郑州银行股份有限公司 内部控制审计报告 二零二四年十二月三十一日 内部控制审计报告 XYZH/2025BJAB3B0004 郑州银行股份有限公司 郑州银行股份有限公司全体股东： 按照《企业内部控制审计指引》及中国注册会计师执业准则的相关要求，我们审计 了郑州银行股份有限公司（以下简称"郑州银行"）2024 年 12 月 31 日财务报告内部控 制的有效性。 一、 企业对内部控制的责任 按照《企业内部控制基本规范》、《企业内部控制应用指引》、《企业内部控制评价指 引》的规定，建立健全和有效实施内部控制，并评价其有效性是郑州银行董事会的责任。 二、 注册会计师的责任 我们的责任是在实施审计工作的基础上，对财务报告内部控制的有效性发表审计意 见，并对注意到的非财务报告内部控制的重大缺陷进行披露。 三、 内部控制的固有局限性 内部控制具有固有局限性，存在不能防止和发现错报的可能性。此外，由于情况的 变化可能导致内部控制变得不恰当，或对控制政策和程序遵循的程度降低，根据内部控 制审计结果推测未来内部控制的有效性具有一定风险。 四、 财务报告内部控制审计意见 我们认为，郑州银行于 2024 年 12 月 31 日按照《企 ...

2024 年度 非经营性资金占用及其他关联资金往来情况的 郑州银行股份有限公司 专项说明 | 信念 白和合分析 宜 冬 所 三 币 东 施 期 大 在 我 查 我 下 在 我 下 在 我 下 在 我 下 在 我 | | | | --- | --- | --- | | telephone: +86 (010) 6554 2288 | 8 号富华大厦 A 座 9 层 | | | ShineWing | 9/F, Block A, Fu Hua Mansion, No.8, Chaoyangmen Beidajie, | | | +86 (010) 6554 7190 | Dongcheng District, Beijing, I | 传真: | | certified public accountants 100027, P.R.China | | facsimile: +86 (010) 6554 7190 | 关于郑州银行股份有限公司 2024 年度非经营性资金占用及其他关联资金往来的专项说明 2024 年度非经营性资金占用及其他关联资金往来的专项说明(续) XYZH/2025BJAB3B0002 郑州银行 ...

郑州银行股份有限公司董事会 关于独立非执行董事独立性情况的专项意见 根据《上市公司独立董事管理办法》《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 1 号——主板上市 公司规范运作》等要求，郑州银行股份有限公司（以下简称"本行"） 董事会对在任独立非执行董事李小建、王宁、刘亚天、萧志雄的独立 性情况进行了评估，并出具如下专项意见： 经核查独立非执行董事李小建、王宁、刘亚天、萧志雄的任职经 历以及签署的相关自查文件，上述人员未在本行担任除独立非执行董 事以外的任何职务，也未在本行主要股东公司担任任何职务，与本行 以及主要股东之间不存在利害关系或其他可能妨碍其进行独立客观 判断的关系，不存在其他影响独立董事独立性的情况，符合《上市公 司独立董事管理办法》《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 1 号——主板上市公司规范运作》等 相关法律法规中对独立董事独立性的相关要求。 郑州银行股份有限公司董事会 2025 年 3 月 28 日 ...

（一）工作履历、专业背景以及兼职情况 郑州银行股份有限公司 2024 年度独立非执行董事述职报告 （李燕燕） 2024 年，本人严格按照《公司法》《上市公司独立董事管理办法》 《银行保险机构公司治理准则》《深圳证券交易所上市公司自律监管 指引第 1 号——主板上市公司规范运作》《香港联合交易所有限公司 证券上市规则》等法律法规和《郑州银行股份有限公司章程》（以下 简称"《公司章程》"）的要求，积极履行独立非执行董事职责，充分 发挥独立非执行董事的独立性和专业性，切实维护郑州银行股份有限 公司（以下简称"公司"）、股东特别是中小股东、金融消费者的合法 权益。 一、独立非执行董事的基本情况 本人李燕燕，博士研究生学历，现任郑州大学教授、学报编辑部 主任兼主编、学术委员会办公室主任。曾任新乡医学院社科部教师， 河南大学经济学院教师，郑州大学商学院教师、副院长，曾在中国社 科院（中国北京）从事博士后研究工作。2018 年 7 月起担任公司独立 非执行董事。 （二）不存在影响独立性的情况说明 作为公司的独立非执行董事，本人未在公司担任除独立非执行董 事以外的其他职务，与公司以及公司主要股东之间不存在妨碍独立客 观判断的 ...

Financial Performance - As of the end of 2024, the total assets of Bank of Zhengzhou reached RMB 676.365 billion, an increase of 7.24% compared to the previous year[13]. - Total deposits amounted to RMB 404.538 billion, reflecting a growth of 12.07% year-on-year[13]. - Total loans reached RMB 387.690 billion, with a year-on-year increase of 7.51%[13]. - The bank achieved an operating income of RMB 12.877 billion and a net profit of RMB 1.863 billion, representing a year-on-year growth of 0.21%[13]. - The total operating income for 2024 was RMB 12,877,200 thousand, a decrease of 5.78% compared to RMB 13,667,290 thousand in 2023[21]. - The total profit for 2024 was RMB 1,786,431 thousand, reflecting a 2.69% increase from RMB 1,739,636 thousand in 2023[21]. - The net profit attributable to shareholders for 2024 was RMB 1,875,762 thousand, up 1.39% from RMB 1,850,117 thousand in 2023[21]. - The net cash flow from operating activities for 2024 was RMB 8,765,356 thousand, a significant increase of 431.85% compared to RMB 1,648,102 thousand in 2023[21]. - The basic earnings per share for 2024 remained at RMB 0.15, unchanged from 2023[21]. Asset Quality - The non-performing loan ratio stood at 1.79%, with a provision coverage ratio of 182.99%[13]. - The non-performing loan ratio improved to 1.79% in 2024 from 1.87% in 2023, a decrease of 0.08 percentage points[24]. - The provision coverage ratio increased by 8.12% to 182.99% in 2024 from 174.87% in 2023[24]. - The bank's corporate loan non-performing loan ratio was 2.05%, a slight decrease of 0.04 percentage points year-on-year, reflecting improved asset quality[122]. - Personal loan non-performing loan ratio decreased to 1.56%, down by 0.16 percentage points from the previous year, indicating effective risk management[122]. Loan and Deposit Growth - Policy-oriented science and technology financial loans amounted to RMB 48.269 billion, with a growth rate of 44.50%[14]. - Green financial loans reached RMB 9.146 billion, showing a significant increase of 123.73%[14]. - The total amount of loans and advances increased by 7.51% to CNY 387.69 billion in 2024 from CNY 360.61 billion in 2023[23]. - Total deposits reached RMB 404.54 billion, increasing by RMB 43.58 billion or 12.07% compared to RMB 360.98 billion at the end of the previous year[111]. - The total amount of corporate loans reached RMB 296.734 billion, an increase of RMB 20.272 billion, or 7.33%, compared to the end of the previous year[180]. Digital Transformation and Customer Service - The bank is focusing on digital transformation and enhancing customer experience while improving internal efficiency[16]. - The bank established 400 community volunteer service stations and 23 inclusive finance service ports, covering 2,363 villages and towns[16]. - The bank's mobile banking platform signed up 3.76 million personal customers, with transaction volume increasing by 10.89% year-on-year[200]. - Customer service hotline provided 950,970 services with a satisfaction rate of 99.69%[200]. - Online service capabilities improved with 836,800 services provided through text and remote video, with 91.22% of responses handled by intelligent robots[200]. Risk Management and Compliance - The bank aims to strengthen its risk management systems and enhance its risk prevention capabilities[16]. - The company is committed to enhancing compliance management and risk control measures to ensure stable operations[42]. - The bank's loan loss provisions totaled RMB 51.38 billion for the reporting period, with a balance of RMB 126.69 billion at the end of the period[135]. Awards and Recognition - The bank received the "Support for Small and Micro Enterprises Model Award" from the Henan Provincial Science and Technology Department[14]. - The company was awarded multiple accolades, including "Best Retail Banking Customer Experience Award" in April 2024[44]. Investment and Financial Assets - The total amount of securities investments and other financial assets reached RMB 203.12 billion, an increase of RMB 14.61 billion or 7.75% from RMB 188.52 billion[103]. - The bank's investment in debt instruments amounted to RMB 202.25 billion, which is 70.72% of total investments, up from 62.91% the previous year[105]. - Investment income for the year ended December 31, 2024, was RMB 1,833.81 million, an increase of RMB 769.83 million or 72.35% compared to 2023[80]. Community and Economic Development - The bank is committed to supporting county-level economic development as a key area for financial services[16]. - The bank actively supported local economic development by focusing on technology finance, green finance, and inclusive finance[179]. - The balance of inclusive small and micro loans was RMB 53.685 billion, growing by 7.46% year-on-year, exceeding the general loan growth rate by 0.61 percentage points[190].

Core Viewpoint - The article discusses the recent leadership changes at Zhengzhou Bank, highlighting the resignation of several executives and the appointment of new ones, alongside the bank's financial performance in 2024. Group 1: Executive Changes - Guo Zhibin resigned as Vice President of Zhengzhou Bank due to health reasons, holding 10,291,914 shares of A-shares [1] - Three other executives also resigned: Liu Jiuqing (Assistant President), Fu Chunqiao (Vice President), and Li Hong (Assistant President), with respective shareholdings of 54,450 shares, 53,020 shares, and 86,419 shares [2] - New appointments include Li Hong as President and Pan Feng as Chief Risk Officer, pending regulatory approval [2] Group 2: Financial Performance - Zhengzhou Bank's stock price has dropped over 6% in Q1 2025, with the latest A-share price at 1.97 yuan, down from 6.61 yuan on the first day of listing [3] - For the year 2024, the bank reported an operating income of 12.86 billion yuan, a decrease of 5.9% year-on-year, while total profit increased by 1.07% to 1.774 billion yuan [3] - The total assets of Zhengzhou Bank reached 676.93 billion yuan, reflecting a growth of 7.33% compared to the end of the previous year [3]

3月27日，郑州银行（002936）发布公告称，郭志彬因身体原因辞去该行副行长职务。辞任后，郭志彬 将不再担任该行及控股子公司任何职务。郭志彬同时持有该行102914股A股股份，辞任后将继续遵守法 律法规有关所持郑州银行股份及其变动的规定。 根据官网信息，目前，郑州银行的领导班子由李红担任行长，孙海刚、孙润华担任副行长，李磊、张厚 林担任行长助理。 值得注意的是，数据显示，郑州银行2025年第一季度股价已下跌超6％，最新A股股价为1.97元每股，上 市首日A股股价则为6.61元每股。根据郑州银行发布的2024年度业绩快报，2024年全年，该行营业收入 128.6亿元，同比下降5.9％；实现利润总额17.74亿元，同比增长1.07％；资产总额6769.30亿元，较上年 末增长7.33％。 郭志彬的职业生涯集中在银行系统，在进入郑州银行之前，他先后担任过光大银行郑州分行红专路支行 副行长、郑州分行公司业务二部副总经理、资产保全部总经理，兴业银行郑州分行黄河路支行行长等。 2025年开年以来，郑州银行高管层人事变动频繁。除了郭志彬，还有三位高管人员向郑州银行递出了辞 呈。2月13日，刘久庆因个人原因辞去了该行行长助 ...

证券代码：002936 证券简称：郑州银行 公告编号：2025-014 郑州银行股份有限公司董事会 2025 年 3 月 27 日 1 截至本公告日，郭志彬先生持有本行 102,914 股 A 股股份。辞任后，郭志彬 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。郭志彬先生确认与 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 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，本行收到郭志彬先生的辞任报告，因身体原因辞去本行副行长职务。 辞任后，郭志彬先生将不再担任本行及本行控股子公司任何职务。 ...

Core Viewpoint - Zhengzhou Bank has been recognized for its innovative financial practices that contribute to high-quality development, showcasing a unique path in strategic transformation for local banks [3][10]. Group 1: Financial Innovation - Zhengzhou Bank won the "2024 Financial Institution Five Major Articles Practice Award" at the 19th "China Financial Brand List," highlighting its ability to serve the real economy [3]. - The bank's strategic transformation aligns with national policies, demonstrating a commitment to innovation in various financial sectors [10]. Group 2: Technology Finance - As a key player in policy-driven technology finance in Henan Province, Zhengzhou Bank focuses on "early, small, and hard technology" investments, creating a service system that covers the entire lifecycle of enterprises [4]. - The bank has been recognized for its "Technology Loan" and "Specialized and Innovative Loan" programs, receiving awards for its support of small and micro enterprises [4]. Group 3: Green Finance - Zhengzhou Bank is committed to supporting low-carbon transformation projects, including infrastructure upgrades and clean energy initiatives, successfully issuing 2 billion yuan in green bonds [5]. - The bank integrates green concepts into its corporate culture, promoting a dual approach of institutional innovation and cultural immersion [5]. Group 4: Pension Finance - In response to an aging population, Zhengzhou Bank has developed a "financial + service" ecosystem for elderly care, offering specialized products and services that extend beyond traditional banking [6]. - The bank's "Pension Financial Service Station" enhances customer satisfaction by integrating health management and consumer rights protection for elderly clients [6]. Group 5: Inclusive Finance - Zhengzhou Bank addresses financing challenges for small and micro enterprises through digital technology, reducing loan approval times to 30 minutes and increasing the first loan rate for small businesses to 45% [8]. - The bank's innovative products, such as "Flow Loan" and "Tobacco Merchant Loan," exemplify its commitment to inclusive finance [8]. Group 6: Digital Finance - The bank is actively integrating financial services into the digital transformation of small and medium enterprises, reducing their transition costs [9]. - Internally, Zhengzhou Bank is enhancing its digital capabilities by restructuring its top-level mechanisms and promoting technology integration across its operations [9].

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。 本行于近日收到国家金融监督管理总局河南监管局下发的《国家金融监督管 理总局河南监管局关于刘亚天郑州银行独立董事任职资格的批复》（豫金复〔2025〕 58 号），核准刘亚天先生本行独立董事的任职资格。 刘亚天先生的简历请见本行于 2024 年 11 月 28 日在巨潮资讯网 （http://www.cninfo.com.cn）发布的《郑州银行股份有限公司第七届董事会 2024 年第六次临时会议决议公告》（公告编号：2024-041）。 证券代码：002936 证券简称：郑州银行 公告编号：2025-013 特此公告。 郑州银行股份有限公司 关于独立董事任职资格获核准的公告 郑州银行股份有限公司董事会 2025 年 3 月 25 日 ...