每周股票复盘：郑州银行（002936）2024年净利润同比增长1.39%

Core Viewpoint - Zhengzhou Bank has reported a net profit of 1.39% growth year-on-year for 2024, while also emphasizing its commitment to digital transformation and enhancing financial services to support the real economy [2][5]. Financial Performance - As of April 18, 2025, Zhengzhou Bank's stock price is 1.84 yuan, up 0.55% from the previous week, with a total market capitalization of 16.729 billion yuan [1]. - The bank's net profit for the year ending 2024 is 1.876 billion yuan, reflecting a year-on-year increase of 1.39% [2]. Strategic Initiatives - The bank has initiated a digital transformation strategy, focusing on enhancing customer experience and internal efficiency, and is exploring the application of the DeepSeek large model [3][6]. - Zhengzhou Bank plans to increase credit support for the real economy, optimize financial services, and improve market competitiveness [2][5]. Capital Management - As of the end of 2024, the bank's capital adequacy ratio is 12.06%, with a tier 1 capital ratio of 10.81% and a core tier 1 capital ratio of 8.76%, all meeting regulatory requirements [3]. - The bank aims to maintain a balance between internal capital accumulation and external capital supplementation, considering market conditions and capital needs [3]. Dividend Policy - The bank's 2024 profit distribution plan considers shareholder returns and business development needs, with a focus on enhancing risk resistance and maintaining capital adequacy [2][5]. Response to Economic Policies - In response to government initiatives to lower financing costs, the bank has reduced the average interest rates on new loans, with a decrease of 84 basis points for general loans and 76 basis points for inclusive small and micro-enterprise loans compared to the end of the previous year [4][6]. - The bank is actively promoting consumption through optimized loan offerings and innovative mortgage products tailored to young consumers [6].