Zhengzhou Bank 2025 Annual Report: Steady Improvement in Operating Quality and Efficiency, New Milestone in Scale and Strength

In recent days, Zhengzhou Bank released its 2025 operating performance, showing a strong momentum of regional banks maintaining steady progress and improving in both quality and efficiency. From its steadfast perseverance in expanding business布局, to the deepening of reforms for self-innovation, and then to its bold and enterprising push for digital transformation and high-quality development, Zhengzhou Bank (002936) has always moved in sync with the development of the Central Plains, writing a vivid chapter of Zhengyin in the journey of serving the real economy, practicing finance for the people, and advancing financial reform.

As of the end of 2025, the bank’s total assets stood at RMB 743.674 billion, an increase of 9.95%, with its growth rate reaching the highest level since 2018, demonstrating a sustained capacity for scale growth. Total loans were RMB 410.264 billion, up 5.82%, indicating a more proactive stance in credit deployment. During the year, operating income was RMB 12.921 billion, up 0.34%; net profit was RMB 1.909 billion, up 2.44%. Its net profit growth rate is significantly higher than its operating income growth rate.

Steady Operations: Asset Scale Grows Steadily　Core Data Continues to Improve

As a local corporate legal-person bank, Zhengzhou Bank has seen steadily growing asset scale in recent years, with operating performance continuing to rise and development resilience becoming apparent. Scale growth highlights stable development. As of the end of 2025, Zhengzhou Bank’s total assets climbed to RMB 743.674 billion, with an annual increment of RMB 67.3 billion, up 9.95%, the highest growth rate since 2018. In the first quarter of 2025, its asset scale exceeded RMB 700 billion; over the following three quarters, it maintained a steady growth momentum, demonstrating sustained internal growth capacity. Meanwhile, credit deployment remained active, with total loans increasing to RMB 410.264 billion, up 5.82%, strongly supporting financing needs of the real economy. Profitability remains stable. Faced with industry-wide challenges of narrowing net interest margins, Zhengzhou Bank maintained steady profitability through refined management and structural optimization. For 2025, operating income reached RMB 12.921 billion, up 0.34%; net profit reached RMB 1.909 billion, up 2.44%, and overall revenue remained stable and trending positively. Risk-control barriers are solid and reliable. In terms of asset quality, the non-performing loan ratio fell to 1.71%, maintaining a downward trend for three consecutive years; the allowance coverage ratio rose to 185.81%, further enhancing the bank’s risk compensation capacity. This indicates that while “growing in scale,” the bank firmly guards the “lifeline” of asset quality, achieving high-quality and sustainable growth. As of the end of 2025, Zhengzhou Bank’s liquidity ratio was 94.27%, the liquidity coverage ratio was 226.73%, and the net stable funding ratio was 123.16%. Key liquidity indicators were far above regulatory requirements, and liquidity risk was safe and controllable.

Advancing Business: Wealth Brand Keeps Upgrading　Business Scale Climbs in an Orderly Manner

Wealth management is booming and has become a “new track” that the banking industry is racing to develop. In wealth management, a bank’s product innovation, organizational capability, and sales capability collectively reflect the level of its market competitiveness. In 2025, Zhengzhou Bank’s wealth management business growth was impressive. The scale of retail wealth-related financial assets reached RMB 57.252 billion, up 11.57%; among commission-based wealth products, year-on-year growth was 86.11%. In terms of product offering, it adheres to “high-quality, diversified, and differentiated,” actively bringing in high-qualification agency cooperation institutions to enrich the product lineup. During the reporting period, it introduced 675 agency distribution 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-featured products such as “county-based exclusive” offerings, and actively deployed diversified investment service tools such as “asset service trusts,” precisely matching different customers’ asset allocation needs. At present, the bank has built a full-spectrum product system covering cash management, pure bond fixed-income, “fixed-income+,” hybrid strategies, equity investments, risk protection, and more—meeting customers’ diversified, multi-level wealth management needs across the board. In service experience, Zhengzhou Bank continues to upgrade its wealth brand rights-and-benefits system, providing customers with value-added services that are both practical and premium, continuously enhancing customers’ sense of gain from service. It strengthens wealth customers’ full lifecycle service, leverages digital tools for empowered capabilities, precisely identifies customer needs, and efficiently advances service outreach, improves product survival-period management mechanisms, steadily raises customer satisfaction and brand loyalty, and reinforces the foundation of customer service.

Rooted in the Local Area: Uphold the “Three Services” Role　Focus on “Five Major Articles”

Zhengzhou Bank upholds the original positioning of the “Three Services,” deeply cultivates the overall development of local real economy, and precisely focuses on delivering the financial service “Five Major Articles.”

In science and technology finance, the bank newly established 4 technology-themed sub-branches across the whole system, deepening coordinated collaboration with research institutions in the province. It adheres to the philosophy of investing early, investing small, investing for the long term, and investing in hard technology to precisely empower efforts. 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 green finance, it implemented the first batch of 2 green-themed sub-branches, opened dedicated green approval channels and set aside exclusive credit quotas, and guided financial resources to tilt in an orderly manner toward green and low-carbon industries. In inclusive finance, it continuously builds an all-lifecycle, multi-scenario integrated inclusive credit product system, with supporting special credit quotas and differentiated interest-rate preferences, effectively enhancing the accessibility, coverage, and convenience of inclusive finance services. As of the end of 2025, the balance of inclusive micro and small loans was RMB 57.326 billion, up 6.78% from the beginning of the year. In elderly care finance, first, it increases support for financial backing of industrial chain entities such as the development of elderly care infrastructure and senior medical and health service providers; second, it promotes offline age-friendly service standardization with quality upgrades, fully meeting the specialized and diversified financial needs of elderly groups. In digital finance, it persists in using technology to empower the overall business, coordinating and accelerating the digital and intelligent transformation of business operations and management, and speeding up the implementation 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.

Risk Control: Adhere to Preemptive Risk Prevention　Strengthen the Foundation for Steady Operations

Facing industry development challenges such as narrowing bank interest margins and pressure on asset quality, Zhengzhou Bank maintains a sound operating tone. With strengthening credit risk management as the key, it speeds up the disposal of low-efficiency assets. The non-performing loan ratio has achieved steady year-on-year improvement for three consecutive years, and its risk-absorption capability has been continuously reinforced. As of the end of 2025, the bank’s non-performing loan ratio was 1.71%, down 0.08 percentage points from the end of the previous year, and down 0.17 percentage points compared with the end of 2022.

While optimizing the earnings structure, it continues to strengthen the support of core businesses, with a marked enhancement in core business backing power. Net interest income, serving as the “stabilizer” of profitability, reached RMB 10.864 billion in 2025, up 4.82%, accounting for 84.08% of operating income, providing a solid and reliable income safeguard for operational stability. In the same period, investment income was RMB 1.923 billion, with steady and impressive performance, further enriching profit sources and improving earnings resilience. Cost reduction and efficiency improvement work has been carried out solidly, with operational quality and efficiency improving steadily. During the reporting period, the bank continuously and precisely optimized the allocation of financial resources, focusing on key segments of cost control to drive efforts. Business and management fees decreased by RMB 0.154 billion compared with the same period of the previous year, down 4.14% year-on-year. Through refined cost management and efficient resource allocation, it achieved the dual goals of “controlling costs and improving performance.”

Go Far with Steady Steps: Deepen Local Strength Through Integrity and Innovation　Chart a New Chapter of High-Quality Development

Chasing dreams across mountains and seas, step by step without stopping; the road ahead is long, yet we do not grow weary. Looking back at the key moment in the development of the times, Zhengzhou Bank has always breathed and shared destiny with the land of the capital city, moving in sync with the development of the province and cities. It has deeply rooted its own growth in the fertile soil of the Central Plains, and etched its development footprints into the era answer sheet of “the Central Plains looking even more brilliant.” This commitment to rooting in the local area and serving the local area is precisely its deep foundation and source of strength for crossing market cycles and achieving steady growth.

From the original aspiration along the banks of the Yellow River to the courageous advance at the forefront of the financial tide, over the years, no matter how the market has changed, Zhengzhou Bank has always kept in mind the fundamental mission of serving finance for the people and serving the real economy. It follows national and provincial/city development strategies, anchors the “1+2+4+N” and “1+7+7+7” goal frameworks set by the provincial and municipal Party committees, runs Party leadership throughout the entire process and every stage of corporate governance, and builds its development foundation with “Party building incorporated into the articles.” It deepens Party-business integration through “mutual entry,” strictly holds decision-making checkpoints through the “Three Major Matters, Two Sets of Wholly-Important Matters, and One Procedure,” ensuring that financial services move steadily along the correct political direction. Building on local endowments, it steadfastly advances along the path of differentiated and specialized operations and development, focusing deeply on key industries supported by the province and city such as electronic information, new energy and intelligent connected vehicles, advanced equipment, new materials, and biopharmaceuticals, and deeply integrates into the development of the regional modern industrial system and the overall effort to cultivate new quality productive forces. It adheres to precise policy implementation, deepens regional deployment, strengthens product innovation, and optimizes competitive strategies and customer targeting to build core development advantages. It continues to hone precise and efficient marketing capabilities, sensitive forward-looking market insight capabilities, and rigorous and prudent risk prevention and control capabilities, using professional strength to support steady business development. At the same time, with AI applications as the engine, it continues to optimize business processes and work efficiency, promoting the lightweight deployment of AI applications and deep integration across multiple scenarios involving “banks, governments, enterprises, and universities,” jointly building a mutually beneficial and win-win financial AI cooperation ecosystem. Relying on technology tools for support and strengthening digital enablement, it continuously improves the level of digital risk control and steadily forges irreplaceable core competitiveness.

With a long journey and strong winds, we set out anew for the heavy responsibilities. Looking ahead, Zhengzhou Bank will, with a never-saying-die enterprising spirit and a pragmatic and down-to-earth work style, always stay true to the original mission of “serving local economic development, serving small and medium-sized enterprises, and serving urban and rural residents.” It will deeply integrate into the overall effort of Henan’s “Six Strong Provinces” initiative, and with stronger drive, more practical measures, and better services, contribute more solid financial strength to accelerating the building of a modern Henan and writing a new chapter in the Central Plains’ even greater brilliance.

(Editor: Guo Jiandong)

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