中国基金报·2025-08-29 08:19Core Viewpoint - Zhengzhou Bank has achieved simultaneous growth in scale and quality, with revenue and profit increasing for the second consecutive financial quarter, reflecting its commitment to serving the local economy and small and medium-sized enterprises [2][4]. Group 1: Steady Growth in Scale - As of June 30, 2025, Zhengzhou Bank's total assets reached 719.738 billion yuan, a year-on-year increase of 11.47%, marking the highest growth rate since 2018 [2][4]. - The bank's loan and advance total reached 406.094 billion yuan, with a year-on-year increase of 4.75%, driven by both corporate and retail lending [4]. Group 2: Continuous Improvement in Efficiency - Zhengzhou Bank's investment income reached 1.229 billion yuan, a year-on-year increase of 111.10%, indicating successful diversification in its business operations [6]. - The bank reduced its business and management expenses to 1.468 billion yuan, a decrease of 6.82% year-on-year, achieved through various efficiency-enhancing measures [6]. Group 3: Effective Risk Management - As of June 30, 2025, Zhengzhou Bank's non-performing loan balance was 7.165 billion yuan, with a non-performing loan ratio of 1.76%, down 0.11 percentage points from the previous year [8]. - The bank's provision coverage ratio stood at 179.20%, demonstrating strong risk resistance capabilities [8]. Group 4: Retail Business Development - Zhengzhou Bank's retail business generated 1.236 billion yuan in revenue, a historical high with a year-on-year growth of 3.56% [10]. - Personal deposit balances reached 258.098 billion yuan, with an increase of 39.918 billion yuan, reflecting an 18.3% growth rate [10].