Zhengzhou Bank: Steadily Improving Operating Quality and Efficiency by 2025, Scaling New Heights in Its Strength and Size

On the evening of March 30, Zhengzhou Bank released its 2025 annual report. In 2025, Zhengzhou Bank adhered to its market positioning of “serving local economic development, serving small and medium-sized enterprises, and serving urban and rural residents,” continuously shaped competitive advantages characterized by specialization, differentiation, and professionalism, and steadily improved the effectiveness of financial services for the real economy. While achieving steady growth in scale, it also maintained an overall trend of continuously improving operating efficiency and asset quality.

Double enhancement in scale and efficiency

Operating indicators made steady progress

As of the end of 2025, the total assets of Zhengzhou Bank were RMB 743.674 billion, an increase of RMB 67.309 billion from the beginning of the year, representing a year-on-year growth rate of 9.95%. Its growth rate hit the highest level since 2018, demonstrating sustained capability for endogenous growth. Meanwhile, credit deployment maintained a positive momentum: the total loan balance increased to RMB 410.264 billion, up 5.82%, strongly supporting financing needs of the real economy.

Profitability remained stable. Faced with industry-wide challenges such as a narrowing net interest margin, Zhengzhou Bank maintained stable profitability through refined management and structural optimization. In 2025, Zhengzhou Bank achieved operating income of RMB 12.921 billion, up 0.34% year over year; net profit was RMB 1.909 billion, up 2.44% year over year. Overall operating income remained steady and improved.

The risk-control barrier was solid and reliable. In terms of asset quality, the non-performing loan ratio of Zhengzhou Bank fell to 1.71%, continuing its downward trend for three consecutive years; the provision coverage ratio increased to 185.81%, further strengthening its risk mitigation capacity and enabling high-quality, sustainable growth. As of the end of 2025, Zhengzhou Bank’s liquidity ratio was 94.27%, its liquidity coverage ratio was 226.73%, and its net stable funding ratio was 123.16%. Key regulatory indicators met regulatory requirements.

Deeply developing the five major articles of finance

Accurate empowerment of the real economy

In terms of technology finance, in 2025, Zhengzhou Bank newly established four technology-themed branch outlets across the entire bank, deepening coordinated collaboration with research institutions in the province. Upholding the理念 of investing early, investing small, investing long-term, and investing in hard technology, it precisely empowered the real economy. As of the end of 2025, the balance of technology loans was RMB 33.237 billion, up 25.57% from the beginning of the year.

In terms of green finance, it implemented the first batch of 2 green-themed branch outlets and opened dedicated green approval channels, while placing separate dedicated credit quotas. It guided financial resources in a well-ordered manner to focus on green and low-carbon industry tracks.

In terms of inclusive finance, it continued to build an inclusive credit product system integrating the entire life cycle and multiple scenarios, with supporting special credit quotas and differentiated interest rate benefits, effectively enhancing the availability, coverage, and convenience of inclusive finance services. As of the end of 2025, the balance of inclusive small and micro loans was RMB 57.326 billion, up 6.78% from the beginning of the year.

In terms of pension finance, first, it increased support for industry-chain entities such as the construction of pension infrastructure and senior healthcare services. Second, it promoted standardization and quality upgrades of offline age-friendly service delivery, meeting the specialized and diversified financial needs of older groups in an all-round way.

In terms of digital finance, it continued to uphold technology empowerment across the overall business landscape, coordinating and advancing the digital and intelligent upgrade of business operations and management, and accelerating the rollout of a smart banking system. As of the end of 2025, the balance of loans for the digital economy was RMB 6.747 billion, up 27.78% from the beginning of the year.

Continuously upgrading the wealth brand

Enhancing the quality and efficiency of wealth management

First, it deepened the development of its product system, actively introduced well-qualified agencies for distribution and cooperation, enriched the product matrix. During the reporting period, it newly introduced 675 distributable products, further optimizing the product structure and expanding the range of choices. By focusing on the needs of segmented customer groups, it iterated and upgraded theme-based特色 products such as “county-based exclusive,” and proactively laid out diversified investment service tools such as “asset service trusts,” thereby precisely matching different customers’ asset allocation needs. At present, Zhengzhou Bank has built a full-spectrum product system covering cash management, pure fixed-income principal protection, “fixed income +,” hybrid strategies, equity investment, risk assurance, and more.

Second, it strengthened investment allocation capabilities. During the reporting period, Zhengzhou Bank continued to strengthen its investment research and analysis capabilities, deepened its assessment of the macro economy, market cycles, and asset rotation, and applied research findings to asset allocation strategy recommendations. It steadily advanced the capability building for investment advisory services; through regular market interpretations, analysis of major asset classes, investment strategy briefing sessions, and investor education activities, it guided customers to establish sound investment concepts.

Third, it forged an equity service system. Zhengzhou Bank continued to upgrade the equity segment of its wealth management brand’s system, providing value-added services that combine practicality with a sense of premium experience for customers, and continuously enhanced customers’ sense of gain from service. It strengthened full life-cycle services for wealth customers; leveraging digital tools, it accurately identified customer needs, efficiently advanced service outreach, improved product ongoing-period management mechanisms, and steadily increased customer satisfaction and brand loyalty.

As of the end of 2025, the scale of retail wealth-type financial assets of Zhengzhou Bank was RMB 57.252 billion, up 11.57% from the end of the previous year. Among agent-based wealth products, net fee and commission income of RMB 56.8456 million, up 86.11% year over year. Both the scale of wealth assets and income generation capability achieved rapid growth.

Looking ahead, Zhengzhou Bank will follow the guidance of “the first priority is customer experience externally; the first priority is improving efficiency internally,” with comprehensive deepening of reform as the main line. Relying on its own resource endowments, it will give full play to its comparative advantages, actively explore distinctive, differentiated, and professional financial service models, and continuously enhance the capability and level of financial services for the real economy. It will strive to achieve a healthy cycle of high-quality development for itself and high-quality development in serving local economic and social development.

CIS

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