Core Viewpoint - Zhengzhou Bank achieved growth in assets, deposits, loans, and profits in 2024, driven by steady credit business, improved operational performance, and deepening business transformation [1] Business Development - The bank optimized its business structure, with personal deposits reaching CNY 218.18 billion, accounting for 53.93% of total deposits, an increase of nearly 16 percentage points from 2021 [2] - Loan issuance totaled CNY 387.69 billion, a growth of 7.51% year-on-year, surpassing the average growth rate of provincial peers [2] - The bank's human resources efficiency improved, with per capita deposits at CNY 6.5 million and average deposits per branch at CNY 222.3 million [2] Financial Performance and Risk Control - Zhengzhou Bank reported operating income of CNY 12.88 billion and total profit of CNY 1.79 billion in 2024, marking a 2.69% increase in total profit, the first positive growth in three years [3] - The bank's net profit attributable to shareholders was CNY 1.88 billion, up 1.39% year-on-year, with a cash dividend proposal of CNY 0.20 per share [3] - Total assets reached CNY 676.37 billion, a 7.24% increase, with a non-performing loan ratio of 1.79% and a provision coverage ratio of 182.99% [4] Strategic Transformation - The bank focused on policy-driven innovation, with science and technology loans reaching CNY 48.27 billion, a growth of 44.50%, and green finance loans at CNY 9.15 billion, growing by 123.73% [5] - Zhengzhou Bank emphasized serving local economies and small enterprises, successfully supporting 6,586 small businesses and facilitating financing for 40 real estate projects [6] Digital Transformation - In December 2024, the bank launched a digital transformation initiative, aiming to enhance customer experience and operational efficiency through technology [7] - Strategic partnerships were established with Huawei and Zhenghao Credit Service to drive digital innovation in banking services [7]

Core Viewpoint - Zhengzhou Bank has successfully reversed its negative profit trend over the past three years, achieving a net profit growth in 2024, supported by steady credit business expansion and ongoing business transformation [1][2]. Group 1: Financial Performance - In 2024, Zhengzhou Bank reported a net profit of 1.876 billion yuan, marking a year-on-year increase of 1.39%, thus reversing the negative profit trend of the previous three years [2]. - The total deposits of Zhengzhou Bank exceeded 400 billion yuan for the first time, with a net increase of 43.577 billion yuan in deposits, surpassing the total increase of the previous two years [3]. - The bank's total assets reached 676.365 billion yuan, growing by 7.24% year-on-year, while the loan and advance total amounted to 387.690 billion yuan, reflecting a growth of 7.51% [4]. Group 2: Deposit and Loan Growth - Zhengzhou Bank's deposit growth rate was 12.07%, which is 3.26 percentage points higher than the average growth rate of financial institutions in the province [3][4]. - The bank's personal deposit balance reached 218.179 billion yuan, accounting for approximately 54% of total deposits, indicating a successful retail strategy transformation [2]. Group 3: Risk Management and Asset Quality - The non-performing loan ratio of Zhengzhou Bank was 1.79%, a decrease of 0.08 percentage points from the beginning of the year, while the provision coverage ratio stood at 182.99%, indicating enhanced risk resistance capabilities [5]. - The bank's liquidity improved through the sale of 15 billion yuan in credit assets, which also contributed to reducing asset losses [5]. Group 4: Strategic Initiatives - Zhengzhou Bank has implemented a "three services" strategy focusing on serving local economies, small and medium-sized enterprises, and urban and rural residents [5]. - The bank has launched various financial products tailored for technology enterprises, including "R&D loans" and "investment-loan linkage" business models, to support innovation and development in the technology sector [6]. - Strategic partnerships with Huawei and Zhenghao Credit Service have been established to enhance digital transformation and innovation in financial services [6].

Core Viewpoint - The banking industry in China is facing challenges such as reduced profit margins, asset quality pressure, and shrinking credit demand, yet Zhengzhou Bank has demonstrated resilience and a successful transformation strategy amidst these difficulties [1] Group 1: Financial Performance - In 2024, Zhengzhou Bank achieved an operating income of 12.877 billion yuan and a net profit of 1.786 billion yuan, marking a 2.69% year-on-year profit growth, the first positive growth in three years [2] - The bank's non-interest income reached 2.513 billion yuan in 2024, a 30.34% increase, with its share of total operating income rising from 14.10% in 2023 to 19.51% in 2024, an increase of 5.41 percentage points [3] Group 2: Retail Transformation and Efficiency - Zhengzhou Bank has prioritized retail transformation, with personal deposits reaching 218.179 billion yuan by the end of 2024, accounting for approximately 54% of total deposits, which helps reduce interest expenses [4] - The bank's efficiency has improved, with per capita assets reaching 1.09 million yuan and average assets per branch at 371.6 million yuan, both at a three-year high and significantly above industry averages [4] - The non-performing loan ratio was 1.79% at the end of 2024, a decrease of 0.08 percentage points year-on-year, while the provision coverage ratio improved to 182.99%, an increase of 8.12 percentage points [4] Group 3: Support for the Real Economy - Zhengzhou Bank has redefined its business logic to support the real economy, focusing on innovation in financial mechanisms and utilizing data to address financing challenges for small and medium-sized enterprises [5] - The bank's policy-driven innovation in science and technology finance has led to a loan balance of 48.269 billion yuan, with a year-on-year growth rate of 44.50% [6] - Zhengzhou Bank plays a crucial role in the "7+28+N" industrial chain layout in Henan Province, providing quality financial services to key industries and actively engaging in local economic development [6] Group 4: Conclusion - Zhengzhou Bank's strategies in retail transformation, science and technology finance, and digital empowerment have not only restored profitability but also established a symbiotic relationship with the regional economy [7] - The bank's approach illustrates that regional banks can achieve counter-cyclical growth by deeply integrating into local industrial upgrades and addressing the pain points of the real economy through differentiated services [7]

Core Viewpoint - Zhengzhou Bank has achieved growth in assets, deposits, loans, and profits in 2024, marking a positive trend in its operational performance despite challenging market conditions [1][2]. Financial Performance - In 2024, Zhengzhou Bank reported total operating income of RMB 12.877 billion and total profit of RMB 1.786 billion, with a profit increase of 2.69% year-on-year, marking the first positive growth in three years [2]. - The bank plans to distribute a cash dividend of RMB 0.20 per 10 shares, totaling RMB 182 million, which represents 9.69% of the net profit attributable to shareholders [2]. - As of the end of 2024, total assets reached RMB 676.365 billion, a 7.24% increase from the previous year, with total deposits and loans at RMB 404.538 billion and RMB 387.690 billion, reflecting increases of 12.07% and 7.51% respectively [2]. Market Position and Growth - Zhengzhou Bank's deposit growth rate of 12.07% and loan growth rate of 7.51% outpaced the average growth rates of 8.81% and 6.77% for financial institutions in Henan Province, indicating its competitive strength in the regional market [3]. - The bank's corporate loans increased by RMB 15.483 billion, contributing 57.17% of the total loan growth, demonstrating its commitment to supporting the real economy [3]. Retail Transformation - The bank's retail transformation initiative, termed "Project No. 1," has led to a significant increase in personal deposits, which grew by RMB 49.536 billion (29.37%) to RMB 218.179 billion by the end of 2024 [5][6]. - Personal loans also saw an increase of 8.09%, reaching RMB 90.957 billion, indicating enhanced stability in deposit growth and a solid foundation for the bank's operations [5]. Risk Management - As of the end of 2024, Zhengzhou Bank's non-performing loan ratio stood at 1.79%, continuing a downward trend since 2022, with a provision coverage ratio of 182.99% and a capital adequacy ratio of 12.06% [4]. Innovation and Differentiation - Zhengzhou Bank has established itself as a key player in policy-driven technology finance, with a loan balance of RMB 48.269 billion in this sector, reflecting a growth rate of 44.50% [7][8]. - The bank has developed a comprehensive evaluation system for technology enterprises and offers various financial products tailored to different stages of technology companies [8]. Digital Transformation - The bank initiated a digital transformation strategy in December 2024, focusing on enhancing customer experience and internal efficiency, aiming to reshape its business and management models through data-driven approaches [9].

Group 1 - The core viewpoint of the news is that Zhengzhou Bank has shown steady growth in its financial performance for the year 2024, achieving increases in total assets, deposits, loans, and net profit despite previous challenges [1][2]. - By the end of 2024, Zhengzhou Bank's total assets reached 676.365 billion yuan, a year-on-year increase of 7.24% [1]. - The total deposits and loans amounted to 404.538 billion yuan and 387.690 billion yuan, respectively, reflecting growth rates of 12.07% and 7.51% compared to the previous year [1]. Group 2 - The net profit attributable to shareholders was 1.876 billion yuan, marking a year-on-year increase of 1.39%, reversing a trend of negative growth in net profit over the past three years [1]. - Basic earnings per share stood at 0.15 yuan, indicating a positive trend in operational performance [1]. - Non-interest income rose from 1.928 billion yuan in 2023 to 2.513 billion yuan in 2024, with its proportion of total operating income increasing from 14.10% to 19.51%, a growth of 5.41 percentage points [1]. Group 3 - As of the end of 2024, the non-performing loan ratio decreased to 1.79%, continuing a downward trend since 2022 [2]. - The provision coverage ratio reached 182.99%, showing a consistent annual increase over three years, enhancing the bank's risk mitigation capacity [2]. - The capital adequacy ratio was reported at 12.06%, indicating a stable and reasonable level [2]. Group 4 - Alongside the annual report, Zhengzhou Bank announced a cash dividend plan for 2024, proposing a distribution of 0.2 yuan per 10 shares (tax included) [4]. - This initiative reflects the bank's robust growth and positive operational status, which may enhance its image and competitiveness in the capital market [4].

Financial Performance - The Bank of Zhengzhou Co., Ltd. reported its audited consolidated annual results for the year ending December 31, 2024[2]. - Operating income was RMB 12.890 billion, while net profit was RMB 1.863 billion, representing a year-on-year growth of 0.21%[11]. - Operating revenue for 2024 was RMB 12,890,323 thousand, a decrease of 5.91% compared to RMB 13,699,410 thousand in 2023[22]. - Total profit increased by 2.69% to RMB 1,786,431 thousand from RMB 1,739,636 thousand in the previous year[22]. - Net profit attributable to shareholders was RMB 1,875,762 thousand, reflecting a 1.39% increase from RMB 1,850,117 thousand in 2023[22]. - The total amount of loans and advances (excluding accrued interest) was RMB 387,690,452 thousand, up 7.51% from RMB 360,608,206 thousand in 2023[23]. - The total assets of Zhengzhou Bank reached RMB 676.365 billion, an increase of 7.24% compared to the previous year[39]. - The total deposits absorbed by Zhengzhou Bank amounted to RMB 404.538 billion, reflecting a growth of 12.07% year-on-year[39]. - The non-performing loan ratio stood at 1.79%, with a provision coverage ratio of 182.99%[11]. Risk Management - The board confirmed that there are no significant risks affecting the bank's future development strategy and operational goals[7]. - The report includes a detailed description of the main risks faced by the bank and the measures taken to address them[7]. - Zhengzhou Bank is committed to risk management and compliance, focusing on credit risk management and enhancing its risk management efficiency[14]. - The non-performing loan ratio improved to 1.79%, down from 1.87% in the previous year[25]. - The provision coverage ratio for commercial banks stood at 211.19%, and the loan provision ratio was 3.18%[36]. Capital and Liquidity - The capital adequacy ratio stood at 12.06%, a decrease of 0.32% from 12.38% in 2023[25]. - The liquidity coverage ratio increased to 305.04%, up from 265.83% in the previous year[25]. - The core tier 1 capital adequacy ratio as of December 31, 2024, was 8.76%, a slight decrease from 8.90% at the end of 2023[183]. - The total capital adequacy ratio as of December 31, 2024, was 12.06%, down from 12.38% at the end of 2023[183]. - The net amount of tier 1 capital as of December 31, 2024, was RMB 53.937 billion, compared to RMB 50.719 billion at the end of 2023[185]. Loans and Advances - Total loans reached RMB 387.690 billion, with a year-on-year increase of 7.51%[11]. - Policy-oriented sci-tech financial loans amounted to RMB 48.269 billion, growing at a rate of 44.50%[12]. - Green finance loan balance reached RMB 9.146 billion, with a significant growth rate of 123.73%[12]. - The company's loan portfolio composition as of December 31, 2024, included corporate loans at RMB 268,943,624 thousand (69.37%), personal loans at RMB 90,956,747 thousand (23.46%), and bill discounting at RMB 27,790,081 thousand (7.17%)[95]. - The total amount of loans and advances was RMB 387.69 billion, with a non-performing loan rate of 1.79%[129]. Deposits and Funding - Total deposits reached RMB 404.54 billion, an increase of RMB 43.58 billion or 12.07% compared to the previous year[115]. - The bank's liabilities totaled RMB 620.07 billion, an increase of RMB 43.68 billion or 7.58% compared to the previous year[112]. - Deposits absorbed by the bank increased by RMB 46.57 billion, accounting for 66.62% of total liabilities[114]. Income and Expenses - The company's net interest margin decreased to 1.63% from 2.00% in the previous year[49]. - Non-interest income increased by 28.88% to RMB 2.53 billion, compared to RMB 1.96 billion in the previous year[47]. - Operating expenses amounted to RMB 3.904 billion, an increase of RMB 0.046 billion or 1.18% compared to the previous year[80]. - Interest expenses for the reporting period were RMB 12.991 billion, a decrease of RMB 0.029 billion or 0.22% year-on-year[66]. Strategic Initiatives - The bank aims to enhance its service to the real economy and deepen its business transformation by 2025[14]. - The company is focusing on the development of technology finance, green finance, inclusive finance, pension finance, and digital finance to support local economic development[187]. - The bank established 400 community volunteer service stations and 23 inclusive finance service ports, covering 2,363 villages and towns[13]. Awards and Recognition - The company received multiple awards in 2024, including "Best Retail Banking Customer Experience Award" and "Best ESG Management Listed Company"[44]. - The company ranked 6th in the "Top 100 Service Industry Enterprises in Henan Province" for 2024[44].

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