Investment Rating - The report indicates a cautious outlook for the banking sector, with expectations of continued narrowing of interest margin declines due to improved cost management on the liability side [5]. Core Insights - The overall revenue and profit growth rates for listed banks in Q1 2025 were -1.7% and -1.2%, respectively, showing a widening decline compared to 2024 [4]. - Net interest income decreased by 1.7% year-on-year, influenced by factors such as loan repricing and lower new loan rates, but the decline in interest margins is expected to continue to narrow [4][5]. - The overall asset quality remains stable, with a non-performing loan ratio of 1.23% and a provision coverage ratio of 238% [4]. Summary by Sections 1. Performance Overview - Listed banks' overall revenue and profit growth rates for Q1 2025 were -1.7% and -1.2%, respectively, with declines expanding by 1.8 percentage points and 3.5 percentage points compared to 2024 [4]. - The net interest income saw a year-on-year decline of 1.7%, attributed to factors like loan repricing and intensified competition [4]. 2. Revenue Breakdown - Fee and commission income for listed banks decreased by 0.7% year-on-year, with the decline rate narrowing by 8.7 percentage points compared to 2024 [4]. - Other non-interest income fell by 3.2% year-on-year, primarily due to significant fluctuations in the bond market affecting fair value changes [4]. 3. Asset Quality - The non-performing loan ratio stood at 1.23%, slightly down by 1 basis point from the end of Q4 2024, while the provision coverage ratio was 238%, showing a slight decrease of 2 percentage points from the previous year [4]. 4. Future Outlook - The narrowing trend in interest margin declines is expected to continue, supported by improved management of liability costs and stable asset quality [5]. - The report anticipates that the overall profit growth for the year will maintain a trend of quarterly improvement [5].

Core Viewpoint - Zhengzhou Bank is experiencing a recovery trend with positive profit growth, achieving significant increases in key financial metrics in the first quarter of 2024 [1][2]. Financial Performance - In Q1 2024, Zhengzhou Bank reported revenue of 3.475 billion yuan and net profit attributable to shareholders of 1.016 billion yuan, representing year-on-year growth of 2.22% and 4.98% respectively [1]. - Total assets exceeded 700 billion yuan for the first time, with total loans surpassing 400 billion yuan, and personal deposits maintaining double-digit growth [1]. - By the end of Q1 2025, net profit returned to the 1 billion yuan level, with total loans reaching 400.236 billion yuan, a 3.24% increase from the end of the previous year [2]. Strategic Focus - Zhengzhou Bank is committed to supporting local economic development by focusing on seven major industrial clusters and modernizing the "7+28+N" industrial chain, as well as promoting stable development in the real estate market [2]. - The bank is actively involved in significant provincial projects and initiatives like "Ten Thousand People Helping Ten Thousand Enterprises," directing financial resources to key areas of social development [2]. Loan and Deposit Growth - Total deposits reached 430.112 billion yuan, with personal deposits growing by 11.61% to 243.505 billion yuan [2]. - The bank's non-performing loan ratio stood at 1.79% at the end of Q1, remaining stable compared to the end of the previous year, while the provision coverage ratio increased by 8.17% [2]. Implementation of "Five Major Articles" - The "Five Major Articles" framework has become a crucial tool for Zhengzhou Bank to support the real economy and achieve high-quality development [3]. - In technology finance, the bank's loans to technology enterprises reached 48.269 billion yuan, with a growth rate of 44.50% [3]. - Green finance initiatives supported the development of green industries, with green credit business balance reaching 9.146 billion yuan, a year-on-year increase of 123.73% [3]. - Inclusive finance efforts led to a balance of 53.685 billion yuan in small and micro loans, growing by 7.46% [3]. - The bank is enhancing financial support for the elderly care and health industries, promoting a robust financial service environment for senior citizens [3]. - Digital finance initiatives are being implemented to integrate financial services into the digital transformation of enterprises [3].

Focus Events - Four companies, including *ST Xulan and *ST Jiayu, will officially delist from A-shares on April 30, 2025, following announcements from the Shenzhen Stock Exchange regarding their termination of listing decisions [1][1][1] Banking Sector - Seven major banks, including Industrial and Commercial Bank of China and Agricultural Bank of China, announced plans to abolish their supervisory boards, pending approval from their respective shareholder meetings [2][2][2] Macro News - The People's Bank of China held a meeting to implement the overall statistical system for the "Five Major Articles" in finance, emphasizing the importance of statistical work and establishing a comprehensive "1+N" statistical system [3][3][3] Industry Dynamics - The Ministry of Industry and Information Technology issued a notice to accelerate the cultivation of pilot testing platforms in manufacturing, focusing on optimizing the layout and upgrading key platforms [5][5][5] - The Ministry of Agriculture and Rural Affairs announced a plan to continuously adjust and optimize pig production capacity, implementing a monitoring and early warning system for production [7][7][7] Company Focus - Guotai Junan Securities reported a 391.78% increase in net profit for Q1 2025, reaching 12.24 billion yuan, with total assets nearing 1.69 trillion yuan [10][10][10] - Xinhua Insurance plans to establish a 20 billion yuan fund in collaboration with China Life, targeting A+H shares of large listed companies [11][11][11] - Tianqi Lithium achieved a net profit of 104 million yuan in Q1 2025, recovering from a loss of 389.7 million yuan in the same period last year [12][12][12] - Ganfeng Lithium reported a net loss of 356 million yuan in Q1 2025, with a 25.43% decline in revenue [12][12][12] - Longi Green Energy posted a net loss of 8.618 billion yuan for 2024, with a 36.23% decrease in revenue [13][13][13] - Air China reported a net loss of 2.044 billion yuan in Q1 2025, with a slight revenue decline of 0.11% [14][14][14] - Industrial and Commercial Bank of China recorded a revenue of 212.77 billion yuan in Q1 2025, down 3.22% year-on-year [15][15][15] - Saisir reported a 240.6% increase in net profit for Q1 2025, despite a 27.91% decrease in total revenue [16][17] - Kweichow Moutai's net profit grew by 11.56% in Q1 2025, with revenue increasing by 10.54% [18][18][18] - Northern Rare Earth achieved a net profit increase of 727% in Q1 2025, with revenue up 61.19% [19][19][19] - China Life reported a 39.5% increase in net profit for Q1 2025, with total premiums reaching 354.4 billion yuan [20][20][20] - Pianzaihuang's net profit increased by 2.59% in Q1 2025, despite a slight revenue decline [21][21][21] - CITIC Securities reported a 32% increase in net profit for Q1 2025, with revenue up 29.13% [22][22][22] - Zhengzhou Bank's total assets surpassed 700 billion yuan for the first time, with a 4.98% increase in net profit for Q1 2025 [23][23][23]

证券代码：002936 证券简称：郑州银行 公告编号：2025-027 一、会议召开情况 本行于 2025 年 4 月 18 日以电子邮件及书面方式向全体监事发出关于召开 第八届监事会第二次会议的通知，会议于 2025 年 4 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 4 人，实际出席 4 人，其中 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《郑州银行股份 有限公司章程》的规定，本次会议合法有效。会议由监事会临时召集人胡跃先生 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 2025 年第一季度报告 的议案》。 监事会认为：董事会编制和审议本行 2025 年第一季度报告程序符合法律、 行政法规和中国证监会的规定，报告内容真实、准确、完整地反映了本行的实际 情况，不存在任何虚假记载、误导性陈述或者重大遗漏。 本议案同意票 4 票，反对票 0 票，弃权票 0 票。 该报告在巨潮资讯网（http://www.cninfo.com.cn）披露，供投资者查阅。 （二）会 ...

证券代码：002936 证券简称：郑州银行 公告编号：2025-026 郑州银行股份有限公司 第八届董事会第二次会议决议公告 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 2025 年 4 月 15 日以电子邮件及书面方式向全体董事发出关于召开 第八届董事会第二次会议的通知，会议于 2025 年 4 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， 卫志刚先生、刘亚天先生以视频接入方式出席会议。本行全部监事列席会议。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《郑州银行股份有限公司章程》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 2025 年第一季度经营管理 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 2025 年第一季度报告 的议案》。 本 ...

Core Insights - Zhengzhou Bank reported strong growth in core business indicators for Q1 2025, with total assets exceeding 700 billion RMB, indicating robust development resilience and high-quality growth [1][2] Financial Performance - As of the reporting period, Zhengzhou Bank's total assets reached 706.53 billion RMB, a 4.46% increase from the previous year, marking its first time surpassing the 700 billion RMB milestone [2] - Total deposits and loans amounted to 430.11 billion RMB and 400.24 billion RMB, respectively, reflecting growth rates of 6.32% and 3.24% year-on-year [2] - Operating income was 3.475 billion RMB, up 2.22% year-on-year, while net profit attributable to shareholders was 1.016 billion RMB, representing a 4.98% increase [2] Business Transformation - The bank achieved growth in assets, deposits, loans, revenue, and profit in Q1 2025, reversing a three-year decline in net profit and demonstrating strong momentum for high-quality development [2] - Personal deposits reached 243.51 billion RMB, with an impressive growth rate of 11.61%, increasing their share of total deposits to 56.6% [2] Management Efficiency - Continuous growth in operating performance reflects improved management efficiency, with the bank focusing on deepening reforms and high-quality development [3] - The bank has implemented measures to enhance resource allocation efficiency and reduce costs, including reforms in the compensation system and optimizing internal distribution structures [3] Innovation and Digital Transformation - Zhengzhou Bank is advancing its business transformation through digital innovation, focusing on retail, wealth management, and personal credit sectors [4] - The bank has initiated a digital transformation strategy, launching a smart banking layout and leveraging AI technologies for risk control and digital financial product innovation [5] Risk Management - As of the end of 2024, the bank's non-performing loan ratio stood at 1.79%, unchanged from the previous year, while the provision coverage ratio improved to 182.99%, indicating enhanced risk mitigation capabilities [6]

Financial Performance - The total operating income for Q1 2025 was RMB 3,475,467 thousand, representing a 2.22% increase compared to RMB 3,400,099 thousand in Q1 2024[5]. - The net profit attributable to shareholders for Q1 2025 was RMB 1,015,591 thousand, up 4.98% from RMB 967,445 thousand in Q1 2024[5]. - The net investment income for Q1 2025 was CNY 851,299 thousand, representing a significant increase of 197.96% compared to CNY 285,709 thousand in Q1 2024[26]. - The total profit before tax for the group was RMB 1,205,583 thousand, compared to RMB 1,153,513 thousand in the same period last year, marking a growth of about 4.5%[49]. - The net profit attributable to shareholders of the bank was RMB 1,015,591 thousand, up from RMB 967,445 thousand year-over-year, indicating an increase of approximately 5.5%[49]. Assets and Liabilities - The total assets as of March 31, 2025, reached RMB 706,530,887 thousand, reflecting a 4.46% increase from RMB 676,365,240 thousand at the end of 2024[8]. - The total liabilities increased by 4.83% to RMB 650,020,645 thousand from RMB 620,070,469 thousand at the end of 2024[8]. - The bank's total equity as of March 31, 2025, was RMB 56,510,242 thousand, compared to RMB 56,294,771 thousand at the end of 2024, reflecting a slight increase of approximately 0.4%[45]. - The total amount of loans classified into five categories as of March 31, 2025, was CNY 400,235,539 thousand, reflecting a 3.24% increase from CNY 387,690,452 thousand as of December 31, 2024[23]. - The bank's loans and advances amounted to RMB 387,532,813 thousand, an increase from RMB 376,048,659 thousand as of December 31, 2024, showing a growth of about 3.9%[41]. Cash Flow - The net cash flow from operating activities was RMB (138,256) thousand, a decline of 35.09% compared to RMB (102,343) thousand in Q1 2024[5]. - The group reported a significant increase in net cash inflow from operating activities, totaling RMB 37,018,278 thousand, compared to RMB 22,661,715 thousand in the previous year, which is an increase of approximately 63.2%[53]. - The net cash inflow from financing activities was RMB 2,558,647 thousand for the three months ended March 31, 2025, a significant increase from RMB 294,666 thousand in the same period of 2024[59]. - The group reported a net cash outflow from investment activities of RMB 5,476,423 thousand for the three months ended March 31, 2025, compared to RMB 3,534,432 thousand for the same period in 2024, representing an increase of about 55%[57]. - The total cash and cash equivalents decreased by RMB 3,056,118 thousand during the three months ended March 31, 2025, compared to a decrease of RMB 3,339,816 thousand in the same period of 2024[61]. Shareholder Information - The total number of ordinary shareholders was 107,101, with 107,052 being A-share shareholders[29]. - The top 10 shareholders held a total of 3,500,000,000 shares, with the largest shareholder being Hong Kong Central Clearing Limited, holding 2,020,295,224 H shares[31]. - The bank's equity attributable to shareholders increased to RMB 54,660,173 thousand from RMB 54,445,031 thousand, marking a growth of about 0.4%[45]. Ratios and Capital Adequacy - The weighted average return on equity (ROE) for Q1 2025 was 9.12%, an increase of 0.14 percentage points from 8.98% in Q1 2024[6]. - The capital adequacy ratio stood at 12.01% as of March 31, 2025, slightly down from 12.06% at the end of 2024[13]. - The bank's core tier 1 capital adequacy ratio slightly decreased to 8.73% as of March 31, 2025, from 8.76% at the end of 2024[24]. - The liquidity coverage ratio was 260.65%, significantly above the regulatory requirement of 100%[13]. - As of March 31, 2025, the qualified high-quality liquid assets amounted to CNY 87,477,578 thousand, with a liquidity coverage ratio of 260.65%[21]. Other Comprehensive Income - The bank's other comprehensive income showed a significant decrease, with a value of CNY (88,661) thousand compared to CNY 711,788 thousand at the end of 2024[27]. - The group experienced a decrease in other comprehensive income, with a net amount of RMB (800,449) thousand, compared to RMB 292,744 thousand in the previous year[51].

Financial Performance - For the first quarter of 2025, the operating income was CNY 3,479,102,000, representing a 2.10% increase compared to CNY 3,407,584,000 in the same period of 2024[7] - The net profit attributable to shareholders for the first quarter of 2025 was CNY 1,015,591,000, which is a 4.98% increase from CNY 967,445,000 in the first quarter of 2024[7] - The basic earnings per share for the first quarter of 2025 remained at CNY 0.11, unchanged from the same period in 2024[7] - The net profit for the three months ended March 31, 2025, was CNY 1,015,920, representing a 2.5% increase from CNY 991,224 in the previous year[42] - The pre-tax profit for the three months ended March 31, 2025, was RMB 1,205,583 thousand, compared to RMB 1,153,513 thousand for the same period in 2024, indicating an increase of 4.5%[46] Cash Flow and Liquidity - The net cash flow used in operating activities for the first quarter of 2025 was CNY (138,256,000), a 35.09% decrease compared to CNY (102,343,000) in the same period of 2024[7] - The net cash flow from operating activities for the three months ended March 31, 2025, was RMB (138,256) thousand, a slight deterioration compared to RMB (102,343) thousand in 2024[49] - The net cash flow from investing activities for the three months ended March 31, 2025, was RMB (5,476,423) thousand, compared to RMB (3,534,432) thousand in 2024, indicating an increase in cash outflow[50] - The net cash flow from financing activities for the three months ended March 31, 2025, was RMB 2,558,647 thousand, a substantial increase from RMB 294,666 thousand in 2024[50] - The liquidity coverage ratio is significantly high at 260.65% as of March 31, 2025, indicating strong liquidity position[18] Assets and Liabilities - Total assets as of March 31, 2025, were CNY 706,530,887,000, reflecting a 4.46% increase from CNY 676,365,240,000 at the end of 2024[9] - The total liabilities as of March 31, 2025, were CNY 650,020,645,000, marking a 4.83% increase from CNY 620,070,469,000 at the end of 2024[9] - The total amount of loans and advances issued was CNY 400,235,539,000, which is a 3.24% increase from CNY 387,690,452,000 at the end of 2024[9] - The total deposits received amounted to CNY 430,112,347,000, which is a 6.32% increase from CNY 404,537,898,000 at the end of 2024[9] - The total risk-weighted assets amounted to 501,936,237 RMB as of March 31, 2025, up from 498,780,953 RMB at the end of 2024[13] Shareholder Information - The total number of ordinary shareholders at the end of the reporting period was 107,101, with 107,052 A-share shareholders and 49 H-share shareholders[28] - The largest shareholder, Hong Kong Central Clearing Limited, holds 2,020,295,224 H-shares, representing 22.22% of total shares[33] - Zhengzhou Finance Bureau holds 657,246,311 A-shares, accounting for 7.23% of total shares, with 93,278,900 shares pledged[30] - The top ten ordinary shareholders do not participate in securities lending activities during the reporting period[37] Capital Adequacy and Ratios - The core tier 1 capital adequacy ratio as of March 31, 2025, is 8.73%, slightly down from 8.76% at the end of 2024[11] - The total capital adequacy ratio stands at 12.01% as of March 31, 2025, compared to 12.06% at the end of 2024[13] - The leverage ratio decreased to 6.93% as of March 31, 2025, from 7.19% at the end of 2024[15] - The cost-to-income ratio improved to 17.83% in Q1 2025, down from 29.00% in the same period last year[11] Investment and Income - Investment net income increased by 148.48% year-on-year to 607,554 RMB in Q1 2025, driven by higher bond investment returns[22] - The net investment income increased significantly to CNY 607,554 from CNY 244,512 year-over-year[41] - The interest income from financial investments for the three months ended March 31, 2025, was RMB (1,360,746) thousand, slightly higher than RMB (1,327,267) thousand in 2024[46] Company Initiatives - The company actively supports local economic development and small and micro enterprises through financial services and initiatives[26] - The company is focusing on technological innovation and has established four technology-focused branches in key university areas[27] - The company is enhancing its digital banking capabilities, emphasizing AI opportunities and the deployment of large models like DeepSeek[27] Other Information - The company has not disclosed any other significant matters beyond what is reported in this document[38] - The quarterly report is available on the Hong Kong Stock Exchange and the company's website[39]

Financial Performance - As of the end of 2024, the total assets of Bank of Zhengzhou reached RMB 676.365 billion, an increase of 7.24% compared to the previous year[12]. - Total deposits amounted to RMB 404.538 billion, reflecting a growth of 12.07% year-on-year[12]. - Total loans reached RMB 387.690 billion, with a year-on-year increase of 7.51%[12]. - Operating income for the year was RMB 12.890 billion, while net profit was RMB 1.863 billion, representing a year-on-year growth of 0.21%[12]. - Operating revenue for 2024 was RMB 12,890,323, a decrease of 5.91% compared to RMB 13,699,410 in 2023[23]. - Net profit attributable to shareholders for 2024 was RMB 1,875,762, reflecting a 1.39% increase from RMB 1,850,117 in 2023[23]. - The net cash flow from operating activities surged to RMB 8,765,356, a significant increase of 431.85% from RMB 1,648,102 in 2023[23]. - Non-interest income increased by 28.88% to RMB 2.526 billion[48]. - The company achieved net interest income of RMB 10.36 billion, a decrease of RMB 1.37 billion or 11.71% year-on-year, accounting for 80.41% of operating income[49]. - The net trading income for 2024 reached RMB 1,054,470 thousand, a 34.89% increase from RMB 781,745 thousand in 2023[161]. - The net investment income surged by 84.81% to RMB 912,723 thousand in 2024 from RMB 493,881 thousand in 2023[161]. Asset Quality and Risk Management - The non-performing loan ratio stood at 1.79%, with a provision coverage ratio of 182.99%[12]. - The non-performing loan ratio improved to 1.79%, down from 1.87% in 2023[26]. - The company aims to enhance risk management efficiency and prevention capabilities through the upgrade of market risk and operational risk management systems[15]. - The company provided a total of RMB 5.14 billion in loan loss provisions during the reporting period, with a remaining balance of RMB 12.67 billion in loan loss provisions at the end of the period[144]. - The total amount of overdue loans increased by RMB 4.71 billion compared to the previous year, indicating a growing concern regarding loan repayment[141]. - The non-performing loan ratio for corporate loans (excluding bill discounting) is 2.05%, down 0.04 percentage points year-on-year, while the personal loan non-performing loan ratio is 1.56%, down 0.16 percentage points year-on-year[130]. Strategic Focus and Development - The management emphasizes a commitment to high-quality development and reform in response to various internal and external challenges[12]. - The company is focused on implementing the new development philosophy and advancing financial development with Chinese characteristics[12]. - The report highlights the importance of aligning with the goals of the 14th Five-Year Plan and the spirit of the 20th National Congress of the Communist Party[12]. - The company aims to enhance its service to the local economy and small and medium-sized enterprises, focusing on policy-oriented financial services[38]. - The company is committed to serving the local economy and small and medium-sized enterprises, focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance[13]. - The company is enhancing its capital management to meet regulatory requirements and ensure capital levels align with risk management[180]. Community and Social Responsibility - The company has established 400 community volunteer service stations and 23 inclusive finance service ports, covering 2,363 villages and towns[14]. - The company has been recognized with the "Support for Small and Micro Enterprises Model Award" by the Henan Provincial Science and Technology Department[13]. - The company aims to enhance its service capabilities in the technology innovation sector, focusing on local economic integration[42]. Capital Management and Regulatory Compliance - The company is implementing the "Commercial Bank Capital Management Measures" and has completed regulatory reporting under new regulations[181]. - The company is conducting a comprehensive assessment of risk status and developing a capital plan for 2024-2026, considering asset quality and profit growth[183]. - The core tier 1 capital adequacy ratio decreased to 8.76% as of December 31, 2024, from 8.90% at the end of 2023[184]. - The total capital adequacy ratio decreased to 12.06% as of December 31, 2024, compared to 12.38% at the end of 2023[184]. Loan and Deposit Growth - The total amount of loans and advances was RMB 387.69 billion, up RMB 27.08 billion or 7.51% year-on-year[95]. - Total personal deposits reached RMB 218.18 billion, an increase of 29.37% compared to the end of the previous year[195]. - The balance of inclusive small and micro loans was RMB 53.69 billion, up 7.46% from the previous year, exceeding the general loan growth rate by 0.61 percentage points[200]. - The "House e-loan" product issued RMB 18.03 billion in loans, with a new issuance of RMB 3.81 billion[198].

Group 1 - Since April, 9 bank stocks have reached historical highs, indicating a sustained increase in industry interest [1][2] - In Q4 2024, bank performance has significantly improved, with many banks reporting positive results in Q1 of this year [1][5] - The total cash dividends for the banking sector are expected to reach a new high, with 12 bank stocks each exceeding 10 billion yuan in annual dividends [1][7] Group 2 - On April 24, the banking index closed up 1.16%, with major banks like Bank of China, Agricultural Bank of China, and Industrial and Commercial Bank of China hitting record highs [2] - The stock prices of major banks have steadily increased this year, with Shanghai Bank showing a year-to-date increase of 15.52% [2] - The banking sector is favored as a low-valuation, high-dividend defensive asset amid ongoing market fluctuations [3] Group 3 - Over 90% of the 36 bank stocks that have released their 2024 annual reports or performance forecasts reported year-on-year profit growth [5] - Shanghai Pudong Development Bank reported the highest year-on-year profit growth at 23.31%, driven by rapid credit growth and improved asset quality [5] - The total net profit of the disclosed bank stocks in Q4 2024 exceeded 480 billion yuan, marking a 5.66% increase from the previous year [5] Group 4 - Five bank stocks have released Q1 2025 performance reports, with several banks reporting year-on-year profit growth [6] - Major banks have indicated ongoing improvements in their asset-liability structures and operational efficiency [6] Group 5 - As of April 24, 29 bank stocks have announced dividend plans, with a total cash dividend amounting to 357.84 billion yuan [7] - The cumulative cash dividends for the banking sector in 2024 have reached 616.13 billion yuan, surpassing the previous year's total [8] - Industrial and Commercial Bank of China announced a cash dividend of 1.646 yuan per 10 shares, totaling 58.66 billion yuan, marking a continuous growth for nine years [8]