Zhengzhou Bank to achieve a net profit of 1.909 billion yuan in 2025, a year-on-year increase of 2.44%

Source: Shanghai Securities News · China Securities Network

China Securities Network reported from Shanghai Securities News (Reporter Ma Min) On March 30, the 2025 annual report released by Zhengzhou Bank showed that the bank achieved a net profit of 1.909 billion yuan in 2025, a year-on-year increase of 2.44%; and achieved operating revenue of 12.921 billion yuan, a year-on-year increase of 0.34%.

As of the end of 2025, Zhengzhou Bank (Group) had total assets of 743.674 billion yuan, up 9.95% from the beginning of the year; total loans were 410.264 billion yuan, up 5.82% from the beginning of the year; and total deposits were 463.075 billion yuan, up 14.47% from the beginning of the year.

In terms of asset quality, the non-performing loan ratio was 1.71%, down 0.08 percentage points from the beginning of the year; the provision coverage ratio was 185.81%, up 2.82 percentage points from the beginning of the year.

According to the profit distribution plan examined and approved by Zhengzhou Bank’s board of directors, it is proposed not to make cash dividends, not to issue bonus shares, and not to convert capital public reserve into share capital.

In its announcement, Zhengzhou Bank stated that the 2025 profit distribution plan mainly took into account the following factors: first, the bank is currently in a critical stage of deepening reforms and reshaping its operations, and retaining undistributed profits is conducive to strengthening the funding base for high-quality development and further enhancing its risk-resilience capacity, thereby providing strong support for stable operations. Second, under the backdrop of increasingly strict financial regulation and strengthened capital constraints, replenishing capital internally through profit retention is the main effective way to ensure an adequate capital level. The bank’s retained undistributed profits will be used to supplement core tier-one capital, improve its capital adequacy level, support the bank’s sustainable development, and help safeguard investors’ long-term interests.

This profit distribution plan will be submitted to Zhengzhou Bank’s shareholders’ meeting for approval. Zhengzhou Bank’s shareholders’ meeting will adopt a combination of on-site voting and online voting to provide convenience for small and medium shareholders to participate in decision-making.

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