董事會提名委員會工作細則 鄭州銀行股份有限公司 （修 訂 稿） 第一章 總 則 第一條 為 規 範 鄭 州 銀 行 股 份 有 限 公 司（以 下 簡 稱「本 行」）董 事 會 提 名 委 員 會 的 工 作 行 為，規 範 工 作 程 序，建 立 健 全 本 行 董 事、高 級 管 理 人 員 的 提 名 選 舉 管 理 制 度，優 化 董 事 會、高 級 管 理 層 的 人 員 組 成 與 結 構，進 一 步 完 善 公 司 治 理 結 構，促 進 本 行 健 康 穩 定 持 續 發 展，根 據《中 華 人 民 共 和 國 公 司 法》、《中 華 人 民 共 和 國 商 業 銀 行 法》、《銀 行 保 險 機 構 公 司 治 理 準 則》、《鄭 州 銀 行 股 份 有 限 公 司 章 程》（以 下 簡 稱「本 行 章 程」）、《香 港 聯 合 交 易 所 有 限 公 司 證 券 上 市 規 則》（以 下 簡 稱「上 市 規 則」）、《上 市 公 司 治 理 準 則》及 其 他 有 關 規 定，特 制 定 本 細 則。 第二條 提名委員會是本行董事會按照本行章程要求設立的專門委員 會，主 要 負 責 擬 定 ...

2024 年度股东周年大会会议材料 郑州银行股份有限公司 BANK OF ZHENGZHOU CO., LTD. 2024年度股东周年大会 会议材料 2025年6月 2024 年度股东周年大会会议材料 股东大会议程 召开时间：2025年6月27日（星期五）上午9点 召开地点：郑州市郑东新区商务外环路22号郑州银行大厦 召 集 人：郑州银行股份有限公司董事会 会议议程： 八、宣布会议结束 1 一、宣布会议开始 二、审议议案 三、推选计票人、监票人 四、填写表决票 五、休会（统计表决结果） 六、宣布表决结果及会议决议 七、律师宣读法律意见书 2024 年度股东周年大会会议材料 目 录 2024 年度股东周年大会议案 普通决议案 1. 郑州银行股份有限公司 2024 年度董事会工作报告............................... 1 2. 郑州银行股份有限公司 2024 年度监事会工作报告............................... 2 3. 郑州银行股份有限公司 2024 年度财务决算情况报告........................... 3 4. 关于郑州银行股份有限 ...

证券代码：002936 证券简称：郑州银行 公告编号：2025-030 郑州银行股份有限公司 关于召开 2024 年度股东周年大会的通知 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 2024 年度股东周年大会定于 2025 年 6 月 27 日上午 9:00 召开，会议有 关事项通知如下： 一、召开会议基本情况 （一）股东大会届次：2024 年度股东周年大会。 （二）召集人：本行董事会，本行第八届董事会 2025 年第四次临时会议审 议通过了《关于召开郑州银行股份有限公司 2024 年度股东周年大会的议案》。 （三）会议召开的合法合规性说明：本次股东大会的召开符合有关法律、行 政法规、部门规章、规范性文件、深圳证券交易所业务规则和本行《公司章程》 等的规定。 （七）出席对象： 1．截至 2025 年 6 月 24 日（星期二）下午收市时在中国证券登记结算有限 责任公司深圳分公司登记在册的本行全体 A 股普通股股东，均有权出席本次股 东大会，并可以以书面形式委托代理人出席会议和参加表决，该股东代理人不必 是本行股东（授权委 ...

证券代码：002936 证券简称：郑州银行 公告编号：2025-029 郑州银行股份有限公司 第八届董事会2025年第四次临时会议决议公告 本行于 2025 年 5 月 23 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 2025 年第四次临时会议的通知，会议于 2025 年 5 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，刘亚天先生、萧志雄先生以电话或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》（以 下简称"本行《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《关于修订<郑州银行股份有限公司董事会授权方案> 的议案》。 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《关于修订<郑州银行股份有限公司董事会提名委员 会工作细则>的议案》。 本议案同意票 9 票，反对票 0 票，弃权票 0 票。 （三）会议审议通过 ...

Core Viewpoint - Zhengzhou Bank is committed to serving the local economy and supporting private enterprises, with a focus on enhancing financial services to empower the development of the real economy, as evidenced by an increase in private enterprise loan accounts to 70,287, up by 1,644 year-on-year by the end of December 2024 [1] Group 1: Strategic Focus - Zhengzhou Bank integrates its development into the local economic framework, aligning with regional strategic planning to address the financial needs of the real economy and improve the welfare of residents [2] - The bank has expanded its coordination mechanism for real estate financing, supporting 40 "white list" projects across 11 cities to meet reasonable financing demands in the real estate sector [2] - The bank emphasizes the "five major articles" of finance, enhancing management through a checklist approach to support key projects like the Zhongyuan Science and Technology City Intelligent Technology Industrial Park [2] Group 2: Support for Small and Micro Enterprises - To better empower the development of small and micro enterprises, Zhengzhou Bank established a financing coordination mechanism led by its chairman, ensuring effective communication and implementation of support measures [3] - The bank has launched 12 financial products, including various loans tailored for small and micro enterprises, and streamlined approval processes to ensure timely access to financing [3] Group 3: Innovation in Technology Finance - Zhengzhou Bank focuses on technology finance as a key driver for high-quality economic development, offering customized financial products for tech enterprises and research institutions [4] - The bank has introduced innovative products such as "R&D Loans" and established a "Investment-Loan Linkage" business model to support technology-driven companies [4] - A comprehensive evaluation system for technology innovation capabilities has been developed to assist in identifying and assessing tech enterprises [4] Group 4: Digital Transformation - Zhengzhou Bank is committed to digital transformation, prioritizing customer experience and operational efficiency, and leveraging technology to enhance business management [5] - Strategic partnerships with companies like Huawei and Zhenghao Rong Credit Service aim to foster digital innovation in banking services [5]

Core Viewpoint - The competition in consumer loans among banks has shifted from a focus on low interest rates to enhancing loan limits and extending loan terms, as banks seek to adapt to changing market conditions and regulatory guidance [1][11][15] Consumer Loan Growth - In 2024, the total consumer loan balance of 40 A-share listed banks increased by over 950 billion yuan, with some banks experiencing growth rates exceeding 90% compared to the previous year [1][3] - The consumer loan balance for these banks reached approximately 6.06 trillion yuan by the end of 2024, marking an increase of 957.85 billion yuan from the previous year [3][4] Interest Rate Trends - Consumer loan interest rates dropped to the "2" range, with some banks offering rates as low as 1.88% for select customers, but this trend has reversed with many banks raising rates to no less than 3% by April 2024 [1][9][10] - The shift back to "3" range interest rates is aimed at preventing excessive competition and potential financial risks associated with low-rate loans [10][11] Bank Strategies - Banks are now focusing on enhancing consumer loan products by increasing limits and extending terms, responding to government initiatives to boost consumption [11][12] - Various banks have begun to raise loan limits and extend repayment periods, with some institutions increasing the maximum loan amount from 300,000 yuan to 500,000 yuan and extending terms from five to seven years [12][16] Market Segmentation - The consumer loan market is showing significant differentiation, with some banks rapidly expanding their loan portfolios through low-rate strategies, while others are contracting due to concerns over rising non-performing loan rates [5][10] - Banks are increasingly targeting specific consumer scenarios, such as home renovations and electric vehicle purchases, to drive loan growth [15][16] Risk Management - The rise in consumer loan balances has led to an increase in non-performing loans, prompting banks to enhance their risk management practices and focus on quality customer segments [9][10][14] - Regulatory bodies are emphasizing the need for banks to monitor the flow of consumer loan funds to mitigate systemic risks [14]

Core Insights - The signing ceremony of the strategic cooperation agreement between Jiyuan Municipal Government and Zhengzhou Bank took place on May 22, highlighting the importance of financial support for Jiyuan's economic development [1][2] - Jiyuan aims to enhance its industrial strength, urban quality, cultural tourism brand, and quality of life, emphasizing the need for increased financial support from institutions like Zhengzhou Bank [1] - Zhengzhou Bank expressed its commitment to leveraging its resources and expertise to support Jiyuan's economic growth and development through innovative financial services [2] Group 1 - Jiyuan has a solid industrial foundation with key industries such as non-ferrous metals and deep processing of steel products, alongside emerging strategic industries like nanomaterials [1] - The city is focused on achieving high-quality development in line with the "14th Five-Year Plan" and preparing for the "15th Five-Year Plan," indicating a strategic approach to economic planning [1] - Zhengzhou Bank has emphasized its role in supporting local economic development and plans to innovate financial models to better serve Jiyuan's needs [2] Group 2 - The strategic cooperation agreement aims to enhance financial support for key enterprises and industries in Jiyuan, ensuring the financing of major projects [2] - Zhengzhou Bank intends to utilize its advantages as a local bank to provide efficient and tailored financial services to Jiyuan [2] - The partnership is expected to foster mutual benefits and joint development between Jiyuan and Zhengzhou Bank [1][2]

Investment Rating - The report indicates a positive outlook for the banking sector, suggesting that certain stocks may have alpha potential due to policy catalysts and a cyclical recovery [4]. Core Insights - Multiple banks have lowered their deposit rates, with the one-year and five-year Loan Prime Rate (LPR) reduced by 10 basis points on May 20, 2025. This trend reflects a broader market-driven decline in deposit costs [1][2]. - The average deposit cost rate for China Merchants Bank decreased significantly by 25 basis points to 1.29% in Q1 2025, indicating a trend of improving deposit costs across the sector [1]. - The report highlights that banks like Chongqing Bank, Minsheng Bank, and CITIC Bank have substantial room for further deposit cost reductions, suggesting a favorable environment for banks to optimize their funding costs [2]. Summary by Sections Section 1: Focus of the Week - Several banks have adjusted their deposit rates downward, with over half of listed banks participating in this trend by May 24, 2025 [1]. - The report notes that the average deposit cost rate for China Merchants Bank has shown improvement since Q2 2024, aligning with previous forecasts of enhanced cost reduction in liabilities [1]. Section 2: Sector Perspective - The banking sector is expected to benefit from expansionary policies aimed at stabilizing the economy, with specific banks like Ningbo Bank, Postal Savings Bank, and China Merchants Bank highlighted as potential investment opportunities [4]. - The report emphasizes that the cyclical recovery may take time, but the ongoing interest rate cuts could sustain the dividend strategy for banks like Shanghai Bank and Jiangsu Bank [4]. Section 3: Key Data Tracking - The report tracks various financial metrics, including the issuance of interbank certificates and the average rates for different types of bank notes, indicating a dynamic market environment [9][8]. - It also notes the increase in the proportion of deposits with a remaining maturity of less than one year, which rose by 3 percentage points to 37.4% by the end of 2024, suggesting a trend towards concentrated deposit maturities [2][16].

Core Viewpoint - The banking sector in Central China, particularly in Hubei, Hunan, Henan, and Jiangxi provinces, is experiencing differentiated development, with city commercial banks showing resilience and growth, while rural commercial banks face significant operational challenges [1][9]. Group 1: City Commercial Banks Performance - Among the nine city commercial banks, eight reported year-on-year revenue growth, with seven achieving both revenue and net profit increases, indicating strong operational resilience [1][3]. - Changsha Bank leads with a revenue of 25.936 billion yuan and a net profit of 7.909 billion yuan, becoming a crucial pillar of regional finance [1][5]. - The revenue growth rates for Shangrao Bank and Ganzhou Bank were 33.69% and 12.81%, respectively, highlighting the growth potential of smaller city commercial banks [1][5]. Group 2: Net Profit and Revenue Disparities - In terms of net profit, Changsha Bank achieved 7.909 billion yuan, significantly higher than Ganzhou Bank's 722 million yuan, showcasing a stark disparity among the banks [4][5]. - The net profit growth rates varied, with Ganzhou Bank experiencing a remarkable increase of 91.44%, while other banks maintained stable growth rates between 0.22% and 7.69% [6][5]. Group 3: Asset Quality and Growth - Changsha Bank's total assets exceeded 1 trillion yuan, reaching 1,146.768 billion yuan, while other banks maintained assets between 500 billion and 700 billion yuan [8]. - Five city commercial banks showed robust asset growth, with asset expansion rates exceeding 10% for banks like Hubei Bank and Changsha Bank [8]. Group 4: Rural Commercial Banks Challenges - The three rural commercial banks faced significant operational pressures, with Wuhan Rural Commercial Bank's net profit declining by 50.46% and Changsha Rural Commercial Bank's by 31.62% [2][11]. - Despite efforts to diversify income sources, the reliance on interest income remains high, constituting 70% to 90% of total revenue for these banks [13]. Group 5: Strategic Alignment with Regional Development - City commercial banks are increasingly aligning their strategies with regional economic development, as seen with Changsha Bank's focus on key industries such as engineering machinery and renewable energy [14]. - The differentiation in performance between city and rural commercial banks reflects not only financial metrics but also their responsiveness to regional development strategies and core competitiveness [16][17].

Investment Rating - The report indicates a cautious outlook for the banking sector, with expected revenue and net profit growth rates for listed banks in 2025 projected at approximately -1% and 0% respectively [3][9]. Core Insights - The overall revenue and net profit growth rates for listed banks in Q1 2025 were -1.7% and -1.2% year-on-year, reflecting a decline compared to Q4 2024 [3][9]. - The performance of different types of banks varied significantly, with city and rural commercial banks leading in growth due to improved scale and net interest margin, while state-owned banks showed weaker performance [3][10]. - The net interest margin for listed banks in Q1 2025 was 1.37%, a decrease of 13 basis points year-on-year, but the decline was less severe than in the previous year [3][9]. Summary by Sections Revenue and Profit Overview - Listed banks experienced a decline in revenue and net profit growth rates, with Q1 2025 figures at -1.7% and -1.2% respectively, marking a drop of 1.8 percentage points and 3.5 percentage points from Q4 2024 [3][9]. - The decline in net interest income was attributed to a narrowing interest margin and challenges in volume compensating for price [9]. Asset Quality and Provisioning - The asset quality remained stable, with a decrease in non-performing loan ratios and a reduction in provisioning pressure, as banks continued to report lower provisions in a challenging income environment [3][9]. - The provision coverage ratio for listed banks decreased to 238% in Q1 2025, reflecting a trend of reduced provisioning amid stable asset quality [3][9]. Investment Recommendations - The report suggests that the banking sector's configuration value is enhanced by both fundamental and liquidity factors, with a focus on key index-weighted stocks such as China Merchants Bank and Industrial and Commercial Bank of China [3][9]. - The report highlights the potential for mid-sized banks to attract capital for growth, particularly in the context of capital replenishment and profitability [3][9].