Sou Hu Cai Jing·2025-08-29 08:28Core Viewpoint - Zhengzhou Bank has achieved simultaneous growth in scale and quality in the first half of 2025, marking the second consecutive financial reporting period of revenue and profit growth [1]. Financial Performance - As of June 30, 2025, Zhengzhou Bank's total assets reached 719.738 billion yuan, a year-on-year increase of 11.47% [1]. - The bank reported operating income of 6.690 billion yuan, up 4.64% year-on-year, and a net profit attributable to shareholders of 1.627 billion yuan, reflecting a 2.1% increase [1]. - The bank's personal deposit balance reached 258.098 billion yuan, with a year-on-year growth of 29.35%, marking a historical high [1]. Growth in Assets and Loans - Zhengzhou Bank's total assets surpassed 700 billion yuan in the first quarter of 2025, achieving a significant growth cycle of 100 billion yuan in just two years [3]. - As of June 30, 2025, the total amount of loans and advances was 406.094 billion yuan, an increase of 18.404 billion yuan, representing a growth rate of 4.75% [3]. Investment Income and Cost Management - The bank achieved an investment income of 1.229 billion yuan, a remarkable year-on-year increase of 111.10% [5]. - Business and management expenses were reduced to 1.468 billion yuan, a decrease of 1.07 billion yuan, reflecting a decline of 6.82% [5]. Risk Management - As of June 30, 2025, the non-performing loan balance was 7.165 billion yuan, with a non-performing loan ratio of 1.76%, down 0.11 percentage points year-on-year [7]. - The bank's provision coverage ratio stood at 179.20%, with a capital adequacy ratio of 11.85% [7]. Retail Business Development - Zhengzhou Bank's retail business generated an income of 1.236 billion yuan, a historical high with a year-on-year growth of 3.56% [10]. - Personal consumption loan balance reached 20.695 billion yuan, with a year-on-year increase of 20.72% and a non-performing loan ratio of 0.67%, significantly lower than the industry average [10]. Future Outlook - The bank aims to strengthen its capital base through internal accumulation and timely external capital supplementation to better serve the real economy [8].