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].

郑州银行股份有限公司 证券代码：002936 证券简称：郑州银行 公告编号：2025-024 2025 年 3 月 28 日 截至本公告日，李磊先生持有本行 149,408 股 A 股股份。辞任后，李磊先生 将继续遵守法律法规有关所持本行股份及其变动的规定。李磊先生确认与本行董 事会无不同意见，亦无其他事项需要通知本行股东。 特此公告。 郑州银行股份有限公司董事会 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。 近日，本行收到李磊先生的辞任报告，因工作调整辞去本行行长助理职务。 辞任后，李磊先生将不再担任本行及本行控股子公司任何职务。 1 ...

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2024 年度環境、社會 及管治 (ESG) 報告 2024 年度環境、社會及管治 (ESG) 報告 鄭州銀行股份有限公司 目录 CONTENTS | 报告开篇 关于本报告 | 2 | | --- | --- | | 关于郑州银行 | 4 | | 董事会声明 报告主体 | 9 | 郑州银行股份有限公司 H股股份代码：6196 A 股股份代码：002936 报告附录 | 关键绩效表 | 52 | | --- | --- | | 报告索引表 | 56 | | 独立审验声明 | 62 | | 读者反馈表 | 65 | 筑合规基石 守发展底线 健全治理体系 12 | 筑牢风险防线 | 14 | | --- | --- | | 践行责任理念 | 17 | 守服务初心 铸金融担当 | 赋能实体经济 | 22 | | --- | --- | | 助力普惠小微 | 24 | | 关心民生福祉 | 25 | | 搭服务桥梁 | | | --- | --- | | 行责任承诺 | | | 保障客户权益 | 30 | | 优化服务体验 | 33 | | 普及金融知识 | 35 | 绘绿水青山 显发展担当 践行绿色运营 38 发展绿 ...