Workflow
盈利能力与资产质量同步提升 郑州银行以金融书写高质量发展答卷

Core Viewpoint - Zhengzhou Bank achieved growth in assets, deposits, loans, and profits in 2024, driven by steady credit business, improved operational performance, and deepening business transformation [1] Business Development - The bank optimized its business structure, with personal deposits reaching CNY 218.18 billion, accounting for 53.93% of total deposits, an increase of nearly 16 percentage points from 2021 [2] - Loan issuance totaled CNY 387.69 billion, a growth of 7.51% year-on-year, surpassing the average growth rate of provincial peers [2] - The bank's human resources efficiency improved, with per capita deposits at CNY 6.5 million and average deposits per branch at CNY 222.3 million [2] Financial Performance and Risk Control - Zhengzhou Bank reported operating income of CNY 12.88 billion and total profit of CNY 1.79 billion in 2024, marking a 2.69% increase in total profit, the first positive growth in three years [3] - The bank's net profit attributable to shareholders was CNY 1.88 billion, up 1.39% year-on-year, with a cash dividend proposal of CNY 0.20 per share [3] - Total assets reached CNY 676.37 billion, a 7.24% increase, with a non-performing loan ratio of 1.79% and a provision coverage ratio of 182.99% [4] Strategic Transformation - The bank focused on policy-driven innovation, with science and technology loans reaching CNY 48.27 billion, a growth of 44.50%, and green finance loans at CNY 9.15 billion, growing by 123.73% [5] - Zhengzhou Bank emphasized serving local economies and small enterprises, successfully supporting 6,586 small businesses and facilitating financing for 40 real estate projects [6] Digital Transformation - In December 2024, the bank launched a digital transformation initiative, aiming to enhance customer experience and operational efficiency through technology [7] - Strategic partnerships were established with Huawei and Zhenghao Credit Service to drive digital innovation in banking services [7]