规模增长的核心价值在于转化为服务实体的能力。截至三季度末，全行发放贷款及垫款总额4067.17亿 元，较上年末增长4.91%，信贷资源精准投向经济关键领域。 在货币政策适度宽松与行业竞争加剧的环境下，银行业呈现分化格局。在此背景下，近日郑州银行披露 的三季度业绩报告，展现出这家深耕河南的地方法人金融机构的稳健经营态势。 截至三季度末，郑州银行资产总额突破7400亿元，营收净利实现双增，零售转型与风险防控多点突破， 在复杂环境中彰显出"规模与质量并重"的发展特质。 一、规模增长锚定实体需求，风控护航夯实发展底座 资产规模的跨越式增长成为本季度最亮眼的业绩切面。 截至2025年三季度末，郑州银行资产总额达7435.52亿元，较上年末增长9.93%，671.87亿元的资产增量 更是去年同期的1.87倍。这一增长速度远超自身历史同期水平。负债端的坚实支撑为资产扩张提供了稳 固基础。前三季度全行吸收存款本金总额达到4595.18亿元，同比增长13.59%，增量近550亿元。 这种变化与行业趋势高度一致：在严监管与宏观经济回升的双重作用下，城商行通过加大存量风险处 置、优化信贷结构，实现了风险防控能力的系统性提升。 二、 ...

一、规模增长锚定实体需求，风控护航夯实发展底座 在货币政策适度宽松与行业竞争加剧的环境下，银行业呈现分化格局。在此背景下，近日郑州银行披露 的三季度业绩报告，展现出这家深耕河南的地方法人金融机构的稳健经营态势。 截至三季度末，郑州银行资产总额突破7400亿元，营收净利实现双增，零售转型与风险防控多点突破， 在复杂环境中彰显出"规模与质量并重"的发展特质。 资产规模的跨越式增长成为本季度最亮眼的业绩切面。 截至2025年三季度末，郑州银行资产总额达7435.52亿元，较上年末增长9.93%，671.87亿元的资产增量 更是去年同期的1.87倍。这一增长速度远超自身历史同期水平。负债端的坚实支撑为资产扩张提供了稳 固基础。前三季度全行吸收存款本金总额达到4595.18亿元，同比增长13.59%，增量近550亿元。 规模增长的核心价值在于转化为服务实体的能力。截至三季度末，全行发放贷款及垫款总额4067.17亿 元，较上年末增长4.91%，信贷资源精准投向经济关键领域。 在河南"7+28+N"重点产业链群建设中，郑州银行通过聚焦先进制造业、城市更新等领域，将规模优势 转化为产业赋能实效。针对小微企业融资难题，该行落 ...

随着LPR改革持续深化、利率市场化进程加快，银行业息差收窄压力犹存，而区域经济振兴战略的推进 又对地方金融机构提出了更高的服务要求。 这一成绩的取得，得益于"传统业务稳盘+新兴业务拓局"的双重驱动。一方面，利息净收入"基本盘"保 持稳健增长，实现78.16亿元，同比增幅5.83%，这背后是该行通过优化客户结构、提升定价能力，将贷 款加权利率维持在合理区间；另一方面，非利息收入规模显著提升至15.79亿元。非息收入占比的提 升，不仅是应对息差收窄的"缓冲器"，更是银行综合服务能力的直接体现，郑州银行通过不断积累市场 研判能力，洞察客户需求，有效反哺财富管理、资产管理等业务场景，正推动其从"存贷中介"向"综合 金融服务商"转型。 零售转型破局 在此背景下，郑州银行交出了一份颇具亮点的三季度答卷：资产总额突破7400亿元，前三季度增量达 671.87亿元，相当于去年同期的1.87倍；营收、利润保持双增长，成本收入比同比下降1.57个百分点， 同时零售贷款与个人存款分别实现5.88%、22.44%的高速增长。这份成绩单不仅勾勒出区域性银行的突 围路径，更折射出金融服务实体经济的深层逻辑转换。 规模效益双升 实体经济导 ...

Core Insights - Zhengzhou Bank reported a strong performance in Q3 2025, with total assets reaching 743.55 billion yuan, a 9.93% increase from the end of the previous year, marking the highest growth rate for the same period in history [1][2] - The bank achieved an operating income of 9.395 billion yuan, a year-on-year increase of 3.91%, and a net profit attributable to shareholders of 2.279 billion yuan, up 1.56% from the same period last year [1] Asset Growth - The asset growth rate for Zhengzhou Bank in the first three quarters reached a historical high, with an increase of 67.187 billion yuan, equivalent to 1.87 times the growth of the same period last year [2] - The total amount of loans and advances issued by the bank was 406.717 billion yuan, reflecting a 4.91% increase from the end of the previous year [2] - The bank focused on supporting key industries and projects, enhancing financial services for small and micro enterprises, and implementing targeted relief measures for businesses [2] Revenue and Profitability - Zhengzhou Bank's net interest income for the first three quarters was 7.816 billion yuan, representing a year-on-year growth of 5.83% [3] - Non-interest income significantly increased, contributing to the bank's resilience and growth potential in a complex market environment [3] - The bank's retail transformation showed notable results, with personal deposits reaching 267.143 billion yuan, a 22.44% increase, and personal loans amounting to 96.306 billion yuan, up 5.88% [3]

Core Insights - Zhengzhou Bank reported a robust performance in Q3 2025, demonstrating resilience in a challenging external environment and contributing to the economic development of Henan province [1] Group 1: Financial Performance - As of the end of Q3 2025, Zhengzhou Bank's total assets reached 743.55 billion, marking a 9.93% increase from the end of the previous year, achieving the highest growth rate for the same period in history [2] - The bank's operating income for the first three quarters was 9.395 billion, reflecting a year-on-year increase of 3.91% [1] - Net profit attributable to shareholders was 2.279 billion, with a year-on-year growth of 1.56% [1] Group 2: Asset Growth and Lending - The asset scale increased by 67.187 billion in the first three quarters, equivalent to 1.87 times the growth of the same period last year [2] - Total loans and advances reached 406.717 billion, up 4.91% from the end of the previous year [2] - The bank focused on supporting key industries and projects, enhancing financing for advanced manufacturing and urban renewal [2] Group 3: Revenue and Retail Transformation - Net interest income for the first three quarters was 7.816 billion, showing a year-on-year increase of 5.83% [3] - Non-interest income significantly increased, showcasing the bank's profitability resilience and growth potential in a complex market [3] - Personal deposits reached 267.143 billion, a 22.44% increase from the end of the previous year, while personal loans grew by 5.88% to 96.306 billion [3]

Core Insights - Zhengzhou Bank reported a strong performance in the first half of 2025, achieving simultaneous growth in both revenue and profit for the second consecutive financial quarter [1][2] - The bank's total assets reached RMB 719.738 billion, a year-on-year increase of 11.47%, with operating income of RMB 6.690 billion, up 4.64%, and net profit attributable to shareholders of RMB 1.627 billion, growing by 2.1% [1] Financial Performance - As of June 30, 2025, Zhengzhou Bank's total deposits amounted to RMB 446.662 billion, an increase of RMB 60.3 billion or 15.61% year-on-year, outpacing the provincial growth rate by 6.41 percentage points [1] - Personal deposits saw significant growth, reaching RMB 258.098 billion, up RMB 39.918 billion from the end of the previous year, marking an 18.3% increase, positioning the bank among the leaders in the domestic city commercial bank sector [1] Investment and Revenue Growth - Despite a narrowing net interest margin, the bank optimized its investment portfolio, achieving investment income of RMB 1.229 billion, a remarkable year-on-year growth of 111.10% [2] - The bank's retail business revenue reached RMB 1.236 billion, the highest for the same period, reflecting a 3.56% increase compared to the previous year [2] Retail Strategy and Services - Zhengzhou Bank has successfully deepened its retail transformation strategy, focusing on citizen and rural finance, and has developed four key service areas: "Citizen Manager," "Financing Manager," "Wealth Manager," and "Rural Manager" [2] - The bank's inclusive finance initiatives are evident, with a balance of inclusive micro-loans reaching RMB 52.578 billion and a customer base of 70,839 clients with outstanding loans [2]

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]

Core Viewpoint - Zhengzhou Bank has successfully reversed its negative profit trend over the past three years, achieving a net profit growth in 2024, supported by steady credit business expansion and ongoing business transformation [1][2]. Group 1: Financial Performance - In 2024, Zhengzhou Bank reported a net profit of 1.876 billion yuan, marking a year-on-year increase of 1.39%, thus reversing the negative profit trend of the previous three years [2]. - The total deposits of Zhengzhou Bank exceeded 400 billion yuan for the first time, with a net increase of 43.577 billion yuan in deposits, surpassing the total increase of the previous two years [3]. - The bank's total assets reached 676.365 billion yuan, growing by 7.24% year-on-year, while the loan and advance total amounted to 387.690 billion yuan, reflecting a growth of 7.51% [4]. Group 2: Deposit and Loan Growth - Zhengzhou Bank's deposit growth rate was 12.07%, which is 3.26 percentage points higher than the average growth rate of financial institutions in the province [3][4]. - The bank's personal deposit balance reached 218.179 billion yuan, accounting for approximately 54% of total deposits, indicating a successful retail strategy transformation [2]. Group 3: Risk Management and Asset Quality - The non-performing loan ratio of Zhengzhou Bank was 1.79%, a decrease of 0.08 percentage points from the beginning of the year, while the provision coverage ratio stood at 182.99%, indicating enhanced risk resistance capabilities [5]. - The bank's liquidity improved through the sale of 15 billion yuan in credit assets, which also contributed to reducing asset losses [5]. Group 4: Strategic Initiatives - Zhengzhou Bank has implemented a "three services" strategy focusing on serving local economies, small and medium-sized enterprises, and urban and rural residents [5]. - The bank has launched various financial products tailored for technology enterprises, including "R&D loans" and "investment-loan linkage" business models, to support innovation and development in the technology sector [6]. - Strategic partnerships with Huawei and Zhenghao Credit Service have been established to enhance digital transformation and innovation in financial services [6].