Zhong Guo Ji Jin Bao·2025-11-26 08:13Core Insights - Zhengzhou Bank reported a comprehensive progress in various dimensions such as scale growth, profitability, service to the real economy, and risk control amid a complex external environment and increasing industry competition [1] Group 1: Asset Growth - The bank's total assets reached 743.55 billion yuan, an increase of 9.93% compared to the end of the previous year, marking a growth of 67.19 billion yuan, which is 1.87 times the growth rate of the same period last year [2] - The total amount of loans and advances issued by the bank was 406.72 billion yuan, reflecting a growth of 4.91% compared to the end of the previous year [2] Group 2: Revenue and Profitability - Zhengzhou Bank achieved a net interest income of 7.82 billion yuan, representing a year-on-year increase of 5.83% [3] - The bank's non-interest income also showed good growth, indicating a diversified revenue structure and sustained profitability in a challenging operating environment [3] Group 3: Retail Strategy - The bank's retail strategy has made significant progress, with personal deposit balances reaching 267.14 billion yuan, a growth of 22.44% compared to the end of the previous year [3] - Personal loan balances stood at 96.31 billion yuan, reflecting a growth of 5.88% compared to the end of the previous year [3] - The bank is focusing on enhancing customer loyalty through a comprehensive retail service system, addressing the financing needs of small and micro enterprises, and expanding financial services to rural areas [3] Group 4: Future Outlook - Zhengzhou Bank aims to continue its high-quality development direction by differentiating its business positioning, deepening services to the real economy, and advancing technological finance and digital transformation [3]