Core Viewpoint - Zhengzhou Bank achieved growth in assets, deposits, loans, and profits in 2024, driven by steady credit business, improved operational performance, and deepening business transformation [1] Business Development - The bank optimized its business structure, with personal deposits reaching CNY 218.18 billion, accounting for 53.93% of total deposits, an increase of nearly 16 percentage points from 2021 [2] - Loan issuance totaled CNY 387.69 billion, a growth of 7.51% year-on-year, surpassing the average growth rate of provincial peers [2] - The bank's human resources efficiency improved, with per capita deposits at CNY 6.5 million and average deposits per branch at CNY 222.3 million [2] Financial Performance and Risk Control - Zhengzhou Bank reported operating income of CNY 12.88 billion and total profit of CNY 1.79 billion in 2024, marking a 2.69% increase in total profit, the first positive growth in three years [3] - The bank's net profit attributable to shareholders was CNY 1.88 billion, up 1.39% year-on-year, with a cash dividend proposal of CNY 0.20 per share [3] - Total assets reached CNY 676.37 billion, a 7.24% increase, with a non-performing loan ratio of 1.79% and a provision coverage ratio of 182.99% [4] Strategic Transformation - The bank focused on policy-driven innovation, with science and technology loans reaching CNY 48.27 billion, a growth of 44.50%, and green finance loans at CNY 9.15 billion, growing by 123.73% [5] - Zhengzhou Bank emphasized serving local economies and small enterprises, successfully supporting 6,586 small businesses and facilitating financing for 40 real estate projects [6] Digital Transformation - In December 2024, the bank launched a digital transformation initiative, aiming to enhance customer experience and operational efficiency through technology [7] - Strategic partnerships were established with Huawei and Zhenghao Credit Service to drive digital innovation in banking services [7]

2025年3月27日，郑州银行(002936.SZ)发布了2024年年报，公司信贷业务稳步推进、经营业绩稳步提 升、业务转型持续深化。 在2024年全年的经营下，郑州银行存贷款增速分别高出全省金融机构整体水平，归属于上市公司股东的 净利润，成功扭转近三年净利润负增长态势。 扭转业绩颓势，存款增速翻番突破4000亿元 在降本增效、业务转型双管齐下，郑州银行近三年首次净利润正增长，盈利能力增强。同时，郑州银行 提出2024年度现金分红方案。 数据显示，2024年实现归属于本行股东的净利润18.76亿元，同比增长1.39%，扭转近三年净利润负增长 态势。 具体来看，2024年，从存款结构可以看出郑州银行发力零售战略转型成绩不俗，截至2024年末郑州银行 个人存款余额2,181.79亿元，占全行存款总额的比重约54%。 郑州银行始终坚持"以客户为中心"的服务理念，深耕市民金融及乡村金融领域发展，通过精心打造 的"市民管家"、"融资管家"、"财富管家"和"乡村管家"四大管家服务，来全方位满足客户的金融需求战 略。 2024年9月，郑州银行与中原资产管理有限公司签署资产转让合同，向中原资产出售150亿元信贷资产及 其他资 ...