Di Yi Cai Jing·2025-09-01 11:41Core Viewpoint - Zhengzhou Bank demonstrates resilience and high-quality development amidst a complex economic environment, achieving growth in both revenue and profit for the second consecutive reporting season [1][2]. Financial Performance - As of June 30, 2025, Zhengzhou Bank's total assets reached 719.738 billion yuan, a 6.41% increase from the previous year [1]. - The bank reported a non-performing loan (NPL) ratio of 1.76%, down 0.11 percentage points year-on-year [1]. - Operating income for the first half of 2025 was 6.690 billion yuan, a 4.64% increase year-on-year, while net profit attributable to shareholders was 1.627 billion yuan, up 2.1% [1]. Business Segments - Company banking business generated 3.546 billion yuan in revenue, remaining the core business pillar, while retail banking revenue reached 1.236 billion yuan, marking a 3.56% increase year-on-year [2]. - The bank's funding business saw a significant revenue increase of 26.62%, totaling 1.895 billion yuan [2]. Retail Transformation - Zhengzhou Bank has implemented a customer-centric approach, launching four key service models: "Citizen Manager," "Financing Manager," "Wealth Manager," and "Rural Manager" to enhance retail business [3]. - As of June 30, 2025, the balance of inclusive micro-loans reached 52.578 billion yuan, serving over 70,800 clients [3]. - Personal deposits increased by 39.918 billion yuan to 258.098 billion yuan, reflecting an 18.3% growth [3]. Risk Management - The bank maintains a low NPL ratio of 0.67% for personal consumption loans, significantly below the industry average, showcasing effective risk management [4]. - As of June 30, 2025, the NPL balance was 7.165 billion yuan, with a coverage ratio of 179.20% and a capital adequacy ratio of 11.85% [9][10]. Strategic Focus - Zhengzhou Bank emphasizes supporting local economic development, aligning with national policies to enhance consumption and investment in key sectors [6][7]. - The bank has actively engaged in financing major projects and supporting industries such as technology innovation and green development [7][8]. Future Outlook - Looking ahead, Zhengzhou Bank aims to deepen reforms and innovations, focusing on high-quality development and enhancing its service capabilities to contribute to regional economic growth [10].