Mei Ri Jing Ji Xin Wen·2025-08-30 10:14Core Viewpoint - Zhengzhou Bank has demonstrated strong performance in its mid-year report, achieving significant growth in both scale and quality, with multiple operational indicators breaking historical records [1][6]. Group 1: Asset Scale and Structure - As of June 30, 2023, Zhengzhou Bank's total assets reached 719.738 billion yuan, an increase of 43.373 billion yuan or 6.41% from the end of the previous year [4]. - The bank's loan and advance total exceeded 400 billion yuan, with a year-on-year increase of approximately 18.4 billion yuan, reflecting a growth rate of 4.75% [4]. - The non-performing loan ratio decreased by 0.11 percentage points to 1.76% compared to the same period last year, indicating improved asset quality [4][5]. Group 2: Revenue and Profit Growth - Zhengzhou Bank reported operating income of 6.690 billion yuan, a year-on-year increase of 4.64%, and a net profit attributable to shareholders of 1.627 billion yuan, up 2.1% from the previous year [6]. - Investment income reached 1.229 billion yuan, showing a remarkable growth of 111.10% year-on-year, marking the best performance for the same period since 2021 [6]. - The bank achieved a reduction in business and management expenses by 1.07 billion yuan, a decrease of 6.82%, effectively enhancing profitability [6]. Group 3: Retail Transformation - The retail business generated 1.236 billion yuan in revenue, a historical high with a year-on-year growth of 3.56% [9]. - Personal deposits surged to 258.1 billion yuan, an increase of nearly 40 billion yuan or 18.3% from the end of the previous year, positioning the bank among the top in domestic city commercial banks [9]. - Personal consumption loans reached 20.695 billion yuan, with a year-to-date increase of 3.55 billion yuan, reflecting a growth rate of 20.72% [10].