Financial Performance - For the third quarter of 2023, the operating income was RMB 3,561,061,000, a decrease of 16.38% compared to the same period last year[3] - The net profit attributable to shareholders was RMB 704,012,000, down 19.30% year-on-year[3] - The basic earnings per share for the third quarter was RMB 0.08, a decrease of 20.00% compared to the same period last year[3] - Net interest income for the nine months ended September 30, 2023, was RMB 9,017,585, a decrease of 4.6% compared to RMB 9,455,463 for the same period in 2022[26] - Total operating income for the nine months ended September 30, 2023, was RMB 10,464,658, down 11.5% from RMB 11,822,857 in the previous year[26] - Net profit attributable to shareholders for the nine months ended September 30, 2023, was RMB 2,750,645, a decline of 19.2% from RMB 3,403,445 in the same period of 2022[28] - The company reported a net profit of RMB 734,328 for the three months ended September 30, 2023, down 19.4% from RMB 911,606 for the same period in 2022[31] - The total comprehensive income for the three months ended September 30, 2023, was RMB 687,690, a decrease of 31.9% compared to RMB 1,010,779 in the previous year[31] - The company’s net profit for the nine months ended September 30, 2023, was RMB 2,848,811, a decrease of 19.6% from RMB 3,543,822 in the same period of 2022[28] - The company reported a pre-tax profit of RMB 3,345,512 thousand for the nine months ended September 30, 2023, down from RMB 4,355,769 thousand in the same period of 2022, indicating a decline of about 23.2%[35] Cash Flow and Liquidity - The net cash flow from operating activities was RMB (552,685,000), a significant decline of 88.02% compared to the previous year[3] - The net cash flow from operating activities for the nine months ended September 30, 2023, was a negative RMB 1,019,928 thousand, compared to a negative RMB 22,743,754 thousand for the same period in 2022, indicating a significant improvement[36] - The net cash flow from investment activities for the nine months ended September 30, 2023, was negative RMB 4,001,424 thousand, down from a positive RMB 20,897,096 thousand in 2022, reflecting a substantial decrease in investment returns[38] - The net cash flow from financing activities for the nine months ended September 30, 2023, was RMB 6,654,275 thousand, compared to a negative RMB 4,008,102 thousand in 2022, showing a positive shift in financing operations[38] - The net increase in cash and cash equivalents as of September 30, 2023, was RMB 1,632,923 thousand, compared to a decrease of RMB 5,854,760 thousand in the same period of 2022, indicating a recovery in liquidity[38] Assets and Liabilities - Total assets as of September 30, 2023, reached RMB 622,051,831,000, reflecting a growth of 5.16% from the end of 2022[5] - The total liabilities were RMB 566,450,568,000, which is a 5.11% increase from December 31, 2022[5] - The company’s total liabilities as of September 30, 2023, were RMB 566,450,568, an increase from RMB 538,888,382 at the end of 2022[32] - Total liabilities and equity increased to RMB 622,051,831 thousand as of September 30, 2023, from RMB 591,513,618 thousand as of December 31, 2022, marking an increase of approximately 5.18%[34] Capital Ratios - As of September 30, 2023, the Core Tier 1 Capital Ratio is 9.68%, up from 9.29% at the end of 2022[8] - The Tier 1 Capital Ratio stands at 11.99%, an increase from 11.63% at the end of 2022[10] - The Capital Adequacy Ratio is 13.05%, compared to 12.72% at the end of 2022[10] Shareholder Information - The total number of ordinary shareholders reached 99,773, with 99,723 being A-share shareholders[19] - The largest shareholder, Hong Kong Central Clearing (Agent), holds 2,020,253,053 H shares, accounting for 22.22% of total shares[20] - Zhengzhou Finance Bureau holds 657,246,311 A shares, representing 7.23% of total shares, with 93,278,900 shares pledged[20] - Zhengzhou Investment Holding Co., Ltd. holds 608,105,180 A shares, with 207,515,000 shares under pledge[20] Investment and Financing Activities - The company approved project funding of RMB 8.6 billion and has disbursed RMB 4.2 billion to support the "guarantee housing" initiative[18] - The company visited and researched 1,849 enterprises, resulting in a total of RMB 53.9 billion in new or renewed financing[18] - The balance of green credit increased by 46% compared to the beginning of the year[18] - The company customized over 10 financial products for technology innovation, with policy-based innovation financial loans increasing by 23% year-to-date[18] Other Financial Metrics - The weighted average return on equity (annualized) was 6.50%, down 1.60 percentage points year-on-year[3] - The Cost-to-Income Ratio improved to 21.31% from 22.98% in the previous year[8] - The total net profit from investments increased by 78.82% year-on-year, reaching RMB 338,807 thousand[15] - The total amount of loans classified as "normal" increased to RMB 339,352,427 thousand, representing 95.95% of total loans[14] - The Non-Performing Loan Ratio is 1.88%, unchanged from the end of 2022[9] - The liquidity coverage ratio is 225.04%, down from 300.13% at the end of 2022[8] - The leverage ratio is reported at 7.75%, slightly up from 7.69% at the end of 2022[11] - The total assets yield (annualized) is 0.63%, an increase from 0.45% in the previous year[8] - Interest income from financial investments decreased to RMB 4,054,440 thousand for the nine months ended September 30, 2023, compared to RMB 4,657,724 thousand in 2022, reflecting a decline of approximately 12.93%[35] Reporting and Disclosure - The company has not disclosed any other significant matters outside of this report and other announcements[25] - The quarterly report is available on the Hong Kong Stock Exchange and the company's website[25]

证券代码：002936 证券简称：郑州银行 公告编号：2023-047 郑州银行股份有限公司 第七届董事会第十一次会议决议公告 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 2023 年 10 月 16 日以电子邮件及书面方式向全体董事发出关于召开 第七届董事会第十一次会议的通知，会议于 2023 年 10 月 30 日以通讯表决的方 式召开。本次会议应参加表决董事 8 人，实际参加表决 8 人，其中，非执行董事 王丹女士因另有工作安排委托非执行董事刘炳恒先生代为表决。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》和本行《公司章程》的规定。本次会议合法有效。 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 2023 年第三季度报告 的议案》。 本议案同意票 8 票，反对票 0 票，弃权票 0 票。 本议案提交董事会审议前，已经本行董事会审计委员会审议通过。本行 2023 年第三季度报告在巨潮资讯网（http://www.cninfo. ...

证券代码：002936 证券简称：郑州银行 公告编号：2023-048 郑州银行股份有限公司 第七届监事会第十一次会议决议公告 郑州银行股份有限公司（以下简称"本行"）及监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 2023 年 10 月 20 日以电子邮件及书面方式向全体监事发出关于召开 第七届监事会第十一次会议的通知，会议于 2023 年 10 月 30 日以书面传签的方 式召开。本次会议应参加表决监事 5 人，实际参加表决 5 人。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》和本行《公司章程》的规定。本次会议合法有效。 二、会议审议情况 本行 2023 年第三季度报告在巨潮资讯网（http://www.cninfo.com.cn）披露， 供投资者查阅。 （二）会议审议通过了《关于同意郑州银行股份有限公司第七届监事会提名 委员会主任委员人选的议案》。 1 本议案同意票 5 票，反对票 0 票，弃权票 0 票。 同意选举耿明斋先生为本行第七届监事会提名委员会主任委员。 三、备查文件 本行第 ...

Bank of Zhengzhou Co., Ltd.* 鄭州銀行股份有限公司 * （於中華人民共和國註冊成立的股份有限公司） （H股股份代號：6196） 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示概不會就本公告全部或任何部分內容而產生或因倚賴 該等內容而引致的任何損失承擔任何責任。 董事會會議通告 鄭州銀行股份有限公司*（「本行」）董事會（「董事會」）謹此宣佈，董事會會議將於 二零二三年十月三十日（星期一）舉行，藉以（其中包括）審議及批准本行及其附屬 公司截至二零二三年九月三十日止九個月之第三季度業績及其發佈。 承董事會命 鄭州銀行股份有限公司* 趙飛 董事長 於本公告日期，董事會成員包括執行董事趙飛先生；非執行董事王丹女士、劉炳 恒先生及王世豪先生；以及獨立非執行董事李燕燕女士、李小建先生、宋科先生 及李淑賢女士。 * 本行並非香港法例第155章《銀行業條例》所指認可機構，不受限於香港金融管理局的監 督，並無獲授權在香港經營銀行及╱或接受存款業務。 中國河南省鄭州市 二零二三年十月十七日 ...

股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 H | | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 | 06196 | 說明 | H股 | | | | | | | | | 法定/註冊股份數目 | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 2,020,458,000 RMB | | | 1 RMB | | 2,020,458,000 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 2,020,458,000 RMB | | | 1 RMB | | 2,020,458,000 | | 2. 股份分類 | 普通股 | 股份類別 | A | | 於香港聯交所上市 (註1) | | 否 | | | --- | --- | --- | --- | --- | --- | --- | --- ...

截至本公告日，姜涛先生持有本行 47,685 股 A 股股份。辞任后，姜涛先生 将继续遵守法律法规有关所持本行股份及其变动的规定及继续履行股份锁定承 诺直至相关承诺事项履行完毕。姜涛先生已确认其与本行董事会并无不一致意见， 也无任何与其辞去职务有关而需通知本行股东及债权人的事项。 特此公告。 证券代码：002936 证券简称：郑州银行 公告编号：2023-046 郑州银行股份有限公司 关于高级管理人员辞任的公告 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。 本行收到姜涛先生的辞任报告，姜涛先生因工作调整，辞去本行首席信息官 职务。辞任后，姜涛先生将继续担任本行创新业务总监。 郑州银行股份有限公司董事会 2023 年 9 月 28 日 1 ...

证券代码：002936 证券简称：郑州银行 公告编号：2023-045 郑州银行股份有限公司 关于诉讼事项的公告 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。 特别提示： 1.案件所处的诉讼阶段：立案受理，尚未开庭审理 2.上市公司所处的当事人地位：原告 3.涉案的金额：借款本金 5.55 亿元及利息、罚息、复利等 4.对上市公司损益产生的影响：本行已对该笔贷款计提了相应贷款损失准备， 不会对本行的本期利润或期后利润产生重大影响。 一、本次诉讼事项受理的基本情况 本行金水东路支行就与河南森源重工有限公司、河南森源集团有限公司、森 源汽车股份有限公司、楚金甫金融借款合同纠纷一案向郑州市中级人民法院提起 诉讼，于近日收到郑州市中级人民法院的受理案件通知书。 二、有关本案的情况 1、受理机构：郑州市中级人民法院 2、诉讼各方当事人名称： 1 被告四：楚金甫 3、诉讼案件事实简述： 原告与被告一分别于 2020 年 5 月 8 日、2020 年 6 月 4 日、2020 年 7 月 2 日、2021 年 12 月 29 日签订 4 份《 ...

证券代码：002936 证券简称：郑州银行 公告编号：2023-044 郑州银行股份有限公司 首次公开发行 A 股前已发行股份上市流通提示性公告 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。 特别提示 1.本次限售股上市流通数量为 5,613,962 股，占本行 A 股股份的 0.0794%， 占本行总股本的 0.0617%。 2.本次限售股上市流通日期为 2023 年 9 月 19 日（星期二）。 一、首次公开发行 A 股前已发行股份概况及上市后股本变动情况 经中国证券监督管理委员会《关于核准郑州银行股份有限公司首次公开发行 股票的批复》（证监许可[2018]1199 号）核准，本行向社会首次公开发行人民币 普通股（A 股）600,000,000 股。经深圳证券交易所《关于郑州银行股份有限公司 人民币普通股股票上市的通知》（深证上[2018]444 号）同意，本行于 2018 年 9 月 19 日在深圳证券交易所挂牌上市。首次公开发行 A 股前，本行总股本 5,321,931,900 股，发行后本行总股本 5,921,931, ...

招商证券股份有限公司 关于郑州银行股份有限公司首次公开发行 A 股前 已发行股份部分解除限售并上市流通的核查意见 招商证券股份有限公司（以下简称"招商证券"、"保荐机构"）作为郑州银 行股份有限公司（以下简称"郑州银行"或"公司"）持续督导的保荐机构，根 据《证券发行上市保荐业务管理办法》《深圳证券交易所股票上市规则》《深圳证 券交易所上市公司自律监管指引第 13 号——保荐业务》等法律法规和规范性文 件的要求，对郑州银行首次公开发行前已发行股份部分解除限售并上市流通事项 进行了审慎核查。具体情况如下： 一、首次公开发行 A 股前已发行股份概况 经中国证券监督管理委员会《关于核准郑州银行股份有限公司首次公开发行 股票的批复》（证监许可[2018]1199 号）核准，公司向社会首次公开发行人民币 普通股（A 股）股票 600,000,000 股。经深圳证券交易所《关于郑州银行股份有 限公司人民币普通股股票上市的通知》（深证上[2018]444 号）同意，公司于 2018 年 9 月 19 日在深圳证券交易所挂牌上市。首次公开发行 A 股前，公司总股本 5,321,931,900 股，发行后公司总股本 5,921 ...

Financial Performance - Operating income for the first half of 2023 was RMB 6,903,597 thousand, a decrease of 8.74% compared to RMB 7,564,388 thousand in the same period of 2022[16]. - Total profit for the first half of 2023 was RMB 2,526,990 thousand, down 22.14% from RMB 3,245,690 thousand in the previous year[16]. - Net profit attributable to shareholders for the first half of 2023 was RMB 2,046,633 thousand, a decline of 19.14% compared to RMB 2,531,066 thousand in the same period of 2022[16]. - Total operating income decreased to RMB 6.90 billion, a decline of 8.74% from the previous year[37]. - The company achieved a net profit of RMB 2.11 billion, a decrease of 19.67% compared to the previous year[36]. - Net interest income was RMB 5.93 billion, down 5.12% year-on-year, accounting for 85.84% of total operating income[38]. - Non-interest income fell to RMB 977.81 million, a significant drop of 25.85% year-on-year[37]. - The average yield on interest-earning assets decreased to 4.46%, while the average cost of interest-bearing liabilities was 2.40%[39]. - The net interest margin (annualized) was recorded at 2.06%[39]. - The weighted average return on equity (annualized) decreased to 9.77%, down by 2.50% from 12.27% in the previous year[17]. Assets and Liabilities - Total assets as of June 30, 2023, reached RMB 616,859,397 thousand, an increase of 4.28% from RMB 591,513,618 thousand at the end of 2022[16]. - Total liabilities as of June 30, 2023, were RMB 561,945,824 thousand, up 4.28% from RMB 538,888,382 thousand at the end of 2022[16]. - Total loans and advances (excluding accrued interest) amounted to RMB 351,144,063 thousand, reflecting a growth of 6.11% from RMB 330,921,097 thousand in the previous year[16]. - Total deposits (excluding accrued interest) reached RMB 353,415,379 thousand, an increase of 4.65% compared to RMB 337,708,162 thousand in the previous year[16]. - The total amount of debt investments reached RMB 189.74 billion, an increase from RMB 184.07 billion at the end of 2022, representing a growth of 4.54%[78]. - The bank's total liabilities amounted to RMB 561.95 billion, an increase of RMB 23.06 billion or 4.28% compared to the end of 2022[83]. Risk Management - The company did not identify any significant risks that could adversely affect its future development strategy and operational goals during the reporting period[6]. - The report includes a detailed description of the main risks faced by the company and the measures taken to address them[6]. - The company emphasizes the importance of risk awareness regarding forward-looking statements made in the report[6]. - The non-performing loan ratio stands at 1.87%, slightly improved from 1.88% at the end of 2022[17]. - The provision coverage ratio has increased to 167.45%, up from 165.73% at the end of 2022[17]. - The bank has strengthened unified credit management and risk preference policies to enhance credit risk management[168]. - The bank has implemented a comprehensive operational risk management framework to minimize operational losses[170]. Capital and Shareholder Information - The total number of ordinary shares increased from 8,265,537,599 to 9,092,091,358 due to a capital reserve conversion of 826,553,759 shares[183]. - The total number of shares held by the top 10 shareholders reflects their interests and positions as of the reporting date[199]. - The total number of ordinary shareholders at the end of the reporting period was 99,731, with 99,677 being A-share shareholders and 54 being H-share shareholders[190]. - The largest shareholder, Zhengzhou Finance Bureau, has a direct and indirect holding of 1,418,761,196 shares, which is 20.06% of the A shares[200]. - The top 10 ordinary shareholders collectively held 4,000,000,000 shares, with Hong Kong Central Clearing Limited holding 2,020,248,927 shares, representing 22.22% of the total[191]. Sustainability and Corporate Governance - The report is printed on environmentally friendly paper, reflecting the company's commitment to sustainability[4]. - The company emphasizes a customer-centric culture and aims to enhance customer experience through its "Heart Finance" philosophy[38]. - The company has implemented a talent development strategy, including a management trainee program and a comprehensive training plan[38]. - The company was awarded several honors, including recognition as an advanced unit in preventing and handling illegal fundraising[34]. - The bank has not faced any administrative penalties related to environmental issues during the reporting period[178]. Economic Context - In the first half of 2023, China's GDP reached RMB 59,303.4 billion, reflecting a year-on-year growth of 5.5%[22]. - The retail sales of consumer goods in China increased by 8.2% year-on-year in the first half of 2023, indicating a recovery in consumption[22]. - The total social financing scale increased by RMB 21.55 trillion, which is RMB 475.4 billion more than the previous year[25]. - The balance of loans to the manufacturing sector grew by 40.3% year-on-year, significantly higher than the average loan growth rate[25]. Digital Transformation and Innovation - The bank has focused on digital financial innovation to enhance service for new citizens and rural populations[32]. - The bank aims to enhance business and technology integration, accelerating digital transformation and improving data service capabilities[180]. - The bank's mobile banking platform has signed up 3.2 million customers, a 16% increase from the previous year, with transaction amounts reaching RMB 365.2 billion[164]. - The bank has implemented over 20 optimization features for corporate electronic channels during the reporting period, enhancing product service capabilities[165]. Community Engagement and Support - The company’s inclusive small and micro enterprise loans reached a balance of RMB 46.69 billion, an increase of 5.41% compared to the beginning of the year, serving 67,330 clients[159]. - The company’s community finance initiatives engaged over 1.36 million participants, generating an increase of RMB 278 million in personal financial assets[160]. - The bank has established a rural financial department to support high-quality development of rural financial services[179].