半年报显示，2025年上半年，郑州银行实现营业收入66.90亿元，同比增长4.64%；归属于本行股东的净利润16.27亿元，同比增长2.1%。投资收益表现突 出，凭借卓越的资产配置与市场把握能力，上半年郑州银行实现投资收益12.29亿元，创2021年以来同期最好表现。 零售业务收入创同期历史新高 截至2025年上半年末，郑州银行资产总额为7197.38亿元，较上年末增加433.73亿元，增幅6.41%。在一季度资产站上7000亿新台阶之后，郑州银行规模体量 稳步增长，上半年资产规模增加量已接近去年全年。 从2019年年末跨越5000亿元里程碑，再到2023年一季度末突破6000亿元，并于2025年一季度末成功跃上7000亿元新高度，清晰的增长轨迹充分彰显了郑州银 行强劲的发展韧性与活力。 作者：柳白 8月28日，郑州银行发布2025年半年度报告。作为根植河南的本土法人银行，该行始终坚守金融工作的政治性与人民性，以"服务地方经济、服务中小企业、 服务城乡居民"为宗旨，在上半年复杂多变的经济环境中实现规模与质效同步提升，连续第二个财报季营收与利润"双增长"，多项指标强势突破同期历史记 录，用扎实成果践行使命担当。 ...

Core Viewpoint - Zhengzhou Bank has demonstrated robust growth in both scale and efficiency, achieving consecutive revenue and profit increases over two financial reporting periods, while breaking multiple historical records in various metrics [1][7]. Group 1: Scale and Efficiency Growth - As of June 30, 2025, Zhengzhou Bank's total assets reached 719.738 billion yuan, an increase of 43.373 billion yuan, or 6.41%, compared to the end of the previous year, marking a historical peak since 2018 [1]. - The bank's loan and advance total reached 406.094 billion yuan, with a growth of 18.404 billion yuan, or 4.75% [1]. - The bank's deposit principal amounted to 446.662 billion yuan, an increase of 60.3 billion yuan, or 15.61%, significantly outpacing the provincial growth rate [3]. Group 2: Loan Structure and Retail Business - Corporate loan balance stood at 274.623 billion yuan, with a growth of 2.11%, while personal loan balance reached 94.556 billion yuan, increasing by 3.96% [2]. - Personal consumption loans exceeded 20.6 billion yuan, growing by 20.72%, addressing various consumer financing needs [2][5]. Group 3: Revenue and Cost Management - The bank achieved an 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% [3]. - Investment income surged to 1.229 billion yuan, a staggering increase of 111.1%, marking the best performance since 2021 [3]. - The bank reduced business and management expenses to 1.468 billion yuan, a decrease of 1.07 billion yuan, or 6.82%, through refined management practices [3]. Group 4: Retail Business Transformation and Risk Control - Retail business revenue reached 1.236 billion yuan, a year-on-year increase of 3.56%, with a focus on small and micro enterprises [5]. - The non-performing loan balance was 7.165 billion yuan, with a non-performing loan ratio of 1.76%, reflecting a continuous decline [6]. - The bank's capital adequacy ratio stood at 11.85%, with a core tier 1 capital ratio of 8.60%, indicating solid capital support for future business expansion [6]. Group 5: Conclusion - Zhengzhou Bank's performance reflects its commitment to serving the local economy and adapting to complex environments, showcasing a model for local banks to achieve quality growth [7].

Core Viewpoint - Zhengzhou Bank has achieved "double growth" in revenue and profit, alongside improved asset quality, with a non-performing loan ratio of 1.76%, down 0.11 percentage points year-on-year, and a provision coverage ratio of 179.20% [1][7] Financial Performance - As of June 30, 2025, Zhengzhou Bank's total assets reached 719.738 billion yuan, an increase of 43.373 billion yuan, or 6.41%, compared to the end of the previous year [1][2] - The bank's operating income for the reporting period was 6.690 billion yuan, a year-on-year increase of 4.64%, while net profit attributable to shareholders was 1.627 billion yuan, up 2.1% [2][3] Loan and Credit Growth - By the end of June, the total amount of loans and advances issued by Zhengzhou Bank was 406.094 billion yuan, an increase of 18.404 billion yuan, or 4.75%, from the end of the previous year [2] - The bank's corporate loan balance was 274.623 billion yuan, up 2.11%, while personal loan balance reached 94.556 billion yuan, increasing by 3.96% [2] Retail Transformation - Zhengzhou Bank's retail business generated 1.236 billion yuan in revenue, marking a historical high for the same period, with a year-on-year growth of 3.56% [5] - Personal deposit balance surged to 258.098 billion yuan, an increase of 39.918 billion yuan, or 18.3%, reflecting strong growth in retail banking [5][6] Asset Quality and Risk Management - The bank's non-performing loan balance was 7.165 billion yuan, with a non-performing loan ratio of 1.76%, continuing a three-year decline [7] - The provision coverage ratio stood at 179.20%, with capital adequacy ratios maintained at stable levels, including a capital adequacy ratio of 11.85% and a core tier 1 capital ratio of 8.60% [7] Future Outlook - Zhengzhou Bank aims to leverage its strategic layout and development advantages to create long-term value amidst uncertainties [8]

资产规模突破7100亿元 金融细雨浸润实体民生 文/王仲琦 8月28日晚间，郑州银行发布2025年半年度报告，截至2025年6月末，该行资产总额7197.38亿元，同比 增长11.47%；实现营业收入66.90亿元，同比增长4.64%；净利润16.27亿元，同比增长2.1%。 值得注意的是，这家根植河南的本土法人银行核心指标表现亮眼，不仅营收与利润连续第二个财报 季"双增长"，零售业务收入、个人消费贷余额等多项指标还强势突破同期历史记录。截至2025年6月 末，该行个人消费贷不良率仅0.67%，在已披露相关指标的上市城商行中处于最优水平。 在信贷需求疲弱、净息差收窄的行业背景下，郑州银行上述成绩来之不易。该行实现规模与质效同步提 升有何"密码"？不妨从2025年半年报中探寻答案。 聚焦政策性科创金融战略，打造金融惠科"郑银样本"。作为河南省政策性科创金融业务的运营主体，郑 州银行持续优化组织管理机制，围绕"低利率、长周期、弱担保"的政策性要求，丰富服务科创企业全生 命周期产品体系。聚焦政银协同推进、科创名单支持、风险分担等机制建设，着力打通科创金融生态链 条，激发支持科创企业发展的内生动力。截至6月末，该行政 ...

Core Viewpoint - Zhengzhou Bank demonstrates resilience and high-quality development amidst a complex economic environment, achieving growth in both revenue and profit for the second consecutive reporting season [1][2]. Financial Performance - As of June 30, 2025, Zhengzhou Bank's total assets reached 719.738 billion yuan, a 6.41% increase from the previous year [1]. - The bank reported a non-performing loan (NPL) ratio of 1.76%, down 0.11 percentage points year-on-year [1]. - Operating income for the first half of 2025 was 6.690 billion yuan, a 4.64% increase year-on-year, while net profit attributable to shareholders was 1.627 billion yuan, up 2.1% [1]. Business Segments - Company banking business generated 3.546 billion yuan in revenue, remaining the core business pillar, while retail banking revenue reached 1.236 billion yuan, marking a 3.56% increase year-on-year [2]. - The bank's funding business saw a significant revenue increase of 26.62%, totaling 1.895 billion yuan [2]. Retail Transformation - Zhengzhou Bank has implemented a customer-centric approach, launching four key service models: "Citizen Manager," "Financing Manager," "Wealth Manager," and "Rural Manager" to enhance retail business [3]. - As of June 30, 2025, the balance of inclusive micro-loans reached 52.578 billion yuan, serving over 70,800 clients [3]. - Personal deposits increased by 39.918 billion yuan to 258.098 billion yuan, reflecting an 18.3% growth [3]. Risk Management - The bank maintains a low NPL ratio of 0.67% for personal consumption loans, significantly below the industry average, showcasing effective risk management [4]. - As of June 30, 2025, the NPL balance was 7.165 billion yuan, with a coverage ratio of 179.20% and a capital adequacy ratio of 11.85% [9][10]. Strategic Focus - Zhengzhou Bank emphasizes supporting local economic development, aligning with national policies to enhance consumption and investment in key sectors [6][7]. - The bank has actively engaged in financing major projects and supporting industries such as technology innovation and green development [7][8]. Future Outlook - Looking ahead, Zhengzhou Bank aims to deepen reforms and innovations, focusing on high-quality development and enhancing its service capabilities to contribute to regional economic growth [10].

Core Viewpoint - Zhengzhou Bank has demonstrated strong performance in the first half of 2025, achieving simultaneous growth in both revenue and profit, reflecting its commitment to serving the local economy and small enterprises [1][8]. Group 1: Financial Performance - As of June 30, 2025, Zhengzhou Bank's total assets reached 719.738 billion yuan, a year-on-year increase of 11.47% [1]. - The bank's operating income for the first half of 2025 was 6.690 billion yuan, up 4.64% year-on-year, while net profit attributable to shareholders was 1.627 billion yuan, reflecting a 2.1% increase [1]. - The bank's asset scale has shown steady growth, crossing the 700 billion yuan mark in the first quarter of 2025, with a significant increase in asset growth rate compared to previous years [2][3]. Group 2: Loan and Credit Management - By the end of June 2025, the total amount of loans and advances issued by Zhengzhou Bank was 406.094 billion yuan, an increase of 18.404 billion yuan, representing a growth of 4.75% [3]. - The bank's corporate loans amounted to 274.623 billion yuan, with a year-on-year increase of 2.11%, while personal loans reached 94.556 billion yuan, up 3.96% [3]. Group 3: Operational Efficiency - Zhengzhou Bank achieved an investment income of 1.229 billion yuan, a remarkable year-on-year growth 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, showcasing effective cost management [4]. Group 4: Risk Management - 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 management capabilities [5]. Group 5: Retail Banking Development - Zhengzhou Bank's retail banking segment generated an income of 1.236 billion yuan, marking a year-on-year increase of 3.56% [6][7]. - 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]. - The bank's personal consumption loan balance reached 20.695 billion yuan, with a growth rate of 20.72%, while maintaining a low non-performing loan ratio of 0.67% [7].

Core Viewpoint - Zhengzhou Bank demonstrated strong growth in both assets and profitability in the first half of 2025, achieving a total asset of 719.738 billion yuan, a year-on-year increase of 11.47%, along with continuous growth in operating income and net profit [1][2]. Group 1: Scale and Efficiency - As of mid-2025, Zhengzhou Bank's total assets reached 719.738 billion yuan, an increase of 43.373 billion yuan from the end of the previous year, marking a growth rate of 6.41% [2]. - The year-on-year growth rate of 11.47% is the highest since 2018, indicating a significant acceleration in the bank's growth trajectory [2]. - The bank's operating income for the first half of 2025 was 6.690 billion yuan, a year-on-year increase of 4.64%, while net profit reached 1.627 billion yuan, up 2.10% [1][3]. Group 2: Strategic Transformation and Business Optimization - Zhengzhou Bank's retail business revenue reached 1.236 billion yuan in the first half of 2025, a year-on-year increase of 3.56%, reflecting successful retail transformation efforts [4]. - Personal deposits surged to 258.098 billion yuan, an increase of 39.918 billion yuan from the end of the previous year, with a growth rate of 18.3% [4]. - The bank's total loans and advances amounted to 406.094 billion yuan, an increase of 18.404 billion yuan, with personal consumption loans reaching 20.695 billion yuan, up 20.72% [5][6]. Group 3: Asset Quality and Risk Management - As of June 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 year-on-year [7]. - The bank's provision coverage ratio stood at 179.20%, with capital adequacy ratios meeting regulatory requirements, indicating strong risk resilience [7].

Core Viewpoint - Zhengzhou Bank has demonstrated strong performance in the first half of 2025, achieving simultaneous growth in both revenue and profit, amidst a complex economic environment [1][3]. Financial Performance - The bank reported operating income of 6.69 billion yuan, an increase of 4.64% year-on-year, and a net profit attributable to shareholders of 1.63 billion yuan, up 2.1% year-on-year [3]. - This marks the second consecutive quarter of year-on-year growth in both operating income and net profit, indicating a stable and sustainable growth trajectory for the bank's profitability [3]. Asset Growth - As of the end of June 2025, Zhengzhou Bank's total assets reached 719.74 billion yuan, an increase of 43.37 billion yuan from the end of the previous year [5]. - The bank's asset growth has accelerated, with the latest "billion" growth cycle taking only two years, compared to three years previously, reflecting the bank's robust capacity to support regional economic development [5]. Loan and Deposit Performance - The total amount of loans and advances issued by Zhengzhou Bank reached 406.09 billion yuan, an increase of 18.40 billion yuan, or 4.75%, from the end of the previous year [6]. - Personal deposits grew significantly, with a balance of 258.10 billion yuan, an increase of 39.92 billion yuan, or 18.3%, positioning the bank among the top performers in the domestic city commercial bank sector [8]. Risk Management - As of June 2025, the non-performing loan balance stood at 7.17 billion yuan, with a non-performing loan ratio of 1.76%, down 0.11 percentage points year-on-year, indicating stable asset quality [10]. - The bank's provision coverage ratio was 179.20%, and its capital adequacy ratio was 11.85%, demonstrating strong risk management capabilities and compliance with regulatory requirements [10].

2025上半年郑州银行多项指标强势突破同期历史纪录。资产总额同比增幅达11.47%，增速创下自2018 年同期以来最高；个人存款余额、增速双双创下历史新高，截至6月末个人存款余额达2580.98亿元，同 比增长29.35%；上半年实现投资收益12.29亿元，创2021年以来同期最好表现。 规模稳步增长 金融活水更精准流向经济关键领域 8月28日晚间，郑州银行发布2025年半年度报告。作为根植河南的本土法人银行，郑州银行以"服务地方 经济、服务中小企业、服务城乡居民"为宗旨，上半年实现规模与质效同步提升，连续第二个财报季营 收与利润"双增长"。 截至2025年6月末，郑州银行资产总额7197.38亿元，同比增长11.47%；实现营业收入66.90亿元，同比 增长4.64%；归属于本行股东的净利润16.27亿元，同比增长2.1%。 郑州银行始终将风险防控放在重要位置，不断强化信用风险管理，加快不良资产处置。截至6月末，郑 州银行不良贷款余额为71.65亿元，不良贷款率为1.76%，较上年同期下降0.11个百分点。资产质量保持 稳定，不良率数年来持续下降。 截至6月末，郑州银行拨备覆盖率为179.20%；资本充足率 ...

Core Viewpoint - Zhengzhou Bank has achieved simultaneous growth in scale and quality, with revenue and profit increasing for the second consecutive financial quarter, reflecting its commitment to serving the local economy and small and medium-sized enterprises [2][4]. Group 1: Steady Growth in Scale - As of June 30, 2025, Zhengzhou Bank's total assets reached 719.738 billion yuan, a year-on-year increase of 11.47%, marking the highest growth rate since 2018 [2][4]. - The bank's loan and advance total reached 406.094 billion yuan, with a year-on-year increase of 4.75%, driven by both corporate and retail lending [4]. Group 2: Continuous Improvement in Efficiency - Zhengzhou Bank's investment income reached 1.229 billion yuan, a year-on-year increase of 111.10%, indicating successful diversification in its business operations [6]. - The bank reduced its business and management expenses to 1.468 billion yuan, a decrease of 6.82% year-on-year, achieved through various efficiency-enhancing measures [6]. Group 3: Effective Risk Management - 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 [8]. - The bank's provision coverage ratio stood at 179.20%, demonstrating strong risk resistance capabilities [8]. Group 4: Retail Business Development - Zhengzhou Bank's retail business generated 1.236 billion yuan in revenue, a historical high with a year-on-year growth of 3.56% [10]. - Personal deposit balances reached 258.098 billion yuan, with an increase of 39.918 billion yuan, reflecting an 18.3% growth rate [10].