Bank of Zhengzhou Co., Ltd.
郑州银行
002936
Shenzhen Stock Exchange
Company Profile
Clear strategic objectives and distinctive business characteristics. The Bank has always adhered to the market positioning of “serving local economy, serving small and medium enterprises and serving urban and rural residents” and continuously promotes the characteristic business development. Upholding the philosophy of innovative development, the Bank steadily promotes business transformation, and initiatively thinks about, seeks and mulls changes, and consolidates the foundations of high-quality development to better fulfill the mission of serving real economy. Sound regional economic development bringing important development opportunities. As a local legal person bank, the Bank has been rooted in Henan, especially Zhengzhou, and always strives to achieve a close integration with the local economy for common development. With the improvement in the quality and efficiency of economic development in Henan and the launching of various national strategic plans and platforms in recent years, the strategic position and comprehensive competitive advantages of Henan have become increasingly prominent. Zhengzhou, the provincial capital, enjoys various regional advantages such as an important national transportation hub and a national central city, and boasts strong development potential. The bright regional development prospects have provided important policy and historical opportunities for the high-quality development of the Bank. Enhancing technological financial service capabilities to precisely empower technology enterprises. The Bank has actively responded to Henan’s strategic deployment to build a national innovation hub, fully advanced the “Big Picture of Technology Finance”, and continuously guided financial resources toward the science and technology innovation sector. Through measures such as strengthening top-level planning, establishing technology-specialised branches, building composite professional teams, innovating financial products, and constructing an innovation ecosystem, the Bank has continuously enhanced its comprehensive science and technology finance service capabilities, promoted the quality and efficiency of enterprise technological innovation, and injected new momentum into the province-wide industrial transformation and upgrade and high-quality economic development. Managing compliance risks carefully to ensure sound operations. The Bank has set the base line of “compliance-based development”, created a good atmosphere for “compliance-based operations and sound development”, and continuously improved internal control and compliance management. In particular, the Bank regularly reviews relevant measures and compliance issues, and inspects all aspects of operational and managerial activities from the beginning to the end, thus consolidating the foundation for internal control and compliance; promotes employee behaviour management, and implements swindle prevention and control responsibilities at all levels to develop an inclination for proactive compliance; strengthens employees’ compliance awareness and compliance skills education to build the cornerstone of compliance-based development and promote the healthy development of various business lines; continuously strengthens the construction of the three lines of defense, increases accountability for violations, and eliminates hidden risks in a timely manner. Cultivating a strong leadership team and optimizing the leadership and support of talents. To address the shortage of personnel in business and management roles, the Bank actively seeks to attract top-tier talent and professionals under a flexible recruitment mechanism, and employs various methods to identify and select outstanding leader candidates who demonstrate strong political integrity and significant contributions. Moreover, the Bank is committed to reforming its leadership structure comprehensively by prioritizing loyalty, integrity, and accountability in its hiring practices. It focuses on improving its business training systems and developing a learning- empowered and expert workforce to ensure professional and dedicated services for its customers. Creating a corporate culture and adhering to the corporate vision. By embracing the values of professionalism, dedication, diligence, entrepreneurship, and business acumen, the Bank has enhanced the professional capabilities of its employees across the board. In its pursuit of excellence, the Bank has fostered a meticulous, rigorous, and detail-oriented mindset, encouraging all employees to embody the “spirit of craftsmanship”. Its goal is to cultivate an iron army marked by unwavering faith, steadfast commitment, and strict discipline, ensuring that its team remains politically engaged, resolute, and highly skilled.
Full description
As at the end of 2025, the Bank had total assets of RMB743,674 million, representing an increase of 9.95% from the end of the previous year; gross principal of deposits from customers of RMB463,075 million, representing an increase of 14.47% from the end of the previous year; and gross loans and advance principals to customers of RMB410,264 million, representing an increase of 5.82% from the end of the previous year. During 2025, the Bank recorded an operating income of RMB12,921 million, representing a year-on-year increase of 0.34%; a net profit of RMB1,909 million, representing a year-on-year increase of 2.44%, a net interest margin of 1.61% and a cost-to-income ratio of 27.67%. The Bank’s capital adequacy ratio, NPL ratio and allowance to NPL ratio were 11.71%, 1.71% and 185.81% respectively, major regulatory indicators meeting the regulatory requirements. Bank of Zhengzhou continuously strengthens Party leadership, using high-quality Party building to drive high-quality development. Adhering to top-tier city commercial banks as benchmarks, implementing first-class work standards, and achieving breakthrough performance as milestones, the Bank accelerates the transformation of its management models and operational mechanisms, thereby enhancing overall operational efficiency and effectiveness. Focusing on key industrial chains and clusters in advanced manufacturing, as well as provincial and municipal “Three Batches” key projects, the Bank innovates financial products, optimizes financial services, and increases capital supply. It spares no effort in supporting industrial transformation and upgrading, project development, inclusive finance for small and micro enterprises, and social welfare initiatives. By channeling “financial resources” to nurture the fertile ground for high-quality development, Bank of Zhengzhou demonstrates the responsibility and commitment of a local financial institution.