作为地方金融的主力军，郑州银行始终坚守服务地方经济的初心使命，将自身发展深度融入地方经济社 会发展大局。2025年以来，无论是一季度的稳健增长，还是上半年的持续发力，郑州银行都以扎实的业 绩和精准的金融服务，彰显着金融机构的社会担当，为地方经济高质量发展注入了强劲动力。 规模与质效双提升，筑牢服务地方经济根基 聚焦创新与民生，拓宽服务地方维度 在科技创新领域，郑州银行持续做深"科技金融大文章"。不仅在郑州西、北、南三个大学城及经开区新 挂牌4家科技特色支行，配置"懂技术、懂产业、懂金融"的专业团队，还与河南省郑洛新国投双创基 金、嵩山实验室等探索"银基联动""银研联动"模式，成为首批"郑科贷"业务合作金融机构。同时，深度 融入"两城一谷"战略布局，支持北理工郑州研究院等项目，重点扶持芯片设计、低空经济等领域科技企 业，2024年末科创金融贷款余额达482.69亿元，增速高达44.50%，为区域科技创新注入了金融"活水"。 业绩的稳健增长是服务能力的有力证明。一季度，郑州银行实现营业收入34.75亿元，同比增长2.22%； 归属于本行股东的净利润10.16亿元，同比增长4.98%，在复杂的经济环境中保持了良好的 ...

Group 1 - The central bank's recent policy package aims to release liquidity, lower financing costs, and direct credit resources towards key sectors to promote high-quality economic development [1][2] - The policy includes a comprehensive 0.5 percentage point reduction in the reserve requirement ratio, releasing 1 trillion yuan in long-term funds, and a 0.1 percentage point decrease in policy interest rates, which will alleviate banks' liability pressure and support the real economy [2] - The structural tools emphasized in the policy will support technology innovation, consumer services, and inclusive finance, with a significant increase in the re-lending quota for technology innovation from 500 billion yuan to 800 billion yuan [2] Group 2 - Zhengzhou Bank's Q1 2025 report shows strong growth across key metrics, achieving increases in total assets, deposits, loans, revenue, and profit, marking a historical high for the bank [4] - As of the end of Q1 2025, Zhengzhou Bank's total assets grew by 4.46% year-on-year, surpassing 700 billion yuan, with total deposits of 430.11 billion yuan (up 6.32%) and total loans of 400.24 billion yuan (up 3.24%) [4] - The bank's operating income reached 3.475 billion yuan, a 2.22% increase year-on-year, and net profit was 1.016 billion yuan, up 4.98% from the previous year, indicating a stable growth trend [4] Group 3 - Zhengzhou Bank's strategic focus on retail transformation has led to a significant increase in personal deposits, which rose by 11.61% to 243.51 billion yuan, accounting for 56.6% of total deposits [5][6] - The bank's innovative credit products, such as "Zheng e-loan" and "Housing e-loan," have met diverse personal credit needs, with personal loan balances reaching 93.58 billion yuan, a year-on-year increase of 2.88% [6] - By concentrating credit resources on key industrial clusters in Henan province, Zhengzhou Bank has established a positive feedback mechanism that supports local economic development [6] Group 4 - The central bank's policy initiatives provide a strategic opportunity for banks to enhance their services to the real economy, with Zhengzhou Bank's strong performance in Q1 serving as a testament to the effective integration of policy benefits and the bank's strategic direction [7] - As policy benefits continue to unfold, Zhengzhou Bank's advantages in technology innovation and green finance may position it favorably in regional financial competition and value reassessment [7]

Core Viewpoint - The article emphasizes the importance of financial services in supporting national strategies and high-quality economic development, highlighting Zhengzhou Bank's commitment to five key areas: technology, green finance, inclusive finance, pension finance, and digital finance [1] Group 1: Technology Finance - Zhengzhou Bank has established a strategic focus on technology finance, with a policy-driven loan balance of 48.269 billion yuan in 2024, reflecting a growth rate of 44.50% [2] - The bank aims to create a comprehensive financial service system that covers the entire lifecycle of technology enterprises, particularly in innovation hubs like Zhengzhou High-tech Zone and Central Plains Science City [2] - Innovative products such as "Talent e-loan" and "Intellectual Property Pledge Loan" are designed to facilitate the transformation of technological achievements into industrial applications [2] Group 2: Green Finance - Zhengzhou Bank is actively implementing the national green development strategy, with a green finance loan balance of 9.146 billion yuan in 2024, showing a significant increase of 123.73% [3] - The bank issued 2 billion yuan in special green financial bonds, targeting six core areas including energy conservation and pollution prevention [3] - Collaborative efforts with government and research institutions have led to the establishment of a green technology assessment platform, supporting key green projects like new energy vehicles [3] Group 3: Inclusive Finance - Zhengzhou Bank focuses on small and micro enterprises, offering products like "Order Loan" and "Enterprise Procurement Loan" to enhance financing efficiency [4][5] - The bank has optimized traditional products like "Housing e-loan" to simplify approval processes and improve loan accessibility for small businesses [5] - Efforts to support rural revitalization include expanding service channels and introducing tailored loan products for agricultural needs [5] Group 4: Pension Finance - The bank has formed a dedicated team to enhance pension financial services, aligning with national policies on aging [6] - It prioritizes credit funding for pension industry projects and offers specialized financial products for elderly clients [6] - Collaboration with social security departments aims to streamline pension distribution processes and provide comprehensive financial services for seniors [6] Group 5: Digital Finance - Zhengzhou Bank is embracing financial technology, launching online products like "Zheng e-loan" to streamline the loan process [7] - Strategic partnerships with tech companies, including Huawei, focus on digital transformation and enhancing operational efficiency [7] - The bank is committed to expanding its technological collaborations to drive digital development [7]