio[12] Cash Flow Analysis - The net cash flow from operating activities was RMB (685,074) thousand, a significant decrease of 96.48% compared to RMB (19,460,535) thousand in Q1 2022[3] - The net cash flow from operating activities for the three months ended March 31, 2023, was RMB (685,074) thousand, compared to RMB (19,460,535) thousand for the same period in 2022, showing a significant improvement[34] - Cash flow from investing activities resulted in a net outflow of RMB (3,084,685) thousand, down from a net inflow of RMB 9,445,113 thousand in the previous year[34] - The net cash flow from financing activities was RMB 3,289,500 thousand, compared to RMB 557,256 thousand in the same period last year, indicating a substantial increase[34] Strategic Initiatives - The bank launched a new "R&D Loan" product to support enterprises' research and operational needs, enhancing its role in the innovation finance sector[17] - The bank issued RMB 5 billion in financial bonds in the first quarter of 2023, with a subscription multiple of 2.3 times, indicating strong market demand[17] - The bank's digital transformation initiatives included the launch of a wealth management platform and a new generation bill system, aimed at enhancing operational efficiency[17] Investment and Growth - Investments in associates increased by 135.93% to RMB 646,171 thousand, reflecting a strategic focus on expanding partnerships[16]

Capital Distribution and Financial Reporting - The Board of Directors proposed a capital reserve distribution plan, recommending a stock dividend of 1 share for every 10 shares held, with no cash dividends or bonus shares [6]. - The financial report for 2022 was audited by Ernst & Young, receiving standard unqualified opinions from both Chinese and Hong Kong auditing standards [5]. - The report period covers from January 1, 2022, to December 31, 2022, and includes consolidated financial data from several subsidiaries [5]. Company Performance and Financial Metrics - Operating income for 2022 was RMB 15,225,843 thousand, an increase of 2.80% compared to RMB 14,810,905 thousand in 2021 [23]. - Total profit decreased by 29.61% to RMB 2,807,230 thousand from RMB 3,988,138 thousand in the previous year [23]. - Net profit attributable to shareholders was RMB 2,422,304 thousand, down 24.92% from RMB 3,226,192 thousand in 2021 [23]. - Total assets increased by 2.88% to RMB 591,513,618 thousand at the end of 2022, compared to RMB 574,979,662 thousand at the end of 2021 [23]. - The non-performing loan ratio was 1.88%, slightly up from 1.85% in 2021 [25]. - The capital adequacy ratio decreased to 12.72% from 15.00% in the previous year [25]. - The weighted average return on equity dropped to 3.53% from 7.17% in 2021 [25]. - The net interest margin was 2.18%, down from 2.24% in the previous year [25]. - Cash flow from operating activities was negative at RMB (31,350,017) thousand, an improvement of 26.44% from RMB (42,619,059) thousand in 2021 [23]. Loan and Credit Management - Zhengzhou Bank provided financial support for small and micro enterprises, processing 4,500 deferment applications totaling RMB 3.18 billion [13]. - The bank approved RMB 6.4 billion in loans under the "guarantee delivery" initiative, signing strategic cooperation agreements with seven real estate companies [14]. - As of the reporting period, Zhengzhou Bank supported 2,640 innovation-related loans with a total balance of RMB 24.1 billion [16]. - The total amount of loans and advances increased by 14.49% to RMB 330,921,097 thousand from RMB 289,027,668 thousand in 2021 [23]. - The non-performing loan (NPL) balance reached RMB 6.22 billion, with a non-performing loan ratio of 1.88%, an increase of 0.03 percentage points from the previous year [124]. - The overdue loans reached RMB 9.84 billion, an increase of RMB 1.49 billion or 17.83% year-on-year, with overdue loans accounting for 2.97% of total loans, up 0.08 percentage points from the previous year [139]. Economic and Strategic Initiatives - The company aims to build a high-quality development value-leading bank, reflecting its commitment to progress and resilience in 2022 [12]. - Zhengzhou Bank implemented 27 measures to stabilize the economy and promote growth, aligning with national and provincial policies [14]. - The bank's leadership expressed a strong determination to continue high-quality development in 2023, aligning with national strategic directives [17]. - The company plans to enhance its market expansion strategies and invest in new technologies to improve operational efficiency and customer service [32]. Digital Transformation and Innovation - Zhengzhou Bank's digital transformation strategy was emphasized as a key focus for high-quality development [16]. - The bank introduced over 10 specialized products, including talent loans and R&D loans, to support innovative enterprises [16]. - The company is focused on becoming a "specialized financial service expert for small and medium enterprises," emphasizing digital and intelligent development [45]. - The bank has launched innovative products such as "Yidingtong" and cross-border non-financing guarantees, enhancing its service offerings [200]. Risk Management and Compliance - The company is committed to compliance and risk management, enhancing internal control and compliance levels to ensure stable operations [47]. - The bank has strengthened credit risk management and accelerated the disposal of non-performing assets during the reporting period [128]. - The bank's focus remains on high-quality development and enhancing risk management capabilities [128]. Awards and Recognition - The company has received multiple awards, including recognition as a "Top 100 Enterprises in Henan" and "Outstanding Financial Bond Issuer" in 2022 [51].

证券代码：002936 证券简称：郑州银行 郑州银行股份有限公司投资者关系活动记录表 编号：2023-001 | 投资者关系活动 | □特定对象调研 □ 分析师会议 | | --- | --- | | 类别 | □ 媒体采访 √ 业绩说明会 | | | □ 新闻发布会 □ 路演活动 | | | □ 现场参观 | | | □ 其他（请文字说明其他活动内容） | | 活动参与人员 | 本次活动采用网络远程方式，参与人员为通过全景网"投资者关 | | | 系互动平台"（https://ir.p5w.net）参与公司 2022 年度业绩网上说 | | | 明会的投资者。 | | | 上市公司接待人员：行长赵飞先生（代为履行董事长职责），副 | | | 董事长、董事会秘书夏华先生，副行长、财务负责人孙海刚先生， | | | 独立非执行董事李燕燕女士。 | | 时间 | 年 月 2023 4 3 日（星期一）15:00-16:30 | | 地点 | 全景网"投资者关系互动平台"（https://ir.p5w.net） | | 形式 | 网络远程 | | 交流内容及具体 | 投资者提出的问题及公司回复情况 能带来的金融风险 ...

关于举行 2022 年度业绩网上说明会的公告 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。 本 行 2022 年度报告 及 摘 要 于 2023 年 3 月 31 日 在 巨潮 资讯网 （http://www.cninfo.com.cn）披露，为便于投资者深入了解本行 2022 年度经营情 况，本行拟定于 2023 年 4 月 3 日（星期一）召开 2022 年度业绩网上说明会，具 体情况如下： 一、召开时间与方式 召开时间：2023 年 4 月 3 日（星期一）15:00-16:30 召开方式：网络远程方式 二、出席人员 本行行长赵飞先生（代为履行董事长职责），副董事长、董事会秘书夏华先 生，副行长、财务负责人孙海刚先生，独立非执行董事李燕燕女士。 证券代码：002936 证券简称：郑州银行 公告编号：2023-014 郑州银行股份有限公司 四、投资者问题征集 为广泛听取投资者的意见和建议、提升交流的针对性，现就本行 2022 年度 业绩网上说明会提前向投资者征集相关问题，投资者可于 2023 年 4 月 2 日 17:00 ...

Financial Performance - The Bank of Zhengzhou reported its audited consolidated annual results for the year ended December 31, 2022[1]. - Operating income for 2022 was RMB 15,225,843 thousand, an increase of 2.80% compared to RMB 14,810,905 thousand in 2021[20]. - Total profit decreased by 29.61% to RMB 2,807,230 thousand from RMB 3,988,138 thousand in the previous year[20]. - Net profit attributable to shareholders was RMB 2,422,304 thousand, down 24.92% from RMB 3,226,192 thousand in 2021[20]. - The bank's net profit was RMB 2.6 billion, a decrease of 23.48% compared to the previous year[34]. - The net interest income was RMB 12.25 billion, reflecting a growth of 2.55% year-on-year[46]. - The net profit attributable to shareholders was negative at (981,141) thousand RMB in Q4 2022, compared to a profit of 872,379 thousand RMB in Q3 2022[26]. - The total operating income for Q4 2022 was 3,402,986 thousand RMB, a decrease from 4,258,469 thousand RMB in Q3 2022[26]. Risk Management - The bank did not identify any significant risks that would 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 bank and the measures taken to address them[6]. - The bank's commitment to high-quality development is aligned with the national strategy for economic stability and growth[15]. - The bank's focus on high-quality development and risk management has led to an overall controllable loan quality[81]. - The bank has established a comprehensive credit risk management framework covering the entire credit business process[145]. - The bank's operational risk management framework aims to minimize losses from internal processes and external events[147]. - The bank's liquidity risk management focuses on maintaining sufficient funding positions to meet obligations and business needs[148]. Capital and Shareholder Information - The board proposed a capital reserve distribution plan, offering 1 additional share for every 10 shares held, with no cash dividends or bonus shares[6]. - The total number of issued shares is 8,265,537,599, including 1,836,780,000 H-shares and 6,428,757,599 A-shares[168]. - The bank's total number of limited shares at the end of the reporting period was 344,097,605, representing 4.16% of total shares[167]. - The top 10 ordinary shareholders held a total of 3,746,000,000 shares, with the largest shareholder, Hong Kong Central Clearing (Agent), holding 1,836,588,724 H-shares, representing 22.22% of total shares[177]. - Zhengzhou Finance Bureau, a state-owned entity, held 597,496,646 A-shares, accounting for 7.23% of total shares, with 84,799,000 shares pledged[177]. Loans and Advances - In 2022, Zhengzhou Bank provided loan extensions for 4,500 small and micro enterprises, totaling RMB 3.18 billion to support economic recovery[11]. - The total amount of loans and advances issued was RMB 330.921 billion, up 14.49% year-on-year[34]. - The bank supported 2,640 innovation-driven enterprises with loans amounting to RMB 24.1 billion during the reporting period[14]. - The total amount of personal loans was RMB 81,316,327 thousand, with an NPL of RMB 2,020,870 thousand, resulting in an NPL ratio of 2.49%[85]. - The overdue loans amounted to RMB 9,839,206 thousand, representing 2.97% of the total loans, an increase of RMB 1,489,000 thousand or 17.83% from the previous year[88]. Economic and Market Context - In 2022, the national GDP reached RMB 121,020.7 billion, growing by 3.0% year-on-year, with the primary, secondary, and tertiary industries increasing by 4.1%, 3.8%, and 2.3% respectively[27]. - The total retail sales of consumer goods in 2022 amounted to RMB 43,973.3 billion, a slight decline of 0.2% compared to the previous year, indicating a significant impact from economic downturns[27]. - The total import and export value in 2022 reached RMB 42,067.8 billion, growing by 7.7% year-on-year, with general trade imports and exports increasing by 11.5%[27]. - The average disposable income per capita in China in 2022 was RMB 36,883, showing a nominal increase of 5.0% year-on-year, with real growth of 2.9% after adjusting for price factors[27]. Digital Transformation and Innovation - The bank's digital transformation strategy was emphasized as a key focus for future development[14]. - The company focuses on becoming a "financial service expert for small and medium-sized enterprises," emphasizing digitalization, online services, and intelligent development[39]. - The bank launched over 10 specialized financial products, including talent loans and R&D loans, to support innovation-driven enterprises[14]. - The bank's mobile banking platform signed up 2.7367 million customers, a 12% year-on-year growth, with transaction amounts reaching RMB 283.8 billion, up 33%[142]. Corporate Governance and Compliance - The annual report was approved by the board of directors at the eighth meeting of the seventh board on March 30, 2023[5]. - The company emphasizes compliance and risk management, implementing a three-line defense system to enhance operational stability[41]. - The bank has established a comprehensive anti-money laundering governance structure, having developed 11 specialized anti-money laundering regulations[152]. - The bank has improved its business continuity management capabilities, enhancing its response to emergencies and refining internal control systems[150].