Market Performance - The city commercial bank sector increased by 0.12% on November 5, with Ningbo Bank leading the gains [1] - The Shanghai Composite Index closed at 3969.25, up 0.23%, while the Shenzhen Component Index closed at 13223.56, up 0.37% [1] Individual Stock Performance - Ningbo Bank (002142) closed at 29.09, up 0.83% with a trading volume of 306,800 shares and a transaction value of 894 million [1] - Nanjing Bank (6000000) closed at 11.65, up 0.60%, with a trading volume of 555,100 shares and a transaction value of 648 million [1] - Shanghai Bank (601229) closed at 10.04, up 0.50%, with a trading volume of 842,000 shares [1] - Other notable performances include Chengdu Bank (601838) at 17.06, up 0.35%, and Hangzhou Bank (600926) at 16.02, up 0.12% [1] Capital Flow Analysis - The city commercial bank sector saw a net inflow of 52.36 million from institutional investors, while retail investors contributed a net inflow of 89.18 million [2] - The sector experienced a net outflow of 142 million from speculative funds [2] Detailed Capital Flow for Selected Banks - Jiangsu Bank (600919) had a net inflow of 63.74 million from institutional investors, while it faced a net outflow of 46.26 million from speculative funds [3] - Chengdu Bank (601838) reported a net inflow of 63.42 million from institutional investors, with a net outflow of 57.05 million from speculative funds [3] - Ningbo Bank (002142) had a net inflow of 5.72 million from institutional investors but a significant net outflow of 43.57 million from retail investors [3]

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 recent disclosure evaluation results for listed banks in China for the 2024-2025 period show that all listed banks received ratings of B or above, with 22 banks rated A, indicating a strong performance in information disclosure [1] Summary by Category Overall Ratings - All listed banks achieved a rating of B or higher, with 22 banks rated A, reflecting consistent performance compared to the previous year [1] - Only six banks experienced rating changes, with five banks improving their ratings and one bank, Shanghai Bank, experiencing a downgrade [1] Banks with Rating Changes - The following banks improved their ratings: - Zhangjiagang Bank - Hangzhou Bank - Huaxia Bank - Everbright Bank - Zhejiang Commercial Bank [1] - Shanghai Bank was the only bank to see a downgrade in its rating [1] Detailed Ratings - A selection of banks and their ratings includes: - Ping An Bank: A - Ningbo Bank: A - Agricultural Bank of China: A - Industrial and Commercial Bank of China: A - Shanghai Bank: B (downgraded) [2]

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 ...