Core Viewpoint - Zhengzhou Bank reported significant growth in total assets and liabilities for Q3 2025, indicating strong performance and a solid foundation for future business expansion [1][2]. Group 1: Financial Performance - As of the end of Q3 2025, Zhengzhou Bank's total assets reached 743.55 billion yuan, a year-on-year increase of 9.93%, marking the highest growth rate in the same period historically [1]. - The bank's total liabilities amounted to 685.94 billion yuan, reflecting a growth of 10.62% compared to the end of the previous year [1]. - The bank's net profit attributable to shareholders was 2.28 billion yuan, a year-on-year increase of 1.56%, while operating income reached 9.40 billion yuan, up 3.91% from the previous year [3]. Group 2: Asset and Liability Management - Zhengzhou Bank's loan and advance total reached 406.72 billion yuan, with a steady growth of 4.91% year-on-year, demonstrating robust credit deployment [1][2]. - The bank's total deposits reached 459.52 billion yuan, an increase of 13.59% from the previous year, with personal deposits growing by 22.44% to 267.14 billion yuan [2]. - The bank's provision coverage ratio stood at 186.17%, up 19.94 percentage points year-on-year, while the non-performing loan ratio was 1.76%, a decrease of 0.1 percentage points [3]. Group 3: Strategic Focus - Zhengzhou Bank is committed to supporting the local economy by focusing on key industries and projects, enhancing financial services for small and medium-sized enterprises [2]. - The bank has implemented targeted relief measures for businesses, demonstrating its role as a stabilizing force in the local market [2].

Core Viewpoint - Zhengzhou Bank has demonstrated significant growth in its third-quarter performance, with total assets exceeding 740 billion yuan and a notable increase in retail loans and personal deposits, reflecting a successful strategy in serving the regional economy [1][2]. Group 1: Financial Performance - As of the end of Q3 2025, Zhengzhou Bank's total assets reached 743.55 billion yuan, marking a 9.93% increase from the end of the previous year, the highest growth rate for the same period in history [2]. - The bank's total liabilities grew by 10.62% to 685.94 billion yuan, indicating robust financial health [2]. - The bank's operating income for the first three quarters was 9.395 billion yuan, a 3.91% increase year-on-year, while net profit attributable to shareholders was 2.279 billion yuan, up 1.56% from the previous year [3][4]. Group 2: Strategic Focus - Zhengzhou Bank is focusing on key industrial chains and projects, providing financing support to advanced manufacturing and urban renewal, while also enhancing services for small and micro enterprises [3]. - The bank has implemented a "one enterprise, one policy" approach to assist businesses in overcoming financial difficulties, demonstrating its commitment to local economic development [3]. Group 3: Retail Transformation - The bank's retail loan balance reached 96.306 billion yuan, reflecting a 5.88% increase from the end of the previous year, despite broader industry challenges [5][6]. - Zhengzhou Bank has developed a comprehensive retail financial ecosystem centered around four key service areas: citizen services, financing, wealth management, and rural services, enhancing customer engagement and service quality [6][7]. - Total deposits reached 459.518 billion yuan, a 13.59% increase, with personal deposits growing by 22.44% to 267.143 billion yuan, showcasing the bank's strong brand loyalty and effective customer retention strategies [7].

Core Insights - The A-share listed banking sector experienced a significant decline of over 13% in the third quarter of 2025, following a strong performance in the previous year, while insurance funds continued to increase their holdings in bank stocks [1][6] Group 1: New Shareholder Dynamics - In the third quarter, six insurance companies entered the top ten shareholders of six A-share listed banks, indicating a growing presence of insurance capital in the banking sector [1] - China Life Insurance Company entered the top ten shareholders of Industrial and Commercial Bank of China (ICBC) with 757 million shares, representing 0.21% of the bank's total shares [2] - Other banks such as Wuxi Bank, Nanjing Bank, and Changshu Bank also saw new insurance capital entering their top ten shareholder lists [2] Group 2: Continued Investment by Insurance Funds - Several insurance companies that had already entered the top ten shareholders of listed banks continued to increase their holdings in the third quarter, with some seeking board seats [4] - For instance, Dajia Life Insurance increased its stake in Industrial Bank by 62.12 million shares, raising its holding to 3.38% [4] - China Life Insurance and Guomin Pension Insurance also increased their stakes in Suzhou Bank, reaching 3.4% and 2.76% respectively by the end of September [4] Group 3: Major Shareholder Concentration - By the end of the third quarter, at least two insurance companies were listed among the top ten shareholders of 12 A-share listed banks, highlighting a trend of concentration of insurance capital [6] - Zheshang Bank had four insurance shareholders, while banks like Industrial Bank and Changsha Bank had three [6] - The top five shareholders of Industrial Bank collectively held over 50% of the bank's shares, indicating strong institutional support [6] Group 4: Investment Strategy Insights - Insurance asset management institutions are focusing on companies with strong fundamentals and stable dividend growth potential for their core holdings [7]

Core Insights - Zhengzhou Bank has demonstrated solid progress in strategic transformation, achieving growth in scale, optimizing structure, and enhancing risk management despite a complex external environment [1] Group 1: Scale and Growth - As of September 30, 2025, Zhengzhou Bank's total assets reached 743.55 billion yuan, a year-on-year increase of 9.93%, marking the highest growth rate for the same period in history [2] - Total liabilities increased to 685.94 billion yuan, up 10.62% from the end of the previous year, with an asset scale increment of 67.19 billion yuan, equivalent to 1.87 times the increase from the same period last year [2] - The efficient growth of asset scale has strengthened the bank's comprehensive strength and market influence, providing a solid financial foundation for serving the regional real economy and expanding business [2] Group 2: Profitability and Revenue Structure - For the first three quarters of 2025, Zhengzhou Bank achieved an operating income of 9.395 billion yuan, a year-on-year increase of 3.91%, and a net profit attributable to shareholders of 2.279 billion yuan, up 1.56% [3] - Net interest income reached 7.816 billion yuan, growing by 5.83%, while non-interest income also increased, leading to a more diversified and reasonable income structure [3] - The growth in retail business, particularly personal loans, has been significant, with personal deposits reaching 26.714 billion yuan, a substantial increase of 22.44% from the end of the previous year [3] Group 3: Risk Management and Quality - The bank has implemented refined management practices, resulting in a 2.45% year-on-year decrease in business and management expenses, with a cost-to-income ratio of 23.99%, down 1.57 percentage points [4] - As of September 30, the non-performing loan ratio stood at 1.76%, a decrease of 0.1 percentage points year-on-year, while the provision coverage ratio improved to 186.17%, an increase of 19.94 percentage points [4] - Zhengzhou Bank aims to maintain internal capital accumulation while reasonably conducting external capital supplementation, considering market conditions and capital needs [4]

Core Viewpoint - Zhengzhou Bank has demonstrated robust growth in assets and profitability in its third-quarter performance report, emphasizing its commitment to serving the local economy and enhancing financial vitality in the region [1][2]. Group 1: Scale and Profitability - As of September 30, 2025, Zhengzhou Bank's total assets reached 743.55 billion yuan, a year-on-year increase of 9.93%, marking the highest growth rate for the same period in history [2] - The bank's total liabilities also grew to 685.94 billion yuan, up 10.62% from the end of the previous year [2] - The bank achieved an operating income of 9.395 billion yuan, a year-on-year increase of 3.91%, and a net profit attributable to shareholders of 2.279 billion yuan, up 1.56% [2] Group 2: Credit Investment and Support for the Real Economy - Zhengzhou Bank issued loans and advances totaling 406.72 billion yuan, a 4.91% increase from the end of the previous year, focusing on key sectors for economic development [3] - The bank has intensified financing support for advanced manufacturing and urban renewal, implementing tailored solutions for enterprises to alleviate financial pressures [3] Group 3: Retail Transformation and Deposit Growth - The bank's retail business transformation has led to a significant increase in personal deposits, which reached 267.14 billion yuan, a substantial growth of 22.44% [4] - Personal loan balances grew by 5.88% to 96.31 billion yuan, reflecting a steady acceleration in retail banking [4] - Total deposits reached 459.52 billion yuan, up 13.59%, enhancing the bank's funding strength [4] Group 4: Income Structure Optimization - Net interest income remained solid at 7.816 billion yuan, a 5.83% increase, while non-interest income rose to 1.579 billion yuan [5] - The bank reduced its business and management expenses to 2.243 billion yuan, a decrease of 2.45%, improving its cost-to-income ratio to 23.99% [5] Group 5: Risk Management and Asset Quality - The bank maintained a high provision coverage ratio of 186.17%, an increase of 19.94 percentage points year-on-year, and a non-performing loan ratio of 1.76%, down 0.1 percentage points [6] - The bank emphasizes internal capital accumulation while considering external capital supplementation to strengthen its risk resilience [6]

Core Insights - Zhengzhou Bank reported a strong performance in Q3 2025, with total assets reaching 743.55 billion yuan, a 9.93% increase from the end of the previous year, marking the highest growth rate for the same period in history [1][2] - The bank achieved an operating income of 9.395 billion yuan, a year-on-year increase of 3.91%, and a net profit attributable to shareholders of 2.279 billion yuan, up 1.56% from the same period last year [1] Asset Growth - The asset growth rate for Zhengzhou Bank in the first three quarters reached a historical high, with an increase of 67.187 billion yuan, equivalent to 1.87 times the growth of the same period last year [2] - The total amount of loans and advances issued by the bank was 406.717 billion yuan, reflecting a 4.91% increase from the end of the previous year [2] - The bank focused on supporting key industries and projects, enhancing financial services for small and micro enterprises, and implementing targeted relief measures for businesses [2] Revenue and Profitability - Zhengzhou Bank's net interest income for the first three quarters was 7.816 billion yuan, representing a year-on-year growth of 5.83% [3] - Non-interest income significantly increased, contributing to the bank's resilience and growth potential in a complex market environment [3] - The bank's retail transformation showed notable results, with personal deposits reaching 267.143 billion yuan, a 22.44% increase, and personal loans amounting to 96.306 billion yuan, up 5.88% [3]

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） 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 四 次 會 議 決 議 公 告》《鄭 州 銀 行 股 份 有 限 公 司 第 八 屆 監 事 會 第 四 次 會 議 決 議 公 告》，僅 供 參 閱。 承董事會命 鄭州銀行 ...

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。 重要内容提示： 1. 本行董事会、监事会及董事、监事、高级管理人员保证本行《2025年第三季度报告》（以下简称"本 报告"）内容的真实、准确、完整，不存在虚假记载、误导性陈述或者重大遗漏，并承担个别和连带的 法律责任。 登录新浪财经APP 搜索【信披】查看更多考评等级 证券代码：002936证券简称：郑州银行公告编号：2025-042 2. 本报告所载财务资料按照中国企业会计准则编制，除特别注明外，为本行及所属子公司河南九鼎金融 租赁股份有限公司、扶沟郑银村镇银行股份有限公司、新密郑银村镇银行股份有限公司、浚县郑银村镇 银行股份有限公司、确山郑银村镇银行股份有限公司及新郑郑银村镇银行股份有限公司（以下统称"本 集团"或"本行"）的合并报表数据。 3. 本行法定代表人、董事长赵飞先生，行长李红女士，主管会计工作负责人张厚林先生及会计机构负责 人付强先生声明并保证本报告中财务信息的真实、准确、完整。 4. 本行本季度财务报告未经审计。 一、主要财务数据 （一）主要会计数据和财务指标 报告 ...

Core Viewpoint - Zhengzhou Bank, established in 1996 and listed in 2018, is a significant player in the city commercial bank sector, primarily offering various banking-related financial services [1] Financial Performance - As of Q3 2025, Zhengzhou Bank reported revenue of 9.395 billion, ranking 14th out of 17 in the industry, significantly lower than the top performer, Jiangsu Bank, at 67.183 billion, and the second, Ningbo Bank, at 54.976 billion [2] - The bank's net profit for the same period was 2.3 billion, also ranking 14th, with a notable gap compared to Jiangsu Bank's 31.895 billion and Ningbo Bank's 22.578 billion [2] Profitability and Debt Ratios - Zhengzhou Bank's debt-to-asset ratio stood at 92.25% in Q3 2025, slightly below the industry average of 92.63%, indicating a comparable debt repayment capability [3] - The bank's gross profit margin was 28.10%, lower than the previous year's 28.33% and significantly below the industry average of 45.51%, highlighting a considerable disparity in profitability [3] Executive Compensation - The chairman, Zhao Fei, received a salary of 701,000, a decrease of 331,000 from the previous year, reflecting a reduction in executive compensation [4] Shareholder Information - As of September 30, 2025, the number of A-share shareholders increased by 0.04% to 108,300, while the average number of circulating A-shares held per shareholder decreased by 0.04% to 61,900 [5]

Core Insights - Zhengzhou Bank reported a total asset increase to 743.55 billion yuan as of the end of September, marking a year-on-year growth of 9.93%, the highest growth rate for the same period in history [1] - The bank achieved operating revenue of 9.395 billion yuan in the first three quarters, reflecting a year-on-year increase of 3.91% [1] - Net profit attributable to shareholders reached 2.279 billion yuan, with a year-on-year growth of 1.56% [1] Financial Performance - Total deposits amounted to 459.518 billion yuan, an increase of 13.59% compared to the end of the previous year [1] - Total loans and advances reached 406.717 billion yuan, growing by 4.91% from the end of last year [1]