Huan Qiu Lao Hu Cai Jing·2025-09-02 13:30Core Viewpoint - Zhengzhou Bank has achieved "double growth" in revenue and profit, alongside improved asset quality, with a non-performing loan ratio of 1.76%, down 0.11 percentage points year-on-year, and a provision coverage ratio of 179.20% [1][7] Financial Performance - As of June 30, 2025, Zhengzhou Bank's total assets reached 719.738 billion yuan, an increase of 43.373 billion yuan, or 6.41%, compared to the end of the previous year [1][2] - The bank's operating income for the reporting period was 6.690 billion yuan, a year-on-year increase of 4.64%, while net profit attributable to shareholders was 1.627 billion yuan, up 2.1% [2][3] Loan and Credit Growth - By the end of June, the total amount of loans and advances issued by Zhengzhou Bank was 406.094 billion yuan, an increase of 18.404 billion yuan, or 4.75%, from the end of the previous year [2] - The bank's corporate loan balance was 274.623 billion yuan, up 2.11%, while personal loan balance reached 94.556 billion yuan, increasing by 3.96% [2] Retail Transformation - Zhengzhou Bank's retail business generated 1.236 billion yuan in revenue, marking a historical high for the same period, with a year-on-year growth of 3.56% [5] - Personal deposit balance surged to 258.098 billion yuan, an increase of 39.918 billion yuan, or 18.3%, reflecting strong growth in retail banking [5][6] Asset Quality and Risk Management - The bank's non-performing loan balance was 7.165 billion yuan, with a non-performing loan ratio of 1.76%, continuing a three-year decline [7] - The provision coverage ratio stood at 179.20%, with capital adequacy ratios maintained at stable levels, including a capital adequacy ratio of 11.85% and a core tier 1 capital ratio of 8.60% [7] Future Outlook - Zhengzhou Bank aims to leverage its strategic layout and development advantages to create long-term value amidst uncertainties [8]