Core Points - The city commercial bank sector experienced a slight decline of 0.02% on November 13, with Changsha Bank leading the drop [1] - The Shanghai Composite Index closed at 4029.5, up 0.73%, while the Shenzhen Component Index closed at 13476.52, up 1.78% [1] Summary by Category Stock Performance - Ningbo Bank (002142) closed at 29.79, with an increase of 1.57% and a trading volume of 268,200 shares, totaling a transaction value of 792 million yuan [1] - Chongqing Bank (601963) closed at 11.43, up 0.70%, with a trading volume of 97,500 shares, totaling 111 million yuan [1] - Zhengzhou Bank (002936) closed at 2.06, up 0.49%, with a trading volume of 1,339,300 shares, totaling 273 million yuan [1] - Other banks such as Lanzhou Bank, Shanghai Bank, and Suzhou Bank showed minor fluctuations in their stock prices, with varying trading volumes and values [1] Capital Flow - The city commercial bank sector saw a net outflow of 67.9693 million yuan from main funds, while retail funds experienced a net outflow of 99.3293 million yuan [3] - Conversely, speculative funds recorded a net inflow of 166.7 million yuan [3]

Core Insights - The city commercial bank sector experienced a slight increase of 0.05% on November 12, with Changsha Bank leading the gains [1] - The Shanghai Composite Index closed at 4000.14, down 0.07%, while the Shenzhen Component Index closed at 13240.62, down 0.36% [1] Stock Performance - Changsha Bank (601577) closed at 10.08, up 0.90% with a trading volume of 199,800 shares and a transaction value of 201 million yuan [1] - Shanghai Bank (601229) closed at 10.22, up 0.89% with a trading volume of 597,100 shares and a transaction value of 611 million yuan [1] - Other notable performances include: - Lanzhou Bank (001227) at 2.44, up 0.41% - Jiangsu Bank (616009) at 11.13, up 0.27% - Beijing Bank (601169) at 5.73, up 0.17% [1] Capital Flow - The city commercial bank sector saw a net inflow of 220 million yuan from main funds, while retail investors experienced a net outflow of 200 million yuan [2] - Key capital flows include: - Jiangsu Bank (600919) with a net inflow of 10.4 million yuan from main funds [2] - Beijing Bank (601169) with a net inflow of 62.5 million yuan from main funds [2] - Shanghai Bank (601229) with a net inflow of 58.5 million yuan from main funds [2]

Market Overview - The city commercial bank sector experienced a slight decline of 0.0% on November 11, with Shanghai Bank leading the drop [1] - The Shanghai Composite Index closed at 4002.76, down 0.39%, while the Shenzhen Component Index closed at 13289.0, down 1.03% [1] Individual Bank Performance - Xi'an Bank saw the highest increase in share price, closing at 4.14 with a rise of 2.73% [1] - Qingdao Bank and Qilu Bank also reported positive performance, with increases of 1.39% and 0.81% respectively [1] - Shanghai Bank, on the other hand, closed at 10.13, down 0.98%, indicating a significant decline in its stock price [2] Trading Volume and Capital Flow - The city commercial bank sector recorded a net inflow of 241 million yuan from institutional investors, while retail investors saw a net outflow of 290 million yuan [2] - Jiangsu Bank attracted the highest net inflow from institutional investors at 113 million yuan, representing 11.75% of its trading volume [3] - In contrast, Zhengzhou Bank experienced a net outflow of 421,280 yuan from institutional investors, indicating a negative sentiment towards its stock [3]

Group 1 - The core viewpoint of the article highlights the recent acquisitions and restructuring of village banks by major banks in China, specifically mentioning the actions taken by SPDB and Zhengzhou Bank [2][3]. - SPDB has received approval to acquire Zhejiang Pingyang SPDB Village Bank and establish a new branch, SPDB Wenzhou Pingyang Branch, while also absorbing its assets, liabilities, and employees [2][3]. - Zhengzhou Bank plans to acquire the remaining 49% of shares in Xun County Zhengyin Village Bank and will merge it into its operations, leading to the dissolution of the village bank [3]. Group 2 - The reform of village banks is accelerating, with data from the National Financial Regulatory Administration indicating that as of August 15, 100 village banks have completed mergers and restructuring, surpassing the total of 94 exits for the entire year of 2024 [4]. - Analysts suggest that the absorption and restructuring of village banks into branches enhance service capabilities and risk resistance for the banks, while also allowing the parent banks to expand their operational scope in areas where they lack existing branches [4].

Core Points - SPDB (Shanghai Pudong Development Bank) and Zhengzhou Bank have announced the acquisition and restructuring of their respective village banks into branch institutions, indicating a trend towards consolidation in the rural banking sector [2][3] - The National Financial Regulatory Administration has approved these acquisitions, emphasizing compliance with legal regulations during the process [2] - The restructuring aims to enhance service capabilities and risk management for the parent banks while expanding their operational scope in rural areas [3] Group 1: SPDB's Acquisition - SPDB has received approval to acquire Zhejiang Pingyang Pudong Village Bank and establish a new branch, SPDB Wenzhou Pingyang Branch, taking over its assets, liabilities, and operations [2] - This marks the second village bank restructuring initiative by SPDB in recent months, following a similar acquisition in Dalian [2] Group 2: Zhengzhou Bank's Acquisition - Zhengzhou Bank plans to acquire the remaining 49% of shares in Xun County Zhengyin Village Bank and will merge it into its operations, leading to the dissolution of the village bank [3] - Xun County Zhengyin Village Bank was established in November 2017 with a registered capital of 100 million yuan, and Zhengzhou Bank previously held a 51% stake [3] Group 3: Industry Trends - As of August 15, 2023, 100 village banks have completed mergers and restructurings, surpassing the total of 94 exits projected for the entire year of 2024 [3] - Analysts suggest that the consolidation of village banks into branch institutions will improve service capabilities and broaden the business scope for the parent banks, especially in areas lacking existing branches [3]

Core Insights - SPDB and Zhengzhou Bank announced the acquisition of their respective village banks and the establishment of branch institutions, indicating a trend towards consolidation in the rural banking sector [1][2] - The National Financial Regulatory Administration has approved these acquisitions, emphasizing compliance with legal regulations [1] - The reform of village banks is accelerating, with over 100 village banks having completed mergers and restructurings by mid-August, surpassing the total number of exits for the entire year of 2024 [2] SPDB Acquisition - SPDB has acquired Zhejiang Pingyang Pudong Village Bank and will establish the Wenzhou Pingyang Branch, taking over its assets, liabilities, and employees [1] - This is the second "village-to-branch" project initiated by SPDB this year, following the acquisition of Dalian Ganjingzi Pudong Village Bank [1] Zhengzhou Bank Acquisition - Zhengzhou Bank plans to acquire the remaining 49% of shares in Xun County Zhengyin Village Bank and will merge it into a branch institution [2] - The merger will result in the dissolution of Xun County Zhengyin Village Bank, with all rights and obligations transferred to Zhengzhou Bank [2] Industry Trends - The ongoing consolidation of village banks is aimed at enhancing service capabilities and risk resilience in rural areas [2] - The transformation of village banks into branches allows parent banks to expand their operational scope, particularly in regions lacking existing branches [2]

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。 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） 海外監管公告 本 公 告 由 鄭 州 銀 行 股 份 有 限 公 司（「本 行」）根 據 香 港 聯 合 交 易 所 有 限 公 司證券上市規則第13.10B條 作 出。 以 下 為 本 行 於 深 圳 證 券 交 易 所 網 站 發 佈 之《鄭 州 銀 行 股 份 有 限 公 司 股 東 會 議 事 規 則》《鄭 州 銀 行 股 份 有 限 公 司 董 事 會 議 事 規 則》，僅 供 參 閱。 承董事會命 鄭州銀行股份有限公司* 趙 飛 董事長 中國河南省鄭州市 ...

鄭州銀行股份有限公司章程 目 錄 1 第一章 總則 第二章 經營宗旨和業務範圍 第三章 股份和註冊資本 第一節 股份發行 第二節 股份增減和購回 第三節 股份轉讓 第四節 股權質押 第四章 股票和股東名冊 第五章 黨組織（黨委） 第六章 股東和股東會 第一節 股東 第二節 股東會的一般規定 第三節 股東會的召集 第四節 股東會的提案和通知 第五節 股東會的召開 第六節 股東會的表決和決議 第七章 董事和董事會 第一節 董事 第二節 獨立董事 第三節 董事會 第四節 董事長 第五節 董事會專門委員會 第六節 董事會秘書和董事會辦公室 第八章 高級管理人員 第一節 高級管理人員 第二節 行長 2 第九章 董事、高級管理人員的資格和義務 第十章 財務會計制度、利潤分配和審計 第一節 財務會計制度與利潤分配 第二節 內部審計 第三節 會計師事務所的聘任 第十一章 激勵約束機制 第十二章 利益相關者 第十三章 通知和公告 第十四章 合併、分立、增資、減資、解散和清算 第一節 合併、分立、增資、減資 第二節 解散和清算 第十五章 修改章程 第十六章 爭議的解決 第十七章 優先股的特別規定 第十八章 附則 第一章 總則 第 ...

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。 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） 趙 飛 董事長 關於公司章程修訂獲得核准及 不再設立監事會的公告 鄭州銀行股份有限公司*（「 本 行 」）於2025年9月18日召開的2025年 第 一 次 臨 時 股 東 大 會、2025年第一次A股類別股東大會及2025年第一 次H股類別股東大會分別審議及批准了 修訂公司章程及不再設立監 事 會。近 日，本 行 收 到《河南金融監管局 關於鄭州銀行股份有限公司 修 改 公 司 章 程 的 批 覆》（豫 金 覆[2025]270號），修 訂 後 的 公 司 章 程 自 核 准 之 日 起 生 效。修 訂 後 的 公 司 章 程 全 文 請 參 見 香 港 聯 合 交 易 所 網 站 ...

Core Insights - Zhengzhou Bank has demonstrated strong growth in both scale and quality amidst challenges in the banking sector, achieving a total asset value exceeding 740 billion yuan, a year-on-year increase of 9.93%, marking a historical high for the same period [1][2] Asset Growth - As of September 30, 2025, Zhengzhou Bank's total assets reached 743.55 billion yuan, with an increase of 67.19 billion yuan compared to the previous year, showcasing the bank's core capability in serving regional economic needs [2] - The bank's total deposits amounted to 459.52 billion yuan, reflecting a growth of 13.59%, with personal deposits increasing by 22.44% to 267.14 billion yuan, indicating enhanced brand loyalty and effective customer retention strategies [2] Revenue and Profitability - The bank's operating income for the first three quarters was 9.395 billion yuan, a year-on-year increase of 3.91%, while net profit attributable to shareholders reached 2.279 billion yuan, up 1.56%, indicating a balanced approach to growth and quality [1][2] - Net interest income reached 7.816 billion yuan, growing by 5.83%, while non-interest income rose significantly to 1.579 billion yuan, demonstrating diversification in revenue streams that mitigates risks from interest margin fluctuations [3] Credit and Retail Business - Zhengzhou Bank issued loans totaling 406.72 billion yuan, a growth of 4.91%, with a focus on key sectors and small and micro enterprises, reflecting its commitment to supporting the real economy [4] - The bank's retail transformation strategy has shown positive results, with personal loan balances reaching 96.31 billion yuan, an increase of 5.88%, indicating a robust growth trajectory in retail banking [4][5] Risk Management and Cost Efficiency - The bank maintained a provision coverage ratio of 186.17%, an increase of 19.94 percentage points year-on-year, and a non-performing loan ratio of 1.76%, down 0.1 percentage points, indicating stable asset quality [6] - Total operating and management expenses were 2.243 billion yuan, a decrease of 0.56 billion yuan, leading to a cost-to-income ratio of 23.99%, down 1.57 percentage points, showcasing effective cost control measures [7]