证券代码：002936 证券简称：郑州银行 公告编号：2023-024 郑州银行股份有限公司关于参加河南辖区上市公司2023年 投资者网上集体接待日活动的公告 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。 为进一步加强与投资者的互动交流，本行定于 2023 年 5 月 18 日（周四） 16:00-17:20 参加在全景网举办的"真诚沟通 传递价值"河南辖区上市公司 2023 年投资者网上集体接待日活动，本次活动将采用网络远程的方式举行，投资者可 登录"全景·路演天下"（http://rs.p5w.net）参与本次互动交流。 出席本次网上集体接待日活动的人员有：本行副董事长、董事会秘书夏华先 生，证券事务代表陈光先生（如有特殊情况，参会人员将可能进行调整），欢迎 广大投资者积极参与。 特此公告。 郑州银行股份有限公司董事会 2023 年 5 月 13 日 ...

Financial Performance - Operating income for Q1 2023 was RMB 3,318,262 thousand, a decrease of 3.01% compared to RMB 3,421,374 thousand in Q1 2022[4] - 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 Q1 2022[4] - The net profit after deducting non-recurring gains and losses was RMB 1,183,732 thousand, an increase of 1.42% from RMB 1,167,133 thousand in Q1 2022[4] - The net profit for the group for the three months ended March 31, 2023, was RMB 1,239,919 thousand, compared to RMB 1,224,125 thousand for the same period in 2022, reflecting a year-on-year increase of about 1.29%[33] - The total operating income for the group for the three months ended March 31, 2023, was RMB 3,318,262 thousand, down from RMB 3,421,374 thousand in the same period last year, indicating a decrease of about 3.02%[32] - The group’s total comprehensive income for the three months ended March 31, 2023, was RMB 1,241,778 thousand, compared to RMB 1,291,449 thousand for the same period in 2022, reflecting a decrease of approximately 3.85%[34] Cash Flow - 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[4] - The net increase in cash flow from operating activities for the group was RMB 32,233,294 thousand, compared to RMB 14,993,150 thousand in the same period last year, representing a year-over-year increase of approximately 115.0%[35] - The net cash flow from investment activities was negative RMB 3,084,685 thousand, a decrease from a positive cash flow of RMB 9,445,113 thousand in the same period last year[37] - The cash inflow from financing activities was RMB 41,949,499 thousand, compared to RMB 30,163,256 thousand in the previous year, reflecting an increase of approximately 39.2%[38] - The net cash flow from financing activities was RMB 3,289,500 thousand, a significant increase from RMB 557,256 thousand in the same period last year[38] - The total cash outflow from operating activities was RMB 32,918,368 thousand, compared to RMB 34,453,685 thousand in the same period last year, showing a decrease of approximately 4.5%[36] Assets and Liabilities - Total loans and advances amounted to RMB 342,374,050 thousand, reflecting a growth of 3.46% from RMB 330,921,097 thousand at the end of 2022[6] - Total deposits reached RMB 356,745,019 thousand, an increase of 4.37% from RMB 341,797,766 thousand at the end of 2022[6] - The bank's total equity attributable to shareholders was RMB 51,962,493 thousand, a growth of 2.34% from RMB 50,772,566 thousand at the end of 2022[7] - The total liabilities of Zhengzhou Bank reached RMB 552,511,416 thousand, compared to RMB 538,888,382 thousand at the end of 2022[30] - The total assets of Zhengzhou Bank amounted to RMB 606,378,430 thousand, an increase from RMB 591,513,618 thousand in December 2022[29] Capital and Ratios - Core Tier 1 capital adequacy ratio was 9.42% as of March 31, 2023, up from 9.29% at the end of 2022[11] - The weighted average return on equity (ROE) was 11.49% for Q1 2023, a slight decrease of 0.01 percentage points from 11.50% in Q1 2022[4] - Non-performing loan ratio remains stable at 1.88% as of March 31, 2023, compared to 1.88% at the end of 2022[13] - Provision coverage ratio is at 159.23%, above the regulatory requirement of 150%[13] - Total assets return on equity (annualized) improved to 0.83% from 0.45% at the end of 2022[13] - The bank's liquidity coverage ratio stood at 285.83%, down from 300.13% at the end of 2022[11] Income Sources - Net income from fees and commissions decreased by 30.56% year-on-year to RMB 161,462 thousand due to regulatory fee reduction policies[18] - Investment income increased by 55.58% year-on-year to RMB 205,213 thousand, driven by trading bond investments[18] - The group’s fee and commission income for the three months ended March 31, 2023, was RMB 192,919 thousand, down from RMB 268,611 thousand in the same period last year, a decline of about 28.14%[32] Shareholder Information - The number of ordinary shareholders reached 101,100, with a significant majority being A-share holders[22] - The number of shares held by the top 10 shareholders includes 1,836,589,934 H shares held by Hong Kong Central Clearing Limited, representing 22.22% of total shares[25] Strategic Focus - The bank's strategic focus includes enhancing technology integration and launching new financial products to support innovation[20]

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 - Operating revenue for 2022 was RMB 15,101,350 thousand, an increase of 2.03% compared to RMB 14,800,539 thousand in 2021[18]. - Total profit decreased by 29.61% to RMB 2,807,230 thousand from RMB 3,988,138 thousand in the previous year[18]. - Net profit attributable to shareholders was RMB 2,422,304 thousand, down 24.92% from RMB 3,226,192 thousand in 2021[18]. - The total assets at the end of 2022 reached RMB 591,513,618 thousand, reflecting a growth of 2.88% from RMB 574,979,662 thousand in 2021[19]. - The non-performing loan ratio increased slightly to 1.88% from 1.85% in the previous year[20]. - The core tier 1 capital ratio decreased to 9.29% from 9.49% in 2021, a decline of 0.20%[20]. - The net interest margin for 2022 was 2.18%, down from 2.24% in 2021[21]. - The provision coverage ratio improved to 165.73% from 156.58% in the previous year, an increase of 9.15%[20]. - The total loans and advances (excluding accrued interest) increased by 14.49% to RMB 330,921,097 thousand from RMB 289,027,668 thousand in 2021[19]. - The weighted average return on equity decreased to 3.53% from 7.17% in 2021, a decline of 3.64%[20]. Risk Management - The company did not identify any significant risks that would adversely affect its future development strategy and operational goals during the reporting period[2]. - The company is focused on risk management and has outlined its strategies in the "Management Discussion and Analysis" section of the report[2]. - The provision coverage ratio for non-performing loans was calculated based on the balance of impairment provisions against the total amount of non-performing loans[24]. - The bank's capital adequacy ratio is calculated based on the statutory financial statements prepared in accordance with Chinese accounting standards[24]. - The non-performing loan ratio is calculated as the total amount of non-performing loans divided by the total amount of loans issued[24]. - The average return on assets for the reporting period was calculated based on the net profit as a percentage of the average total assets[24]. - The company has established a comprehensive market risk management framework, including risk identification, measurement, and monitoring[159]. - The company has implemented a daily risk monitoring system to enhance the quality and effectiveness of risk management[159]. - The company has revised its operational risk management framework to minimize operational losses[160]. - The company has developed a robust anti-money laundering framework, including 11 specialized regulations[165]. Strategic Initiatives - The company emphasizes a commitment to high-quality development and aims to establish itself as a leading bank in value[9]. - The bank plans to continue expanding its market presence and enhancing its product offerings in the future[9]. - Zhengzhou Bank is committed to digital transformation and has been designated as a policy-oriented financial operation entity for scientific and technological innovation[12]. - The bank's strategy includes a focus on risk control and the disposal of non-performing assets to strengthen its foundation[12]. - The bank aims to enhance its role in local economic development while adhering to national and provincial policy directives[13]. - The bank's strategic vision focuses on becoming a "value-leading bank for high-quality development" with three main business positions: trade logistics bank, SME financial service expert, and boutique citizen bank[34]. - The bank is actively pursuing digital transformation to enhance financial services for the real economy, leveraging the "Digital China" national strategy[34]. - The bank's strategy focuses on high-quality development, innovation-driven growth, and optimizing the asset-liability structure to achieve balanced growth in scale, profitability, and risk[175]. Loans and Advances - Zhengzhou Bank provided financial support for small and micro enterprises, processing 4,500 loan deferments totaling RMB 3.18 billion[10]. - The bank approved RMB 6.4 billion in loans for the "guarantee delivery" initiative, signing strategic cooperation agreements with 7 real estate companies[11]. - As of the reporting period, Zhengzhou Bank supported 2,640 innovation-related loans, with a total balance of RMB 24.1 billion[13]. - The total amount of loans and advances issued by the bank was RMB 330.92 billion, an increase of RMB 41.89 billion or 14.49% year-on-year[76]. - The balance of loans to small and micro enterprises reached RMB 44.292 billion, an increase of 13.72% compared to the end of the previous year, exceeding the overall loan growth rate by 0.88 percentage points[151]. - The cumulative issuance of inclusive loans to small and micro enterprises amounted to RMB 29.799 billion, with an average interest rate of 5.68%[151]. - The bank's total loan issuance reached RMB 330.92 billion, with a non-performing loan rate of 1.80% for corporate loans, a decrease of 0.06 percentage points year-on-year[101]. - Personal loans accounted for 24.57% of total loans, with a non-performing loan rate of 2.49%, an increase of 0.34 percentage points from the previous year[101]. Shareholder Information - The bank's total issued shares as of December 31, 2022, amounted to 8,265,537,599, including 1,836,780,000 H shares and 6,428,757,599 A shares[178]. - The total number of ordinary shareholders at the end of the reporting period was 98,586, with 98,532 A-share shareholders and 54 H-share shareholders[187]. - The top 10 ordinary shareholders held a total of 4,200,000,000 shares, with the largest shareholder, Hong Kong Central Clearing Limited, holding 1,836,588,724 H-shares, representing 22.22%[188]. - Zhengzhou Finance Bureau held 597,496,646 A-shares, accounting for 7.23% of total shares, with 84,799,000 shares pledged[188]. - The report indicates that there were no special agreements for repurchase transactions among the top 10 shareholders[191]. - The report highlights the ownership structure involving multiple layers of control among major shareholders, particularly in state-owned enterprises[195]. - The major shareholders include Zhengzhou Finance Bureau, Zhengzhou Investment Holding Co., Ltd., and other related entities[200]. - There are no controlling shareholders or actual controllers for Zhengzhou Bank as of the end of the reporting period[200]. Economic Outlook - The bank anticipates facing risks from global economic downturns and domestic economic pressures in 2023[174]. - The overall economy is expected to return to potential growth rates in 2023, with significant consumption rebound anticipated due to targeted interest rate cuts in the real estate sector[175]. - The bank will closely monitor macroeconomic policies and the impact of extreme weather on its operations, ensuring financial stability and operational results[175]. - The bank's focus on restoring and expanding consumption is aligned with provincial efforts to activate the real estate market and promote major project advancements[175].

Financial Performance - Operating income for Q3 2022 was RMB 4,160,477 thousand, an increase of 19.30% year-on-year[4] - Net profit attributable to shareholders for Q3 2022 was RMB 872,379 thousand, a decrease of 0.63% year-on-year[4] - Net profit attributable to shareholders after deducting non-recurring gains and losses for Q3 2022 was RMB 825,378 thousand, a decrease of 5.36% year-on-year[4] - The total operating income for the group reached RMB 11,723,349 thousand, an increase from RMB 10,435,097 thousand in the same period last year, representing a growth of approximately 12.3%[32] - Net interest income for the group was RMB 9,455,463 thousand, up from RMB 8,736,852 thousand, reflecting a year-on-year increase of about 8.2%[32] - The net profit attributable to shareholders of the bank was RMB 3,543,822 thousand, compared to RMB 3,456,135 thousand in the previous year, indicating a growth of approximately 2.5%[33] - The total profit amounted to RMB 4,355,769 thousand, which is an increase from RMB 4,236,446 thousand, showing a growth of around 2.8% year-on-year[33] - The total comprehensive income for the group was RMB 3,750,293 thousand, down from RMB 3,985,486 thousand, indicating a decrease of about 5.9%[34] Asset and Liability Management - Total assets as of September 30, 2022, were RMB 596,131,114 thousand, an increase of 3.68% from the end of 2021[6] - The total liabilities as of September 30, 2022, were RMB 532,939,613 thousand, an increase of 3.37% from the end of 2021[6] - The bank's total equity reached RMB 63.19 billion as of September 30, 2022, up from RMB 59.41 billion at the end of 2021, reflecting a growth of approximately 6.5%[31] - The bank's total assets increased to 457,135,570 thousand RMB as of September 30, 2022, up from 421,013,820 thousand RMB at the end of 2021[13] - The bank's total deposits reached RMB 339.88 billion as of September 30, 2022, compared to RMB 321.57 billion at the end of 2021, representing an increase of about 5.7%[30] Capital Adequacy and Risk Management - The core tier 1 capital adequacy ratio as of September 30, 2022, is 9.54%, an increase from 9.49% at the end of 2021[10] - The bank's total capital adequacy ratio is 14.51%, slightly down from 15.00% at the end of 2021[13] - The loan provision coverage ratio is 3,169.12%, well above the regulatory requirement of 150%[10] - The non-performing loan ratio is 1.76%, down from 1.85% at the end of 2021, indicating improved asset quality[10] Cash Flow Analysis - The net cash flow from operating activities for Q3 2022 was RMB (4,614,560) thousand, a decrease of 77.25% year-on-year[4] - The cash inflow from operating activities for the group was RMB 40,202,723 thousand for the nine months ended September 30, 2022, down from RMB 45,308,441 thousand in the same period of 2021, a decrease of 6.2%[39] - The net cash flow from operating activities for the bank was RMB (20,783,729) thousand, down from RMB (25,409,235) thousand, representing a decline of about 18.5%[40] - The net cash flow from investment activities for the group was RMB 20,897,096 thousand, down from RMB 26,190,609 thousand, indicating a decline of about 20.5%[41] Operational Efficiency - The cost-to-income ratio improved to 17.53% from 22.98% year-on-year, reflecting better operational efficiency[12] - The bank's investment income increased by 64.65% year-on-year, reaching 674,749 thousand RMB, driven by favorable bond market conditions[17] - The bank's foreign exchange net income surged by 693.22% year-on-year, totaling 1,075,050 thousand RMB, attributed to fluctuations in the USD/RMB exchange rate[17] Strategic Initiatives - The bank has launched a new debit card for new citizens and developed exclusive consumer loan and wealth management products[20] - Financial support for the "guarantee housing" initiative amounted to RMB 5.692 billion in approvals and RMB 1.842 billion in disbursements[20] - A total of 83 credit cooperation projects were initiated with key small and micro enterprise parks, resulting in RMB 15.464 billion in credit support[19]

Financial Performance - The bank reported a total revenue of RMB 1.2 billion for the first half of 2022, reflecting a year-on-year increase of 15%[2]. - Net profit attributable to shareholders reached RMB 500 million, representing a growth of 10% compared to the same period last year[2]. - Total operating revenue for the first half of 2022 reached RMB 7,562,872 thousand, an increase of 8.86% compared to RMB 6,947,551 thousand in the same period of 2021[12]. - Net profit attributable to shareholders was RMB 2,531,066 thousand, reflecting a growth of 3.15% from RMB 2,453,871 thousand year-on-year[12]. - The net profit for the period was RMB 2.632 billion, representing a year-on-year growth of 3.63%[25]. - The total profit for the first half of 2022 was RMB 3,245,690 thousand, reflecting a 2.67% increase from RMB 3,161,181 thousand in the same period of 2021[33]. Assets and Liabilities - The bank's total assets increased to RMB 150 billion, up 8% from the end of 2021[2]. - Total assets as of June 30, 2022, amounted to RMB 584,295,564 thousand, representing a 1.62% increase from RMB 574,979,662 thousand at the end of 2021[12]. - Total liabilities stood at RMB 522,149,410 thousand, which is a 1.28% increase from RMB 515,568,122 thousand at the end of 2021[12]. - The bank's total liabilities reached RMB 548.29 billion, reflecting a growth of RMB 9.32 billion or 1.73% from the previous year[66]. - The bank's total deposits amounted to RMB 327,616,719 thousand, reflecting an increase of RMB 6,042,504 thousand or 1.88% from RMB 321,574,215 thousand at the end of the previous year[83]. Loan and Deposit Growth - Customer deposits grew by 12% year-on-year, totaling RMB 120 billion[2]. - The total amount of loans and advances (excluding accrued interest) was RMB 316,481,914 thousand, up by 9.50% from RMB 289,027,668 thousand in the previous year[12]. - The total amount of loans and advances reached RMB 316.48 billion, with a non-performing loan amount of RMB 5,574,487 thousand, resulting in a non-performing loan rate of 1.76%[92]. - The total amount of corporate loans reached RMB 222.42 billion, with an increase of RMB 22.64 billion or 11.33% from the previous year[71]. - Personal loans totaled RMB 79.95 billion, representing 25.26% of total loans, with a year-on-year increase of RMB 3.81 billion or 5.00%[73]. Risk Management - The non-performing loan ratio remained stable at 1.5%, indicating effective risk management strategies[2]. - The non-performing loan ratio improved to 1.76% as of June 30, 2022, down from 1.85% at the end of 2021[13]. - The bank has identified no significant risks that could adversely affect its strategic development and operational goals[2]. - The bank's credit impairment losses were RMB 2.959 billion, an increase of RMB 0.548 billion or 22.75% year-on-year, primarily due to increased provisioning efforts[61]. - The bank has implemented various measures to enhance risk management, including a comprehensive credit risk management framework and improved risk monitoring systems[149]. Technology and Innovation - Investment in technology and digital banking solutions increased by 25%, focusing on improving customer experience[2]. - The bank aims to enhance its digital transformation and expand its services to rural areas through innovative products like the "Rural Revitalization" mobile banking app[26]. - The "Cloud Financing" platform provided financing exceeding RMB 21 billion to over 1,000 upstream and downstream clients[139]. - The "Cloud Logistics" platform facilitated nearly 1.25 million payment transactions, amounting to RMB 1.8 billion[140]. Shareholder Information - As of June 30, 2022, the total number of issued shares is 8,265,537,599, including 6,428,757,599 A-shares and 1,836,780,000 H-shares[167]. - The largest shareholder, Hong Kong Central Clearing Limited, holds 1,836,582,674 H-shares, representing 22.22% of total shares[172]. - The total number of ordinary shareholders reached 99,227, with 99,170 holding A-shares and 57 holding H-shares[171]. - The company did not conduct any share buybacks during the reporting period[165]. - The report indicates that there were no repurchase transactions among the top 10 ordinary shareholders during the reporting period[175]. Future Outlook - Future guidance indicates a target net profit growth of 12% for the full year 2022[2]. - The bank plans to expand its branch network by 20% in the next year to enhance customer service and market reach[2]. - The bank aims to enhance financial services for new citizens, with a dedicated loan balance of RMB 1.2 trillion by the end of June 2022[22]. - The bank plans to expand its market presence through strategic partnerships and new product offerings in the upcoming quarters[82].

Financial Performance - The bank's operating income for Q1 2022 was RMB 3,421,374,000, representing a 7.13% increase compared to RMB 3,193,708,000 in Q1 2021[3] - Net profit attributable to shareholders for Q1 2022 was RMB 1,166,426,000, a 3.66% increase from RMB 1,125,256,000 in the same period last year[3] - The bank's net profit for the first quarter of 2022 was RMB 1.22 billion, representing a year-on-year increase of 5.07%[19] - The total comprehensive income for the group was RMB 1,291,449 thousand, up from RMB 1,200,755 thousand in the same period last year, indicating a growth of approximately 7.56%[37] - The total profit for the group was RMB 1,504,566 thousand, compared to RMB 1,430,475 thousand in the previous year, representing an increase of about 5.18%[36] Asset and Liability Management - Total assets as of March 31, 2022, were RMB 575,109,347,000, a slight increase of 0.02% from RMB 574,979,662,000 at the end of 2021[6] - The bank's total liabilities were RMB 514,406,358,000, a decrease of 0.23% from RMB 515,568,122,000 at the end of 2021[6] - The bank's total liabilities as of March 31, 2022, included deposits from customers amounting to RMB 325,161,235 thousand, a slight increase from RMB 321,574,215 thousand as of December 31, 2021[32] - The total assets of the group amounted to RMB 575,109,347 thousand, a slight increase from RMB 574,979,662 thousand as of December 31, 2021[31] Loan and Credit Quality - The bank's total loans and advances amounted to RMB 306,544,896,000, reflecting a 6.06% increase from RMB 289,027,668,000 at the end of 2021[6] - The non-performing loan ratio was 1.80% as of March 31, 2022, a slight improvement from 1.85% at the end of 2021[10] - The non-performing loan ratio decreased to 1.80%, down by 0.05 percentage points from the beginning of the year[19] - The group's non-performing loan ratio remained stable, with credit impairment losses recorded at RMB 1,346,495 thousand for the three months ended March 31, 2022, compared to RMB 1,041,574 thousand for the same period in 2021[35] Capital Adequacy - The bank's core Tier 1 capital adequacy ratio was 9.36% as of March 31, 2022, down from 9.49% at the end of 2021[10] - The capital adequacy ratio as of March 31, 2022, was 14.55%, a decrease from 15.00% at the end of 2021[13] - The core tier 1 capital adequacy ratio was 9.36%, slightly down from 9.49% at the end of 2021[13] Income Sources - The bank's fee and commission income decreased by 30.12% year-on-year to RMB 268.61 million due to regulatory fee reduction policies[17] - Investment income surged by 385.60% year-on-year to RMB 131.90 million, attributed to changes in trading bond investments[17] - The bank's fee and commission income for the three months ended March 31, 2022, was RMB 232,520 thousand, down from RMB 341,752 thousand in the same period of 2021, reflecting a decline of approximately 31.9%[35] Cash Flow and Liquidity - The net cash flow from operating activities was RMB (19,460,535,000), a significant decline of 624.06% compared to RMB (2,687,681,000) in Q1 2021[3] - The total cash inflow from operating activities was RMB 14,993,150 thousand, a decrease from RMB 23,454,913 thousand in the same period last year, indicating a decline of approximately 36.06%[38] - The net cash inflow from investment activities was RMB 9,445,113 thousand, compared to RMB 120,184 thousand in the previous year[40] - The liquidity coverage ratio was reported at 253.97%, indicating strong liquidity management[15] Shareholder Information - The largest shareholder is Hong Kong Central Clearing Limited, holding 1,836,581,354 H shares, representing 22.22% of total shares[22] - Zhengzhou Finance Bureau holds 597,496,646 A shares, accounting for 7.23% of total shares, with 84,799,000 shares pledged[22] - Zhengzhou Investment Holding Company owns 449,810,819 A shares, which is 5.44% of total shares[22] - The total number of overseas preferred shareholders is 1, with The Bank of New York Depository holding 59,550,000 shares, representing 100% of the overseas preferred shares[27] Strategic Initiatives - The bank is advancing its digital transformation, enhancing customer data systems and risk management capabilities[20] - The bank has signed strategic cooperation agreements with 17 technology innovation enterprises, positioning itself as a key player in policy-driven financial operations in Henan Province[19] Other Financial Activities - In January 2022, the company transferred debt assets related to a legal dispute, as announced on January 26, 2022[28] - The company fully redeemed a 10-year secondary capital bond worth RMB 2 billion issued in March 2017 in March 2022[28] - The report indicates that the top 10 ordinary shareholders did not engage in any repurchase transactions during the reporting period[25] - The report is available on the Shenzhen Stock Exchange and the company's website, as well as on the Hong Kong Stock Exchange[29] - The report includes a detailed financial statement, which is attached to the announcement[30]

Financial Performance - The company reported a consolidated financial statement for the year 2021, which includes data from its subsidiaries, with a focus on compliance with Chinese and international accounting standards[2]. - The total assets of Zhengzhou Bank reached RMB 574.98 billion, an increase of 4.96% compared to the previous year[10]. - The total deposits amounted to RMB 318.81 billion, reflecting a growth of 1.46% year-on-year[10]. - The total loans and advances reached RMB 289.03 billion, marking a significant increase of 21.46% from the previous year[10]. - The net profit for the reporting period was RMB 3.40 billion, representing a year-on-year growth of 2.32%[10]. - In 2021, Zhengzhou Bank reported operating income of RMB 14,800,539 thousand, a 1.33% increase from RMB 14,606,555 thousand in 2020[17]. - The total profit for 2021 was RMB 3,988,138 thousand, reflecting a decrease of 0.61% compared to RMB 4,012,467 thousand in 2020[17]. - Net profit attributable to shareholders was RMB 3,226,192 thousand, up 1.85% from RMB 3,167,567 thousand in the previous year[17]. - The bank's total capital net amount reached RMB 63,166,634 thousand, a 19.91% increase from RMB 52,679,369 thousand in 2020[18]. - The bank's total equity attributable to shareholders increased by 29.83% to RMB 57,766,182 thousand from RMB 44,494,897 thousand in 2020[18]. Risk Management - The company did not identify any significant risks that would adversely affect its future development strategy and operational goals during the reporting period[2]. - The company emphasizes the importance of risk management and outlines its strategies in the "Management Discussion and Analysis" section of the report[2]. - The bank's risk management framework was strengthened, focusing on credit risk management and compliance with regulatory requirements[150]. - The bank has established a comprehensive market risk management system, including risk measurement and stress testing[153]. - The bank has implemented a robust operational risk management framework to minimize operational risk losses[154]. Audit and Compliance - The financial report was audited by KPMG Huazhen and KPMG, both issuing standard unqualified audit opinions[2]. - The company’s legal representatives and senior management have confirmed the accuracy and completeness of the financial report[2]. - The annual report was approved by the board of directors on March 30, 2022, with 11 out of 12 directors present[2]. Shareholder Information - The total number of ordinary shares issued by Zhengzhou Bank as of December 31, 2021, is 8,265,537,599 shares, including 1,836,780,000 H shares and 6,428,757,599 A shares[171]. - The bank implemented a capital reserve conversion, increasing the number of ordinary shares by 751,412,509 shares, resulting in a total of 8,265,537,599 shares[172]. - Basic earnings per share for the year 2021 is RMB 0.33, down from RMB 0.36 in 2020 (restated)[174]. - The number of ordinary shareholders at the end of the reporting period was 100,338, with 100,281 being A-shareholders and 57 being H-shareholders[182]. - The top 10 ordinary shareholders held a total of 3,905,000,000 shares, with the largest shareholder being Hong Kong Central Clearing Limited, holding 1,836,581,354 H-shares[183]. Loans and Advances - The total amount of loans and advances was RMB 289.03 billion, up RMB 51.07 billion or 21.46% from the previous year, with corporate loans making up 69.13% of the total[71]. - Corporate loans increased to RMB 199.78 billion, a rise of RMB 42.83 billion or 27.29% year-on-year, reflecting a focus on trade finance and small business finance[73]. - Personal loans totaled RMB 76.14 billion, an increase of RMB 8.81 billion or 13.08% from the previous year, driven by growth in both personal operating loans and housing mortgage loans[75]. - The non-performing loan ratio was 1.85%, a decrease of 0.23 percentage points compared to the end of 2020[11]. - The bank's overdue loans amounted to RMB 8.35 billion, an increase of RMB 1.11 billion or 15.32% from the previous year, with an overdue loan ratio of 2.89%[100]. Deposits and Funding - The total amount of deposits absorbed by the bank was RMB 318,813.00 million, with a slight increase of 45.83 million or 1.46% from the previous year[86]. - Corporate demand deposits amounted to RMB 88.227 billion, an increase of RMB 14.581 billion, or 19.80%, from the previous year[127]. - Personal deposits totaled RMB 121.680 billion, with an increase of RMB 13.906 billion, or 12.90%, compared to the previous year[132]. Innovative Products and Services - The bank launched innovative financial products including "Technology Talent Loan" and "Equity Rights Loan" to support local enterprises[35]. - Established a comprehensive financial service network for rural areas, issuing 19,100 "Rural Revitalization Cards"[35]. - The bank's "Zhengke Loan" business maintained the largest market share among over 20 cooperative financial institutions[10]. Community Engagement - The bank contributed over RMB 4 million in donations to disaster relief efforts during the floods and pandemic[11]. - Actively participated in disaster recovery efforts, providing RMB 3 billion in post-disaster reconstruction loans[34]. Future Outlook - The bank anticipates potential risks from global economic slowdown and domestic pandemic impacts, but expects regional economic stabilization through strategic projects[166]. - The bank plans to deepen the development of "Four New Financial" services to achieve balanced growth in scale, profitability, and risk management[167]. - The bank aims to enhance financial services for small and micro enterprises, focusing on high-quality development and risk prevention[162].

Financial Performance - Operating income for Q3 2021 was RMB 3,487,546 thousand, an increase of 8.30% year-on-year[5] - Net profit attributable to shareholders for Q3 2021 was RMB 877,943 thousand, a slight increase of 0.36% year-on-year[5] - Net profit attributable to shareholders after deducting non-recurring gains and losses for Q3 2021 was RMB 872,114 thousand, up 1.18% year-on-year[5] - The basic earnings per share for Q3 2021 was RMB 0.12, a decrease of 7.69% year-on-year[6] - The net profit for the first three quarters was RMB 3.456 billion, a year-on-year increase of 1.26%[20] - The bank's net profit for the nine months ended September 30, 2021, was RMB 4,238,156 thousand, slightly higher than RMB 4,234,064 thousand for the same period in 2020, showing a marginal increase[36] - The total profit for the nine months ended September 30, 2021, was RMB 4,236,446 thousand, slightly up from RMB 4,231,856 thousand in the previous year, indicating a marginal increase of 0.1%[38] - The net profit attributable to shareholders of the bank for Q3 2021 was RMB 975,533,000, up 71.6% from RMB 568,519,000 in Q3 2020[44] Assets and Liabilities - Total assets as of September 30, 2021, reached RMB 561,961,906 thousand, an increase of 2.58% from the end of 2020[7] - The total liabilities as of September 30, 2021, were RMB 512,007,929 thousand, an increase of 2.03% from the end of 2020[7] - The total equity attributable to shareholders as of September 30, 2021, was RMB 48,356,062 thousand, an increase of 8.68% from the end of 2020[7] - The bank's total liabilities as of September 30, 2021, amounted to RMB 512,007,929 thousand, up from RMB 501,841,523 thousand at the end of 2020, marking an increase of about 2.3%[32] - Customer deposits totaled RMB 315,378,562 thousand as of September 30, 2021, a slight decrease from RMB 316,512,735 thousand at the end of 2020, reflecting a decline of about 0.4%[32] Capital Adequacy and Quality - The core tier 1 capital adequacy ratio as of September 30, 2021, is 9.62%, an increase from 8.92% at the end of 2020[11] - The bank's total capital adequacy ratio is 13.56%, up from 12.86% at the end of 2020, indicating a stronger capital position[13] - The non-performing loan ratio is 1.95%, down from 2.08% at the end of 2020, indicating improved asset quality[11] - The provision coverage ratio of non-performing loans stood at 156.62%[20] Income and Expenses - The bank's net investment income decreased by 73.14% year-on-year to RMB 409,801 thousand due to reduced bond investment returns[17] - The bank's operating expenses for the three months ended September 30, 2021, totaled RMB 2,414,653 thousand, compared to RMB 2,072,667 thousand in the same period of 2020, representing an increase of 16.5%[41] - The bank's credit impairment losses for the three months ended September 30, 2021, were RMB 1,590,803 thousand, compared to RMB 1,317,943 thousand in the same period of 2020, indicating an increase of 20.7%[41] Cash Flow and Liquidity - The liquidity coverage ratio stands at 179.09%, significantly above the regulatory requirement of 100%[15] - The bank's cash net outflow for the next 30 days is RMB 28,075,036 thousand, supported by high-quality liquid assets of RMB 50,280,525 thousand[15] - The net cash inflow from operating activities for the group in the first nine months of 2021 was RMB 45,308,441,000, down from RMB 63,674,129,000 in the same period of 2020[48] - The net cash outflow from operating activities for the group was RMB 25,846,390,000 in the first nine months of 2021, compared to RMB 599,602,000 in the same period of 2020[49] - The cash and cash equivalents balance as of September 30 was CNY 13,032,494 thousand, up from CNY 11,536,333 thousand year-over-year, indicating a growth of about 12.9%[54] Loans and Advances - The total amount of loans and advances as of September 30, 2021, was RMB 282,600,175 thousand, an increase of 18.76% year-on-year[7] - The bank's total loans classified as normal increased by 18.80% to RMB 271,071,216 thousand, representing 95.92% of total loans[16] - The net increase in loans and advances for the group was RMB (46,323,615,000) in the first nine months of 2021, compared to RMB (36,881,620,000) in the same period of 2020[48] Shareholder Information - The total number of ordinary shareholders reached 102,812, with the top 10 shareholders holding significant stakes[21] - The bank's basic and diluted earnings per share for Q3 2021 were both RMB 0.12, compared to RMB 0.13 in Q3 2020[44] Strategic Initiatives - The bank signed agreements to support technology enterprises and small businesses, providing nearly RMB 8 billion in credit support[20] - Issued RMB 5 billion in fixed-rate bonds with a coupon rate of 3.16% for innovation and entrepreneurship financing[27] - The bank is actively involved in rural finance, launching exclusive products and establishing service stations[20] - The bank has implemented emergency loan policies and support measures in response to recent flood disasters[20]