Zheng Quan Shi Bao Wang·2025-11-01 02:29Core Insights - Zhengzhou Bank has demonstrated solid progress in strategic transformation, achieving growth in scale, optimizing structure, and enhancing risk management despite a complex external environment [1] Group 1: Scale and Growth - As of September 30, 2025, Zhengzhou Bank's total assets reached 743.55 billion yuan, a year-on-year increase of 9.93%, marking the highest growth rate for the same period in history [2] - Total liabilities increased to 685.94 billion yuan, up 10.62% from the end of the previous year, with an asset scale increment of 67.19 billion yuan, equivalent to 1.87 times the increase from the same period last year [2] - The efficient growth of asset scale has strengthened the bank's comprehensive strength and market influence, providing a solid financial foundation for serving the regional real economy and expanding business [2] Group 2: Profitability and Revenue Structure - For the first three quarters of 2025, Zhengzhou Bank achieved an operating income of 9.395 billion yuan, a year-on-year increase of 3.91%, and a net profit attributable to shareholders of 2.279 billion yuan, up 1.56% [3] - Net interest income reached 7.816 billion yuan, growing by 5.83%, while non-interest income also increased, leading to a more diversified and reasonable income structure [3] - The growth in retail business, particularly personal loans, has been significant, with personal deposits reaching 26.714 billion yuan, a substantial increase of 22.44% from the end of the previous year [3] Group 3: Risk Management and Quality - The bank has implemented refined management practices, resulting in a 2.45% year-on-year decrease in business and management expenses, with a cost-to-income ratio of 23.99%, down 1.57 percentage points [4] - As of September 30, the non-performing loan ratio stood at 1.76%, a decrease of 0.1 percentage points year-on-year, while the provision coverage ratio improved to 186.17%, an increase of 19.94 percentage points [4] - Zhengzhou Bank aims to maintain internal capital accumulation while reasonably conducting external capital supplementation, considering market conditions and capital needs [4]