Bei Jing Shang Bao·2025-04-18 02:29Core Viewpoint - Zhengzhou Bank has successfully reversed its net profit decline after nearly three years, achieving a net profit of 1.876 billion yuan in 2024, marking a year-on-year growth of 1.39%, indicating a transition to a new phase of high-quality development [1] Group 1: Strategic Focus and Operational Efficiency - Zhengzhou Bank has actively adjusted its strategic direction, focusing on "cost reduction and efficiency enhancement" and "business transformation" to improve operational efficiency and service capabilities [2] - The bank has effectively reduced operating costs through optimizing internal management processes, enhancing technological capabilities, and strengthening cost control, laying a solid foundation for net profit growth [2] - The acceleration of business transformation includes advancing retail and corporate business, risk control, and digital transformation, broadening revenue sources and consolidating competitive advantages in regional markets [2] Group 2: Asset Optimization - In September 2024, Zhengzhou Bank signed an asset transfer contract with Zhongyuan Asset Management, selling 15 billion yuan of credit and other assets, which improved liquidity and reduced asset loss risks [3] - This asset transfer is a key step in optimizing the bank's asset structure and enhancing asset quality, allowing for more resources to be allocated to high-yield, low-risk business areas [3] Group 3: Profit Growth Drivers - The positive growth in net profit is attributed to multiple factors, including a strategic focus on customer experience and internal efficiency, which has garnered customer trust and support [4] - The bank has adopted a more prudent and proactive risk management strategy, effectively controlling the non-performing loan ratio, which stood at 1.79% at the end of 2024, marking a steady decline over two consecutive years [4] - Zhengzhou Bank has actively fulfilled its social responsibilities by supporting green finance, technological innovation, and rural revitalization, enhancing its brand image and opening new business growth points [4] Group 4: Future Development Strategy - Looking ahead, Zhengzhou Bank aims to deepen business transformation and asset optimization during the "14th Five-Year Plan" period, focusing on retail business and inclusive finance [5] - The bank plans to continue advancing digital transformation by leveraging cutting-edge technologies such as big data and artificial intelligence to create a new ecosystem for smart banking [5] - In risk management, Zhengzhou Bank will enhance its comprehensive risk management system and improve risk warning and handling capabilities to ensure continuous asset quality improvement [5] Group 5: Commitment to Social Responsibility - Zhengzhou Bank will continue to practice the concept of green development, increasing support for green finance and rural revitalization to contribute to sustainable economic and social development [6] - The bank's impressive performance in 2024 reflects its strategic transformation and operational management effectiveness, injecting new vitality into the regional financial market [6] - The bank is committed to being a modern commercial bank with core competitiveness, regional influence, and social responsibility, creating greater value for shareholders, customers, and society [6]