Sou Hu Cai Jing·2025-08-29 12:40Core Viewpoint - Zhengzhou Bank demonstrated strong growth in both assets and profitability in the first half of 2025, achieving a total asset of 719.738 billion yuan, a year-on-year increase of 11.47%, along with continuous growth in operating income and net profit [1][2]. Group 1: Scale and Efficiency - As of mid-2025, Zhengzhou Bank's total assets reached 719.738 billion yuan, an increase of 43.373 billion yuan from the end of the previous year, marking a growth rate of 6.41% [2]. - The year-on-year growth rate of 11.47% is the highest since 2018, indicating a significant acceleration in the bank's growth trajectory [2]. - The bank's operating income for the first half of 2025 was 6.690 billion yuan, a year-on-year increase of 4.64%, while net profit reached 1.627 billion yuan, up 2.10% [1][3]. Group 2: Strategic Transformation and Business Optimization - Zhengzhou Bank's retail business revenue reached 1.236 billion yuan in the first half of 2025, a year-on-year increase of 3.56%, reflecting successful retail transformation efforts [4]. - Personal deposits surged to 258.098 billion yuan, an increase of 39.918 billion yuan from the end of the previous year, with a growth rate of 18.3% [4]. - The bank's total loans and advances amounted to 406.094 billion yuan, an increase of 18.404 billion yuan, with personal consumption loans reaching 20.695 billion yuan, up 20.72% [5][6]. Group 3: Asset Quality and Risk Management - As of June 2025, Zhengzhou Bank's 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 capital adequacy ratios meeting regulatory requirements, indicating strong risk resilience [7].