中原銀行股份有限公司 * ZHONGYUAN BANK CO., LTD.* （於中華人民共和國註冊成立的股份有限公司） （股份代號：1216） 將於2025年8月20日舉行之 2025年第一次臨時股東大會或其任何續會適用的代表委任表格 本代表委任表格相關的股份數目 （附註1） 內資股 H股 本人╱吾等 （附註2） 地址為 為中原銀行股份有限公司（「本行」） 股內資股（「內資股」）╱H股（「H股」） （附註3 （每股面值人民幣 ） 1.00元）之持有人， 茲委任大會主席或 （附註4） 地址為 作為本人╱吾等受委代表並代表本人╱吾等出席本行將於2025年8月20日（星期三）下午三時正於中國河南省鄭州市鄭東新區金融 島C3-18號中原銀行大廈實體舉行之2025年第一次臨時股東大會（「2025年第一次臨時股東大會」）（或其任何續會），並按下文所指示 於該大會上就日期為2025年7月31日（星期四）的2025年第一次臨時股東大會通告所載決議案投票，或倘無作出指示，則作為本人╱ 吾等的受委代表酌情投票。 普通決議案 贊成 （附註5） 反對 （附註5） 棄權 （附註5） 1. 審議並批准關於變更本行總部住所的議案；及 特 ...

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通告的內容概不負責，對其準確性或完整性亦 不發表任何聲明，並明確表示，概不對因本通告全部或任何部份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。 中原銀行股份有限公司 * ZHONGYUAN BANK CO., LTD.* （於中華人民共和國註冊成立的股份有限公司） （股份代號：1216） 2025年第一次臨時股東大會通告 茲通告中原銀行股份有限公司（「本行」）2025年第一次臨時股東大會（「2025年第 一次臨時股東大會」）謹定於2025年8月20日（星期三）下午三時正假座中國河南省鄭州 市鄭東新區金融島C3-18號中原銀行大廈實體舉行，以供審議並酌情通過下列決議案： 普通決議案 1. 審議並批准關於變更本行總部住所的議案；及 代表董事會 中原銀行股份有限公司* 郭浩 董事長 中國鄭州市 2025年7月31日 於本通告日期，本行董事會包括執行董事郭浩先生；非執行董事馮若凡先生及張 姝女士；獨立非執行董事徐義國先生、趙紫劍女士、王茂斌先生、潘新民先生及高平 陽先生。 * 中原銀行股份有限公司並非香港銀行業條例（香港法例第155章）之認可機構，不受 ...

閣下如已出售或轉讓名下的全部中原銀行股份有限公司*股份，應立即將本通函連同代表委任表格送交買 主或承讓人，或經手買賣或轉讓的銀行、股票經紀或其他代理人，以便轉交買主或承讓人。 此乃要件 請即處理 閣下如對本通函任何方面或需採取的行動有任何疑問，應諮詢 閣下的股票經紀或其他註冊證券商、銀行 經理、律師、專業會計師或其他專業顧問。 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通函的內容概不負責，對其準確性或完整性亦 不發表任何聲明，並明確表示，概不對因本通函全部或任何部份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。 中原銀行股份有限公司 * ZHONGYUAN BANK CO., LTD.* （於中華人民共和國註冊成立的股份有限公司） （股份代號：1216） 變更本行總部住所、 修訂《中原銀行股份有限公司章程》 及 2025年第一次臨時股東大會通告 董事會函件載於本通函第3頁至第7頁。 本行將於2025年8月20日（星期三）下午三時正假座中國河南省鄭州市鄭東新區金融島C3-18號中原銀行 大廈實體舉行2025年第一次臨時股東大會。2025年第一次臨時股東大會通告載於本通函第EGM-1頁至第 ...

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，概不對因本公告全部或任何部份內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 中原銀行股份有限公司 * ZHONGYUAN BANK CO., LTD.* （於中華人民共和國註冊成立的股份有限公司） （股份代號：1216） 建議變更總部住所 建議修訂《公司章程》 建議變更總部住所 中原銀行股份有限公司（「本行」）董事會（「董事會」）建議將本行總部辦公地址變 更為中華人民共和國河南省鄭州市鄭東新區金融島中原銀行大廈，註冊地址及本 行住所由中華人民共和國河南省鄭州市鄭東新區CBD商務外環路23號中科金座大 廈變更為中華人民共和國河南省鄭州市鄭東新區金融島C3-18號中原銀行大廈， 最終以市場監督管理部門核准登記為準（「建議變更總部住所」）。 建議修訂《公司章程》 董事會建議對《中原銀行股份有限公司章程》（「《公司章程》」）作出修訂以反映上述 建議變更總部住所（「建議修訂《公司章程》」），具體修訂內容如下： | 《公司章程》原條款 | 《公司章程》修改後的條款 | | --- | -- ...

Core Viewpoint - Zhongyuan Bank's Xinmi Branch actively responds to national strategies by integrating financial services into rural revitalization, emphasizing the importance of industrial revitalization as a key component of rural development [1][2]. Group 1: Financial Support for Agriculture - The bank promotes products like "Inclusive Industry Loans" to provide comprehensive credit support for farmers and enterprises involved in agricultural production, processing, and sales [1]. - In response to a local flour factory's funding needs, the bank customized a financing plan and issued a loan of 1 million yuan, enabling the factory to store grain and stabilize raw material supply for local farmers [1]. - The bank collaborates closely with local governments, enterprises, and farmers to create a strong synergy for advancing rural revitalization projects [1]. Group 2: Innovative Collaboration Models - The bank explores new models of industrial integration by partnering with agricultural leading enterprises to enhance farmers' income through initiatives like "Company + Farmer" and "Company + Cooperative + Farmer" [2]. - When a local vegetable planting company faced challenges with unsold celery, the bank organized promotional activities and live-streamed harvesting events, successfully selling all the produce [2]. - The bank maintains close contact with farmers to provide personalized financial solutions and conducts financial literacy programs to enhance farmers' financial awareness and asset management [2]. Group 3: Community Engagement and Awareness - The bank actively participates in anti-fraud campaigns and community activities, conducting over 110 public awareness events to educate villagers on fraud prevention techniques [2]. - The bank leverages its inclusive financial service points to engage with the community and promote financial knowledge [2]. Group 4: Future Commitment - The bank plans to continue its commitment to rural revitalization by innovating financial service models and increasing financial support [3].

Core Viewpoint - Zhongyuan Bank is focusing on building a financial ecosystem for the entire grain industry chain, supporting various stakeholders in agriculture to promote modernization and standardization in the sector [1] Group 1: Financial Products and Support - Zhongyuan Bank has launched the "Rural Revitalization Industry Inclusive Loan," providing credit support of up to 10 million yuan, with a cumulative investment of 8.05 billion yuan in various agricultural sectors [2] - The bank has introduced specialized financial solutions for grain storage and trade, addressing urgent funding needs for grain storage enterprises [2][3] - The bank's grain storage loan balance has reached 9.14 billion yuan, with 5.11 billion yuan disbursed this year [4] Group 2: Collaboration and Innovation - Zhongyuan Bank collaborates closely with Henan Agricultural Guarantee Company to enhance business approval efficiency through a direct data connection [1] - The bank has established a special task force for grain storage, conducting on-site research to understand the financial needs of local grain storage enterprises [2] - The introduction of the "优粮优信" (Quality Grain, Quality Credit) model and the "Grain Storage - Taiyi Platform" aims to provide tailored services for state-owned and small to medium-sized grain enterprises [2][3] Group 3: Market Impact and Agricultural Development - The bank's initiatives are contributing to the modernization of agriculture in Henan, enhancing the quality and efficiency of grain supply and processing [4] - The successful implementation of these financial products is expected to create a vibrant agricultural landscape, promoting prosperity for farmers and beautifying rural areas [4]

Core Viewpoint - The collaboration between the Yucheng Binhu Ecological Tourism Area and Zhongyuan Bank has significantly contributed to the development of the tourism sector and local agriculture, showcasing the importance of financial support in rural revitalization efforts [1][2]. Group 1: Tourism Development - The Yucheng Binhu Ecological Tourism Area has become a leading destination for surrounding tourism, receiving nearly 10,000 visitors daily during the May Day holiday [1]. - Established in 2013, the tourism area spans over 2,500 acres and integrates creative agriculture, leisure experiences, health and wellness vacations, scientific education, and sports expansion [1]. - The area has been recognized as a "National 4A Tourist Attraction," highlighting its appeal and quality [1]. Group 2: Financial Support and Initiatives - Zhongyuan Bank Pingdingshan Branch has maintained a close partnership with the tourism area, providing essential financial support for its growth [1][2]. - The "Rural Revitalization Industry Inclusive Loan" was introduced to address financing challenges faced by rural industries, offering flexible collateral and repayment options, with loan amounts up to 10 million yuan and terms up to 10 years [2]. - As of May 31, the inclusive loan program has supported 2,223 farmers with a total loan amount of 852 million yuan, alleviating financial difficulties in agricultural production and industry development [2]. Group 3: New Projects and Future Prospects - A children's forest amusement project, costing over 2 million yuan and covering 4,000 square meters, is under construction in the tourism area, with partial completion expected before Children's Day [3]. - The development of this project is anticipated to enhance the tourism area's offerings and attract more visitors during the summer [3].

Core Viewpoint - Zhongyuan Bank has achieved a good start in overall operations since 2025, actively responding to the complex economic and financial environment by promoting differentiated development and implementing various tasks effectively [1] Group 1: Financial Performance - In the first quarter, Zhongyuan Bank's performance indicators exceeded the expected progress, with stable asset quality and steady growth in asset scale [1] - The bank's micro and small enterprise loan balance reached 945 billion yuan, an increase of 4.3 billion yuan from the beginning of the year, with a growth rate higher than that of all loans [2] Group 2: Support for Private Economy - As of the end of 2024, the number of private economic entities in Henan Province reached 10.817 million, accounting for 96% of the total operating entities, contributing over 55% of the province's GDP [2] - Zhongyuan Bank has developed special plans to ensure the implementation of policies supporting the high-quality development of the private economy, focusing on enhancing service coverage and market share [2][3] Group 3: Industry Chain Focus - The bank is focusing on the integration of technological and industrial innovation, with industrial financial loans amounting to 49.7 billion yuan in the first quarter, representing over 70% of new industrial financial loans [4] - The technology financial loan balance reached 82.67 billion yuan, with an increase of 5.62 billion yuan and a growth rate of 7.3% [4] Group 4: Future Plans - In the second quarter, Zhongyuan Bank plans to select eight pilot industry chains and improve pilot branches, utilizing supply chain financial products to enhance the quality and efficiency of key industry and supply chains [5] - The bank aims to maintain its leading position in technology finance by effectively utilizing policy funds and key products such as "specialized, refined, distinctive, and innovative loans" [6]

Financial Performance - In 2024, the company's net interest income was RMB 21,542.7 million, a decrease of 3.2% compared to RMB 22,263.0 million in 2023[19]. - The net profit for 2024 increased by 8.2% to RMB 3,469.7 million, up from RMB 3,206.3 million in 2023[19]. - The company's operating income for 2024 was RMB 25,955.3 million, a slight decrease of 0.9% from RMB 26,183.4 million in 2023[19]. - The cost-to-income ratio improved to 38.80% in 2024, down from 40.07% in 2023[19]. - The net interest margin decreased to 1.52% in 2024, down from 1.56% in 2023[19]. - The company reported a return on average equity of 3.47% in 2024, an increase from 3.11% in 2023[19]. - The total operating income for the bank was RMB 25,955.3 million, a slight decrease from RMB 26,183.4 million in the previous year[146]. - Interest income from loans and advances was RMB 31.8418 billion, down RMB 1.783 billion or 5.3% year-on-year, attributed to the company's efforts to lower financing costs for enterprises by reducing interest rates[64]. - Interest expenses for the year ended December 31, 2024, amounted to RMB 26.493 billion, a decrease of RMB 1.949 billion or 6.9% year-on-year, primarily due to reduced interest expenses on deposits and issued bonds[73]. Asset and Liability Management - Zhongyuan Bank's total assets exceeded RMB 1.3 trillion as of the end of the reporting period[13]. - The total assets of the company reached RMB 1,365,197.0 million, reflecting a growth of 1.4% from RMB 1,346,446.5 million in 2023[22]. - Total assets reached RMB 1,365.197 billion, an increase of RMB 18.751 billion compared to the previous year[39]. - The total amount of absorbed deposits was RMB 942.459 billion, with an average interest rate of 1.98%, compared to RMB 865.444 billion and 2.28% in the previous year[75]. - The bank's total liabilities were not explicitly stated but are implied to be consistent with the growth in total assets[92]. - The balance of interbank and other financial institution deposits was RMB 52,658.6 million, up RMB 13,954.6 million, marking a 36.1% increase from the previous year[115]. Loan and Credit Quality - The non-performing loan ratio improved slightly to 2.02% in 2024, down from 2.04% in 2023[22]. - The company's non-performing loan balance was RMB 144.58 million, with a non-performing loan ratio of 2.02%, a decrease of 0.02 percentage points from the previous year[124]. - The normal loan category accounted for 94.76% of total loans, while the substandard, doubtful, and loss categories represented 0.47%, 0.16%, and 1.39% respectively[126]. - The overdue loan total was approximately RMB 292.51 billion, representing 4.09% of the total loan amount, an increase of about 0.11 percentage points from the previous year[144]. - The non-performing loan balance for mortgage loans was RMB 6,880.8 million, with an NPL ratio of 2.44% as of December 31, 2024[136]. Market Position and Recognition - In 2024, Zhongyuan Bank ranked 144th in The Banker’s list of the world's top 1,000 banks, improving by one position from the previous year[16]. - The bank received multiple awards in 2024, including the "Outstanding Brand Communication Award" and "Pioneer in Digital Transformation"[17]. - Zhongyuan Bank was recognized as one of the top 20 in ESG comprehensive performance among city commercial banks in China[17]. - In 2024, the company was awarded the "2024 Golden Quality Bank Brand" and "Outstanding Bank Wealth Management Institution" by various financial media[17]. Strategic Initiatives and Development - The bank aims to enhance its market position by focusing on high-quality development and local economic service[14]. - The bank's strategy includes continuous improvement in asset quality and operational performance to support local economic development[14]. - The company's mission is to be "the bank of the people of Central China," aligning with regional government goals[14]. - The company signed strategic cooperation agreements with nine local governments, enhancing service capabilities[40]. - The bank continues to focus on expanding its market presence and enhancing its product offerings to support future growth[100]. Customer and Service Expansion - The bank's retail customer base expanded to 35.4361 million, with an increase of 1.605 million customers, reflecting a growth rate of 4.53% year-on-year[175]. - The number of registered mobile banking users reached 17.56 million, an increase of 1.64 million compared to the end of the previous year[195]. - The bank's mobile banking service for rural areas has reached 3.4275 million users[191]. - The bank provided clearing services for 434 million transactions, amounting to RMB 142.875 billion for acquiring customers[176]. - The bank's wealth management services continued to grow, emphasizing personalized and diversified offerings for clients[177]. Digital Transformation and Technology Integration - The bank emphasized digital transformation and technology integration to enhance service quality and operational efficiency[200]. - The bank launched its first green inclusive collaborative model for green government procurement loans and green corporate overdraft products in 2024[162]. - The bank's mobile banking app version 6.0 was released, focusing on "simple, intelligent, and secure" financial services[193]. - The company has developed a comprehensive online product operating system that combines financial and non-financial services, serving 28,764 clients in financial management[164]. Awards and Recognition - The bank received multiple awards for its wealth management services, including the "Golden Hazelnut Award" and "Golden Reputation Award" in 2024[184].

Core Insights - Zhongyuan Bank has implemented dividends for the first time in five years, distributing a total of 439 million yuan, which is 12.74% of its net profit for 2024 [1][6]. Financial Performance - In 2024, Zhongyuan Bank reported operating income of 25.955 billion yuan, a decrease of 0.9% year-on-year, while net profit increased by 7% to 3.446 billion yuan [1][3]. - The total assets of Zhongyuan Bank reached approximately 1.37 trillion yuan, growing by 1.4% compared to the previous year, with net loans and advances amounting to 697.845 billion yuan, an increase of 1.2% [1][3]. - The bank's net interest income was 21.543 billion yuan, down by 3.2% year-on-year, with net interest margin and net interest spread decreasing to 1.61% and 1.52%, respectively [3]. Non-Interest Income - Zhongyuan Bank achieved net fee and commission income of 1.418 billion yuan, an increase of 7.6% year-on-year, with significant growth in settlement and clearing service fees [4]. - Investment securities income rose to 2.504 billion yuan, a 32.2% increase, accounting for 9.65% of total operating income [4]. Asset Quality - As of the end of 2024, the non-performing loan (NPL) balance was 14.458 billion yuan, with an NPL ratio of 2.02%, a slight decrease from the previous year [7]. - Personal consumption NPLs increased to 1.667 billion yuan, with an NPL ratio rising to 3.24% [8]. - The overdue loan total reached approximately 29.251 billion yuan, with an overdue loan ratio of about 4.09% [8]. Capital Adequacy - As of the end of 2024, the core Tier 1 capital adequacy ratio, Tier 1 capital adequacy ratio, and total capital adequacy ratio were 8.46%, 10.93%, and 13.02%, respectively, showing increases from the previous year [8].