Steady steering and rowing forward through the waves, balancing quality and efficiency to start a new journey — Zhengzhou Bank's 2025 high-quality development record

(Source: Meicai.com)

Recently, Zhengzhou Bank officially released its 2025 operating performance. During the reporting period, Zhengzhou Bank focused on serving the local economy, adhering to the main line of regional development, and maintained a dual-driven approach of prudent management and reform innovation. The bank achieved steady improvements in asset size, profitability, asset quality, and business transformation, showing a good development trend of “steady progress with quality enhancement.” As a legal person bank rooted in the Central Plains and serving the local community, Zhengzhou Bank has always resonated with regional development, writing the “Zhengyin Model” of high-quality regional bank development with solid operational results and continuous reform momentum.

Scale growth reached a recent high

In 2025, Zhengzhou Bank’s asset size achieved a breakthrough growth, with continuous release of development momentum. By the end of the year, the total assets reached 743.67B yuan, an increase of 9.95% over the previous year, with an annual asset increase of 67.3 billion yuan, setting a new high since 2018. The bank’s asset size first surpassed 700 billion yuan in the first quarter, then maintained steady growth in the following three quarters, with endogenous growth drivers continuously strengthening, laying a solid foundation for various business developments.

Loan issuance remained active and orderly, precisely matching the financing needs of the real economy. By the end of the year, total loans amounted to 410.26B yuan, an increase of 5.82% over the previous year. Credit resources were mainly directed toward key regional industries, small and micro enterprises, and people’s livelihood consumption, achieving coordinated growth of scale and service to the real economy. The liability side performed especially well, with total deposits absorbed reaching 463.08B yuan, an increase of 58.54B yuan, or 14.47%, maintaining double-digit growth. Personal deposits stood at 271.85B yuan, a year-on-year increase of 24.60%. Resident customers’ trust continued to rise, and the liability structure became more stable, providing sufficient and low-cost funds for credit issuance and business operations.

Operating benefits remained stable, with profitability resilience highlighted amid industry challenges. The full year’s operating income reached 12.92B yuan, a slight increase of 0.34%; net profit was 1.91B yuan, up 2.44%. The net profit growth rate was significantly higher than that of operating income, demonstrating strong cost control and profit optimization capabilities. Facing the common pressure of narrowing net interest margins in the banking industry, Zhengzhou Bank effectively smoothed profit fluctuations through asset-liability structure optimization, refined management empowerment, and expansion of non-interest income, achieving steady and improving operating performance.

Risk prevention and control were precise and effective

Robust risk management capability is the core guarantee for commercial banks to navigate cycles and achieve long-term stability. In 2025, Zhengzhou Bank adhered to the concept of front-end risk prevention, continuously strengthened full-process credit risk management, accelerated disposal of low-efficiency assets, and improved asset quality for three consecutive years. The non-performing loan ratio at year-end fell to 1.71%, down 0.08 percentage points from the previous year-end, and down 0.17 percentage points from 2022, showing a clear trend of risk convergence.

The bank’s risk buffering capacity also increased, with the provision coverage ratio rising to 185.81%, continuously strengthening risk cushions and balancing scale growth with quality improvement. Liquidity safety margins were ample, with liquidity ratio at 94.27%, liquidity coverage ratio at 226.73%, and net stable funding ratio at 123.16%. All major liquidity indicators significantly exceeded regulatory standards, with overall liquidity risk under control, providing a solid safety barrier for stable business operations.

Profit structure continued to optimize, with the core support role remaining stable. Net interest income, as the “ballast” of profits, reached 10.86B yuan for the year, up 4.82%; accounting for 84.08% of operating income, providing reliable support for stable operations. Investment income was impressive, totaling 1.92B yuan, effectively enriching profit sources and enhancing profit resilience. Cost reduction and efficiency improvement were significant, with business and management expenses decreasing by 1.54 billion yuan year-on-year, a reduction of 4.14%. Through refined cost control and efficient resource allocation, the bank achieved the dual goals of “controlling costs and improving efficiency,” with steady improvement in operational quality and efficiency.

Focusing on the “Five Major Articles” of finance

Upholding the positioning of “serving the local economy, small and micro enterprises, and urban and rural residents,” Zhengzhou Bank deeply concentrates on the “Five Major Articles” of finance, directing financial resources precisely toward key regional areas and weak links, fully supporting the construction of Henan’s “Six Strong Provinces,” and serving the provincial and municipal “1+2+4+N” and “1+7+7+7” target systems, using financial strength to foster new productive forces.

Accelerating technological finance to increase volume. The bank established four new technology-featured branches throughout the year, deepening cooperation with provincial research institutions, adhering to the principles of “early, small, long-term, and hard technology” investments. By year-end, the balance of technology loans reached 154M yuan, a 25.57% increase from the beginning of the year, injecting financial momentum into technological innovation and成果转化. Green finance accelerated deployment. The bank launched the first two green-featured branches, opening green approval channels and dedicated credit quotas, guiding funds toward green low-carbon, energy-saving, and environmental protection fields, supporting regional “dual carbon” goals with financial power.

Deepening inclusive finance. The bank continuously improved the full lifecycle, multi-scenario inclusive credit system, with supporting special quotas and preferential interest rates. By year-end, inclusive small micro loans totaled 33.24B yuan, a 6.78