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 ...

Core Viewpoint - Zhengzhou Bank has demonstrated strong performance in its mid-year report, achieving significant growth in both scale and quality, with multiple operational indicators breaking historical records [1][6]. Group 1: Asset Scale and Structure - As of June 30, 2023, Zhengzhou Bank's total assets reached 719.738 billion yuan, an increase of 43.373 billion yuan or 6.41% from the end of the previous year [4]. - The bank's loan and advance total exceeded 400 billion yuan, with a year-on-year increase of approximately 18.4 billion yuan, reflecting a growth rate of 4.75% [4]. - The non-performing loan ratio decreased by 0.11 percentage points to 1.76% compared to the same period last year, indicating improved asset quality [4][5]. Group 2: Revenue and Profit Growth - Zhengzhou Bank reported operating income of 6.690 billion yuan, a year-on-year increase of 4.64%, and a net profit attributable to shareholders of 1.627 billion yuan, up 2.1% from the previous year [6]. - Investment income reached 1.229 billion yuan, showing a remarkable growth of 111.10% year-on-year, marking the best performance for the same period since 2021 [6]. - The bank achieved a reduction in business and management expenses by 1.07 billion yuan, a decrease of 6.82%, effectively enhancing profitability [6]. Group 3: Retail Transformation - The retail business generated 1.236 billion yuan in revenue, a historical high with a year-on-year growth of 3.56% [9]. - Personal deposits surged to 258.1 billion yuan, an increase of nearly 40 billion yuan or 18.3% from the end of the previous year, positioning the bank among the top in domestic city commercial banks [9]. - Personal consumption loans reached 20.695 billion yuan, with a year-to-date increase of 3.55 billion yuan, reflecting a growth rate of 20.72% [10].

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]

Core Viewpoint - Zhengzhou Bank has demonstrated strong performance in its 2024 annual report, showcasing significant growth in assets, deposits, and loans, alongside a slight increase in net profit and a decrease in non-performing loans [1][2]. Financial Performance - As of the end of 2024, Zhengzhou Bank's total assets reached RMB 676.365 billion, a year-on-year increase of 7.24% - Total deposits amounted to RMB 404.538 billion, growing by 12.07% compared to the previous year - Total loans stood at RMB 387.690 billion, reflecting a growth of 7.51% - The bank achieved operating income of RMB 12.877 billion and net profit of RMB 1.863 billion, with a year-on-year growth of 0.21% [1]. Strategic Focus - The bank's operational strategy is summarized as "seeking progress while maintaining stability," emphasizing three key principles: returning to core business, innovating for transformation, and ensuring risk management [2]. - Zhengzhou Bank aims to integrate local advantages with its development direction, focusing on supporting local industries and enhancing financial services in key areas [2][3]. Loan Growth and Service Enhancement - Corporate loans, which constitute 69.37% of total loans, increased by RMB 15.483 billion, marking a growth of 6.11% - Personal loans grew by 8.09% to RMB 90.957 billion, with various loan types showing positive trends [3]. - Non-interest income surged by 30%, with other non-interest income reaching RMB 2.040 billion, a 51.28% increase year-on-year [3]. Innovation in Financial Services - Zhengzhou Bank has established a "six specialized" mechanism for technology finance, focusing on supporting technology enterprises with various tailored financial products [5]. - The bank's policy-oriented technology finance loans reached RMB 48.269 billion, growing by 44.50% from the previous year [5]. Rural and Community Support - The bank has actively supported rural revitalization, with agricultural loans totaling RMB 48.235 billion, an increase of 15.22% [6]. - Zhengzhou Bank has implemented various community engagement activities, enhancing financial services accessibility in rural areas [7]. Retail Banking Development - The bank has expanded its retail banking services, with core consumer loan products increasing by RMB 3.940 billion, a growth of 56.68% [9]. - The issuance of credit cards reached 825,800, an increase of 10.11% from the previous year [9]. Wealth Management - Wealth management assets totaled RMB 52.287 billion, reflecting a growth of 5.65% [10]. - The bank aims to enhance its wealth management services, focusing on personalized financial solutions for clients [10].