Core Viewpoint - The event aimed to create an efficient financial service platform to support the high-quality development of the regional real economy, with a focus on collaboration between government, banks, and enterprises [1][2] Group 1: Event Overview - The government-bank-enterprise matchmaking conference was held on December 24 at the Torch Industrial Park in the High-tech Zone of Pingdingshan City [1] - Central to the event was the presentation of over 10 key enterprises' development situations and project financing needs, showcasing the vitality of the High-tech Zone's industrial development [1] Group 2: Financial Products and Services - The Zhongyuan Bank Pingdingshan Branch introduced various inclusive financial products tailored for small and innovative enterprises, highlighting the online product "Qianqi Wanhudu" which offers a maximum single loan amount of 20 million yuan and a minimum interest rate of 2.85% [1] - The High-tech Zone branch has established a dedicated service outlet, focusing on customer-centric approaches and has served 44 small and medium-sized enterprises in the area, disbursing loans totaling 371 million yuan to support production expansion, technology upgrades, and working capital needs [1] Group 3: Future Plans - The bank plans to continue enhancing its financial resource allocation and service innovation for outstanding manufacturing, technology innovation, and specialized enterprises in Pingdingshan City, aiming to provide comprehensive solutions and empower enterprise growth [2]

Core Insights - 2024 is a milestone year for Zhongyuan Bank, emphasizing reasonable growth in quantity and effective improvement in quality amidst a complex economic environment [1][2] Financial Performance - As of the end of 2024, Zhongyuan Bank reported a net profit of 3.446 billion yuan, a year-on-year increase of 7% [3] - The total assets reached 1.36 trillion yuan, an increase of 18.751 billion yuan compared to the previous year [3] Operational Efficiency - Non-interest income ratio increased from 14.97% in 2023 to 17.00% in 2024, driven by higher net fees and commissions and investment securities income [4] - Cost-to-income ratio improved from 40.07% to 38.80%, indicating enhanced operational efficiency [4] - Capital adequacy ratio rose to 13.02%, up by 1.38 percentage points from the previous year, enhancing risk resilience [4] - Non-performing loan ratio slightly decreased from 2.04% to 2.02%, maintaining stable asset quality [4] Customer Deposits and Loans - Customer deposits exceeded 889.4 billion yuan, with a growth rate of 6.20% [4] - Loan scale surpassed 714.4 billion yuan, with a growth rate of 1.0% [4] - Loan-to-deposit ratio decreased from 84.47% to 80.33%, providing more liquidity [4] Strategic Development - Zhongyuan Bank is focusing on four strategic directions: government banking, industrial banking, citizen banking, and rural revitalization banking to create competitive advantages [5] - Retail banking is positioned as a cornerstone, with asset management scale exceeding 645.4 billion yuan and retail customer base surpassing 35.43 million [5] Digital Transformation - The bank is accelerating digital transformation, with mobile banking user numbers reaching 17.56 million and monthly active users at 4.45 million [5] - Online platforms provided 187.4 billion yuan in supply chain financing, promoting industry chain collaboration [5] Support for Small and Micro Enterprises - By the end of 2024, Zhongyuan Bank provided 74.848 billion yuan in inclusive micro loans, with a weighted average interest rate of 3.96% [8] - Inclusive micro loan balance reached 90.097 billion yuan, with a year-on-year increase of 6.32 billion yuan, achieving regulatory targets [8] Focus on Manufacturing and Regional Development - The bank has increased support for the manufacturing sector, with industrial financial loans reaching 159.6 billion yuan, an increase of 19.2 billion yuan [11] - Loans to private enterprises reached 222.938 billion yuan, growing by 4.693 billion yuan [11] Environmental and Rural Support - Zhongyuan Bank supported ecological protection and high-quality development in the Yellow River basin with over 6.6 billion yuan in loans [12] - Agricultural loans reached 171.9 billion yuan, contributing to rural revitalization efforts [12] Future Outlook - The bank aims to focus on "four high and four first" strategies, targeting the goal of becoming a first-class urban commercial bank while enhancing its core competitiveness [12]