Zhong Zheng Wang·2025-09-01 08:20Core Viewpoint - Zhengzhou Bank has demonstrated significant growth in both scale and quality, contributing to the stable development of the real economy through its commitment to serving local economies, small and medium-sized enterprises, and urban and rural residents [1] Group 1: Asset Growth - As of June 30, 2025, Zhengzhou Bank's total assets exceeded 700 billion yuan, reaching 719.738 billion yuan, a year-on-year increase of 11.47%, marking the highest growth rate since 2018 [2] - The bank's loan and advance total reached 406.094 billion yuan, an increase of 18.404 billion yuan or 4.75% compared to the end of the previous year, with both corporate and retail sectors contributing positively [2] Group 2: Revenue and Profitability - In the first half of 2025, Zhengzhou Bank achieved operating income of 6.690 billion yuan, a year-on-year growth of 4.64%, while net profit attributable to shareholders reached 1.627 billion yuan, up 2.1% [3] - The bank's investment income significantly increased by 111.10% to 1.229 billion yuan, highlighting successful diversification in its business operations [3] Group 3: Asset Quality and Risk Management - Zhengzhou Bank's non-performing loan balance stood at 7.165 billion yuan, with a non-performing loan ratio of 1.76%, a decrease of 0.03 percentage points from the end of the previous year, indicating stable and improving asset quality [4] - Key risk indicators include a provision coverage ratio of 179.20% and a capital adequacy ratio of 11.85%, demonstrating strong risk resilience [4] Group 4: Retail Business Development - The bank's retail business revenue reached 1.236 billion yuan in the first half of 2025, a record high for the period, with a year-on-year increase of 3.56% [5] - Personal deposit balances increased to 258.098 billion yuan, up 39.918 billion yuan or 18.3% from the end of the previous year, enhancing the stability and cost advantage of core liabilities [5] - Personal consumption loans exceeded 20.695 billion yuan, with a year-to-date increase of 3.55 billion yuan or 20.72%, and a non-performing rate of only 0.67%, significantly lower than the industry average [5]