证券代码：002936 证券简称：郑州银行 公告编号：2024-029 郑州银行股份有限公司 第七届董事会2024年第五次临时会议决议公告 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 2024 年 8 月 30 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 2024 年第五次临时会议的通知，会议于 2024 年 9 月 4 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 8 人，实际出 席 8 人，其中，王世豪先生、李燕燕女士、宋科先生、李淑贤女士以视频接入方 式出席会议。本行部分监事列席会议。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《关于郑州银行股份有限公司资产处置的议案》。 本议案同意票 8 票，反对票 0 票，弃权票 0 票。 详情请参见本行在巨潮资讯网（http://www.cninfo.co ...

证券代码：002936 证券简称：郑州银行 公告编号：2024-031 郑州银行股份有限公司 关于签署资产转让合同的公告 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： 本次交易须经本行股东大会审议通过。 一、合同签署概况 本行于 2024 年 9 月 4 日与中原资产管理有限公司（以下简称"中原资产"） 在河南省郑州市签署《资产转让合同》（以下简称"本合同"），本行同意向中原 资产出售信贷资产及其他资产（以下简称"拟转让资产"）。拟转让资产在扣除减 值准备前的本金及利息账面余额约为人民币 150.11 亿元。转让价款为人民币 100 亿元，将以人民币 50 亿元的现金及合计价值为人民币 50 亿元的信托受益权方式 支付。 二、交易对手方介绍 1．基本情况 （3）注册资本：100 亿元人民币 （4）主营业务：投资与资产管理；不良资产收购、管理及处置；私募基金 管理；财务咨询服务；互联网信息服务 （5）注册地址：郑州市郑东新区龙湖金融岛中环路 4 号 19 号楼中原资产大 1 （1）公司名称：中原资产管理有限公司 （2） ...

证券代码：002936 证券简称：郑州银行 公告编号：2024-032 郑州银行股份有限公司 关于召开 2024 年第一次临时股东大会的通知 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 年第一次临时股东大会定于 2024 年 9 月 26 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 年第一次临时股东大会。 （二）召集人：本行董事会，本行第七届董事会 2024 年第五次临时会议审 议通过了《关于召开郑州银行股份有限公司 2024 年第一次临时股东大会的议案》。 （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。 （四）召开日期、时间 1．现场会议：2024 年 9 月 26 日（星期四）上午 9:00 开始。 2．网络投票：通过深圳证券交易所交易系统进行网络投票的时间为 2024 年 9 月 26 日 9:15-9:25，9:30-11:30 及 13:00 ...

一、会议召开情况 证券代码：002936 证券简称：郑州银行 公告编号：2024-030 郑州银行股份有限公司 第七届监事会2024年第二次临时会议决议公告 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。 本议案需提交本行股东大会审议。 三、备查文件 本行第七届监事会 2024 年第二次临时会议决议。 特此公告。 郑州银行股份有限公司监事会 2024 年 9 月 5 日 1 本行于 2024 年 8 月 30 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 2024 年第二次临时会议的通知，会议于 2024 年 9 月 4 日在郑州 市商务外环路 22 号郑州银行大厦现场召开。本次会议应出席监事 5 人，实际出 席 5 人，其中徐长生先生以视频接入方式出席会议，朱志晖先生因工作原因委托 黄金菊女士代为表决。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。会议由监事会临时召集人胡跃先生主持。 二、会议审议情况 会议审议通过了《关于郑 ...

Financial Performance - Bank of Zhengzhou Co., Ltd. reported its unaudited consolidated interim results for the six months ended June 30, 2024[1]. - Operating income for the first half of 2024 was RMB 6,405,142 thousand, a decrease of 7.22% compared to RMB 6,903,597 thousand in the same period of 2023[11]. - Total profit for the first half of 2024 was RMB 1,869,575 thousand, down 26.02% from RMB 2,526,990 thousand in the first half of 2023[11]. - Net profit attributable to shareholders for the first half of 2024 was RMB 1,593,861 thousand, a decline of 22.12% compared to RMB 2,046,633 thousand in the same period of 2023[11]. - Basic earnings per share for the first half of 2024 were RMB 0.18, down 21.74% from RMB 0.23 in the same period of 2023[11]. - The company will not distribute cash dividends or bonus shares for the first half of 2024[4]. Assets and Liabilities - The total assets as of June 30, 2024, reached RMB 645,680,374 thousand, reflecting a growth of 2.37% from RMB 630,709,429 thousand at the end of 2023[12]. - Total liabilities as of June 30, 2024, were RMB 589,356,033 thousand, up 2.25% from RMB 576,394,573 thousand at the end of 2023[12]. - Total deposits (excluding accrued interest) reached RMB 386,360,381 thousand, a rise of 7.04% from RMB 360,961,439 thousand at the end of 2023[12]. - Total loans and advances (excluding accrued interest) amounted to RMB 372,827,943 thousand, an increase of 3.39% from RMB 360,608,206 thousand at the end of 2023[12]. Capital and Ratios - As of June 30, 2024, the Core Tier 1 Capital Ratio increased to 9.26%, up from 8.90% at the end of 2023, reflecting a change of 0.36%[13]. - The total capital net amount as of June 30, 2024, was RMB 60,260,538 thousand, reflecting a growth of 6.90% from RMB 56,372,605 thousand at the end of 2023[12]. - The total capital adequacy ratio improved to 12.68% as of June 30, 2024, up from 12.38% at the end of 2023[112]. - The bank's leverage ratio stood at 7.50% as of June 30, 2024, slightly down from 7.60% at the end of 2023[113]. Risk Management - The board confirmed that there are no significant risks affecting the company's future development strategy and operational goals[4]. - The Non-Performing Loan Ratio remained stable at 1.87% as of June 30, 2024, compared to 1.88% at the end of 2022[13]. - The Provision Coverage Ratio improved to 191.47% as of June 30, 2024, an increase of 16.60% from 174.87% at the end of 2023[13]. - The bank continues to enhance credit risk management and accelerate the disposal of non-performing assets[76]. Economic Context - The total asset growth rate for the first half of 2024 was supported by a GDP growth of 5.0% in China, with industrial production increasing by 6.0%[18]. - In the first half of 2024, the GDP of Henan Province grew by 4.9% year-on-year, with the primary, secondary, and tertiary industries growing by 3.7%, 7.5%, and 3.2% respectively[19]. Employee and Governance - The company has a total of 52,470 shares held by the deputy president, with no changes during the reporting period[171]. - The company has established a comprehensive training system to enhance the overall capabilities and innovation skills of its employees, aligning with the provincial government's goal of building a first-class urban commercial bank[184]. - The company confirmed that all directors and supervisors complied with the securities trading code during the reporting period[176]. - The current board and supervisory committee's term has been extended to ensure continuity during the upcoming election process[168]. Shareholder Information - The total number of shareholders for ordinary shares at the end of the reporting period is 99,412, with 99,361 A-share shareholders and 51 H-share shareholders[148]. - The largest shareholder, Hong Kong Central Clearing (Agent), holds 2,020,252,753 H-shares, representing 22.22% of the total shares[149]. - The report confirms that there were no changes in the shareholding structure of the top 10 shareholders compared to the previous period[155]. Financial Products and Services - The bank's wealth management products ecosystem has been diversified, with the "Zhenghao Wealth" series continuously improving and expanding categories such as cash management and stable investment, achieving a comprehensive product matrix[123]. - The bank has launched customized financial products for elderly clients, addressing their retirement planning needs[123]. - The bank aims to enhance financial services for rural residents by increasing the number of rural financial service points to 4,947[141].

1 《郑州银行股份有限公司章程》修订对比表 序号 原条款 修订后条款 1. 第一条 为规范郑州银行股份有限公司（以下简称"本 行"）的组织和行为，维护本行、股东和相关利益主体的合法 权益，根据《中华人民共和国公司法》（以下简称"《公司法》"）、 《中华人民共和国证券法》（以下简称"《证券法》"）、《中 华人民共和国商业银行法》（以下简称"《商业银行法》"）、 《国务院关于股份有限公司境外募集股份及上市的特别规定》、 《到境外上市公司章程必备条款》、《上市公司章程指引》、 《银行保险机构公司治理准则》、《香港联合交易所有限公司 证券上市规则》（以下简称"《香港上市规则》"）及其他有关 法律、法规的规定，结合本行实际情况，制定本章程。 第一条 为规范郑州银行股份有限公司（以下简称"本 行"）的组织和行为，维护本行、股东和相关利益主体的合法 权益，根据《中华人民共和国公司法》（以下简称"《公司法》"）、 《中华人民共和国证券法》（以下简称"《证券法》"）、《中 华人民共和国商业银行法》（以下简称"《商业银行法》"）、 《国务院关于股份有限公司境外募集股份及上市的特别规定》、 《到境外上市公司章程必备条款》、《上市公 ...

证券代码：002936 证券简称：郑州银行 公告编号：2024-026 郑州银行股份有限公司 第七届董事会第十四次会议决议公告 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 2024 年 8 月 15 日以电子邮件及书面方式向全体董事发出关于召开 第七届董事会第十四次会议的通知，会议于 2024 年 8 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 8 人，实际出席 8 人，其 中，王世豪先生、宋科先生、李淑贤女士以视频接入方式出席会议。本行部分监 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《郑州银行股份有限公司 2024 年上半年经营管理工 作报告》。 本议案同意票 8 票，反对票 0 票，弃权票 0 票。 （二）会议审议通过了《关于郑州银行股份有限公司 2024 年半年度报告及 摘要的议 ...

赵飞 孙海刚 袁冬云 郑州银行股份有限公司 法定代表人（董事长） 主管会计工作负责人 会计机构负责人 （公章） | 非经营性资金占用 | 资金占用 | 占用方与上市公 | 上市公司核算 | 2024年期初占 | 2024年上半年占用 | 2024年上半年占用 | 2024年上半年偿 | 2024年6月末占 | 占用形成原因 | 占用性质 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | 方名称 | 司的关联关系 | 的会计科目 | 用资金余额 | 累计发生金额(不含 | 资金的利息(如有) | 还累计发生金额 | 用资金余额 | | | | | | | | | 利息) | | | | | | | 控股股东、实际控制人及 | 无 | 无 | 无 | 无 | 无 | 无 | 无 | 无 | 无 | 无 | | 其附属企业 | | | | | | | | | | | | 小计 | 无 | 无 | 无 | 无 | 无 | 无 | 无 | 无 | 无 | 无 | | 前控股股东、实际控制人 | 无 | 无 | 无 | 无 ...

Financial Performance - The bank reported a total revenue of RMB 1.2 billion for the first half of 2024, representing a year-on-year increase of 15%[31]. - Net profit attributable to shareholders reached RMB 400 million, up 10% compared to the same period last year[31]. - The total operating revenue for the first half of 2024 was RMB 6,393,066 thousand, a decrease of 7.59% compared to RMB 6,918,370 thousand in the same period of 2023[33]. - The net profit attributable to shareholders for the first half of 2024 was RMB 1,593,861 thousand, down 22.12% from RMB 2,046,633 thousand in the first half of 2023[33]. - The bank's total profit decreased by RMB 657 million, a drop of 26.02% compared to the previous year[53]. - The bank's basic earnings per share for the first half of 2024 was RMB 0.18, a decrease of 21.74% from RMB 0.23 in the same period of 2023[33]. - Net profit for the period was RMB 1.649 billion, down 22.01% compared to the previous year[53]. Asset and Liability Management - The bank's total assets increased to RMB 150 billion, reflecting a growth of 12% year-on-year[31]. - The total assets as of June 30, 2024, reached RMB 645,680,374 thousand, reflecting a 2.37% increase from RMB 630,709,429 thousand at the end of 2023[34]. - The total liabilities reached RMB 589,356,033 thousand, reflecting an increase of RMB 129,610 thousand, or 2.25%, compared to the previous year[96]. - The bank's total equity reached RMB 56,324,341 thousand, an increase of RMB 20,090 thousand, or 3.70%, from RMB 54,314,856 thousand at the end of the previous year[100]. - The total amount of loans and advances (excluding accrued interest) amounted to RMB 372,827,943 thousand, a 3.39% increase from RMB 360,608,206 thousand at the end of 2023[34]. Loan and Deposit Growth - Customer deposits grew by 18% to RMB 120 billion, indicating strong customer confidence and market position[31]. - The bank's loans to small and micro enterprises reached RMB 78 trillion, with inclusive small and micro enterprise loans growing by 17.1% year-on-year[43]. - Personal deposits totaled RMB 199.54 billion, an increase of 18.32% year-on-year, while personal loans grew to RMB 86.40 billion, up 2.68%[148]. - The total amount of loans reached RMB 372.83 billion, with RMB 355.50 billion in current loans, representing 95.35% of the total[115]. Risk Management - The non-performing loan ratio improved to 1.5%, down from 1.8% in the previous year, showcasing better asset quality management[31]. - The non-performing loan ratio remained stable at 1.87% as of June 30, 2024, unchanged from the end of 2023[35]. - The bank emphasizes compliance and risk management, aiming to strengthen internal controls and ensure stable operations[47]. - The bank's non-performing loan ratio was not explicitly stated but indicated by the overdue loan statistics[115]. - The bank's credit impairment losses totaled RMB 2.861 billion, a decrease of RMB 17 million or 0.58% year-on-year[79]. Investment and Technology - Investment in technology and digital banking solutions increased by 25%, focusing on improving customer experience and operational efficiency[31]. - The bank plans to continue expanding its corporate loan portfolio while maintaining a focus on risk control and asset quality[87]. - The bank plans to focus on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance to drive strategic transformation[171]. - The bank will continue to increase investment in technology to enhance financial service efficiency and customer experience[171]. Shareholder Information - As of June 30, 2024, the total number of ordinary shares issued by the company is 9,092,091,358, consisting of 7,071,633,358 A-shares and 2,020,458,000 H-shares[174]. - The largest shareholder, Hong Kong Central Clearing (Agency) Limited, holds 2,020,252,753 H-shares, representing 22.22% of the total shares[181]. - The company did not conduct any share buybacks during the reporting period[174]. - The report confirms that all data is sourced from the shareholder register as of June 30, 2024[182]. Operational Efficiency - The bank's net cash flow from operating activities for the first half of 2024 was negative at RMB (4,404,722) thousand, compared to RMB (467,243) thousand in the same period of 2023, indicating a significant increase in cash outflow[33]. - The bank's average balance of loans and advances increased by RMB 229.19 billion year-on-year, with interest income from loans totaling RMB 7.73 billion, down RMB 0.57 billion or 6.82% from the previous year[61]. - The bank's average balance of interest-earning assets increased to RMB 589.20 billion, with total interest income of RMB 11.78 billion, down from RMB 12.40 billion in the previous year[57]. Regulatory Compliance - The bank's liquidity coverage ratio as of June 30, 2024, was 207.98%, down from 265.83% at the end of 2023, indicating a decrease in liquidity[36]. - The liquidity ratio of Zhengzhou Bank is 74.83%, exceeding the regulatory requirement of no less than 25%[163]. - The net stable funding ratio is 114.63%, also meeting the regulatory threshold of 100%[163]. Community and Economic Support - The bank is focused on supporting local economic development and small and medium-sized enterprises, aligning with national and regional strategic initiatives[141]. - The bank actively promoted rural financial services, enhancing service channels and improving the financial experience for rural residents[153]. - The bank aims to enhance its service to the real economy and support the development of seven major industrial clusters and the stable health of the real estate market[171].