Bei Jing Shang Bao·2025-09-10 03:17Core Viewpoint - Zhengzhou Bank has demonstrated significant growth and stability in the first half of 2025, achieving a total asset value exceeding 710 billion yuan, with both operating income and net profit showing growth, reflecting its commitment to serving the local economy and small enterprises [1][2]. Asset Growth - The total assets of Zhengzhou Bank reached 719.74 billion yuan by the end of June 2025, an increase of 43.37 billion yuan from the end of the previous year, marking a growth rate of 6.41% [2]. - The year-on-year growth rate of total assets reached 11.47%, the highest since 2018 [2]. Operating Performance - The bank's operating income for the first half of 2025 was 6.69 billion yuan, a year-on-year increase of 4.64%, while net profit attributable to shareholders was 1.63 billion yuan, up 2.1% [2]. - Investment income surged by 111.1% to 1.23 billion yuan, indicating a successful optimization of the investment portfolio [2]. Retail Transformation - Retail business revenue reached 1.24 billion yuan, a historical high with a year-on-year growth of 3.56%, becoming a core driver of business growth [3]. - The bank's personal deposit balance increased by 39.92 billion yuan to 258.10 billion yuan, reflecting an 18.3% growth rate, positioning it among the top in domestic city commercial banks [3]. Consumer Loans - Personal consumer loans exceeded 20.69 billion yuan, with a growth of 3.55 billion yuan, representing a 20.72% increase, driven by enhancements in the "Zheng e-loan (consumption)" program [4]. Risk Management - As of June 2025, the non-performing loan balance was 7.17 billion yuan, with a non-performing loan ratio of 1.76%, a decrease of 0.11 percentage points year-on-year, indicating stable asset quality [5][6]. - The bank's provision coverage ratio stood at 179.20%, with a capital adequacy ratio of 11.85%, demonstrating strong risk resilience [5].