近日，郑州银行（002936）发布2025年半年度报告，作为扎根河南的本土法人银行，其上半年经营成绩 在复杂经济环境中格外亮眼。 数据显示，该行资产总额突破7197亿元大关，同比增长11.47%，增速创2018年同期以来新高；营业收 入66.90亿元、归属于股东净利润16.27亿元，连续第二个财报季实现"双增长"。更值得关注的是，个人 存款余额猛增399亿元、零售业务收入首破12亿元、投资收益同比激增111%等多项指标刷新纪录，勾勒 出地方银行服务实体经济的强劲韧性。 这份成绩单的背后，是郑州银行始终坚守"服务地方经济、服务中小企业、服务城乡居民"的宗旨，将自 身发展深度融入区域经济大局的实践成果。从2019年末总资产跨越5000亿元，到2023年一季度突破6000 亿元，再到2025年一季度站上7000亿元新台阶，该行"千亿增长周期"从三年缩短至两年，不仅刷新 了"郑银速度"，更以金融"活水"精准灌溉实体经济关键领域，用扎实业绩践行金融工作的政治性与人民 性。资产规模跨上新台阶：超7100亿元背后的区域金融担当 截至2025年6月末，郑州银行资产总额达7197.38亿元，较上年末增加433.73亿元，增幅6 ...

面对纷繁复杂的国内外经济金融形势，郑州银行（002936）稳扎稳打，日前交出了一份"量质齐升"的中报答卷，多项经营指标强势突破历史记录。上半 年，在规模增长再攀高峰的同时，郑州银行的业务结构持续优化，营收与利润延续"双增"，且资产质量进一步夯实。与此同时，该行零售转型成效日益凸 显，客户价值创造能力实现新跨越。 在当前银行业净息差持续收窄的背景下，郑州银行展现出了强大的经营韧性，上半年该行盈利能力延续良好趋势，实现营业收入66.90亿元，较上年同期 增幅4.64%，实现归属于本行股东的净利润16.27亿元，较上年同期增幅2.1%。 进一步细看，资金业务成为该行重要的利润增长极。凭借卓越的资产配置与市场把握能力，截至6月末，郑州银行实现投资收益12.29亿元，同比增长 111.10%，创下2021年以来同期最好表现，成为非息收入的重要贡献板块，这也是该行在业务多元化发展探索上的显著成效。 值得一提的是，这已是郑州银行本年度连续第二个财报季达成营业收入与归属于股东净利润的同比"双增长"，这背后除了业务持续拓展的推动，也离不开 该行一以贯之的精细化管理理念与实践。 根植郑州、深耕河南，郑州银行始终坚守"服务地方经济 ...

Core Insights - Zhengzhou Bank reported a total asset of 719.738 billion yuan as of June 30, 2025, representing a year-on-year growth of 11.47% [1] - The bank achieved an operating income of 6.690 billion yuan, up 4.64% year-on-year, and a net profit attributable to shareholders of 1.627 billion yuan, reflecting a 2.1% increase [1] Group 1: Steady Growth and Regional Impact - Zhengzhou Bank has become a core financial force supporting regional development, with total assets surpassing 500 billion yuan in 2019, 600 billion yuan in Q1 2023, and reaching 700 billion yuan in Q1 2025 [2] - The bank's asset growth cycle has shortened significantly, achieving a "billion" growth in just two years, demonstrating its rapid development pace [2][3] Group 2: Credit and Financing Strategy - As of June 30, 2025, Zhengzhou Bank's total loans and advances amounted to 406.094 billion yuan, an increase of 18.404 billion yuan, or 4.75% from the previous year [3] - The bank's loan structure shows a dual-driven model with corporate loans at 274.623 billion yuan (up 2.11%) and personal loans at 94.556 billion yuan (up 3.96%) [3] Group 3: Operational Efficiency and Profitability - Zhengzhou Bank's investment income reached 1.229 billion yuan, a significant increase of 111.10%, despite a narrowing net interest margin [4] - The bank reduced its business and management expenses to 1.468 billion yuan, a decrease of 1.07 billion yuan or 6.82% year-on-year, reflecting effective cost management [4] Group 4: Risk Management and Asset Quality - 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 [5] - The bank's provision coverage ratio stood at 179.20%, with a capital adequacy ratio of 11.85%, indicating strong risk resilience [5] Group 5: Retail Banking Development - Zhengzhou Bank's retail banking segment generated an income of 1.236 billion yuan, marking a historical high with a year-on-year growth of 3.56% [6] - Personal deposits surged to 258.098 billion yuan, an increase of 39.918 billion yuan or 18.3%, enhancing the bank's liability structure [7] - Personal consumption loans reached 20.695 billion yuan, up 3.55 billion yuan or 20.72%, with a non-performing loan ratio of 0.67%, significantly lower than the industry average [7]