Zhengzhou Bank Releases 2025 Annual Report, Steady Improvement in Operating Quality and Efficiency

Source: Global Times

Recently, Zhengzhou Bank released its 2025 operating performance, demonstrating a steady and improving trend among regional banks, with enhanced quality and efficiency. From persistent expansion in business layout, to deepening reforms through self-innovation, and to proactive digital transformation and high-quality development, Zhengzhou Bank has always resonated with the development of the Central Plains region. In the journey of serving the real economy, practicing financial services for the people, and advancing financial reforms, it has written a vibrant chapter in Zhengzhou’s banking history.

By the end of 2025, the bank’s total assets reached 743.67B yuan, an increase of 9.95%, the highest growth rate since 2018, showing sustained capacity for scale expansion. Total loans amounted to 410.26B yuan, up 5.82%, reflecting a more proactive credit deployment stance. Annual operating income was 12.92B yuan, a year-on-year increase of 0.34%, and net profit was 1.91B yuan, up 2.44%, with net profit growth significantly surpassing revenue growth.

Steady operation: core data of asset scale growth continues to improve

As a local legal entity bank, Zhengzhou Bank’s asset scale has grown steadily in recent years, with continuous improvement in operating performance and evident resilience. The scale growth demonstrates stable development. By the end of 2025, Zhengzhou Bank’s total assets rose to 743.67B yuan, with an annual increase of 67.3 billion yuan, up 9.95%, the highest since 2018. Its asset size surpassed 700 billion yuan in the first quarter of 2025, and the growth momentum continued over the next three quarters, showing sustained endogenous growth capacity. Meanwhile, credit deployment remained active, with total loans increasing to 410.26B yuan, up 5.82%, strongly supporting the financing needs of the real economy.

Profitability remained stable. Facing industry-wide net interest margin compression challenges, Zhengzhou Bank maintained profitability through refined management and structural optimization. In 2025, operating income reached 12.92B yuan, up 0.34%; net profit was 1.91B yuan, up 2.44%, with overall revenue remaining stable and improving. Risk control measures are solid and reliable. In terms of asset quality, the non-performing loan ratio decreased to 1.71%, continuing a downward trend for three consecutive years; provision coverage ratio increased to 185.81%, further strengthening risk buffers. This indicates that while expanding scale, the bank has firmly maintained asset quality, achieving quality and sustainable growth. By the end of 2025, Zhengzhou Bank’s liquidity ratio was 94.27%, liquidity coverage ratio 226.73%, and net stable funding ratio 123.16%. Major liquidity indicators far exceeded regulatory requirements, ensuring safe and controllable liquidity risk.

Business advancement: wealth management brand continuously upgraded, business scale steadily rising

Wealth management is booming and has become a “new track” that banks are competing to develop during their transformation. In 2025, Zhengzhou Bank’s wealth management business showed impressive growth, with retail wealth financial assets reaching 57.25B yuan, an increase of 11.57% year-on-year; agency wealth management income increased by 86.11% year-on-year.

In product supply, the bank adheres to the principles of “quality, diversification, and differentiation,” actively introduces qualified distribution partners, enriches the product matrix, and during the reporting period, 675 new distribution products were introduced, further optimizing the product structure and broadening choices. It focuses on segmented customer needs, iteratively upgrading themed products like “County-specific” offerings, and actively deploying diversified investment services such as “asset service trusts,” precisely matching different clients’ asset allocation needs. Currently, the bank has built a comprehensive product system covering cash management, pure bond fixed income, “fixed income+,” hybrid strategies, equity investments, and risk protection, fully meeting clients’ diverse and multi-level wealth management needs.

In service experience, Zhengzhou Bank continues to upgrade its wealth brand rights and benefits system, providing value-added services that combine practicality and exclusivity, continuously enhancing customer satisfaction; strengthening full lifecycle services for wealth clients, leveraging digital tools to accurately identify needs, efficiently deliver services, improve product lifecycle management, and steadily increase customer satisfaction and brand loyalty, solidifying the foundation of customer service.

Rooted locally: adhering to the “Three Services” positioning, focusing on “Five Major Articles”

Zhengzhou Bank adheres to its fundamental “Three Services” positioning, deeply cultivating the overall development of the local real economy, and precisely focusing on the “Five Major Articles” of financial services.

In technological finance, the bank has established four new technology-focused branches, deepening collaboration with provincial research institutions, and adhering to the principles of early, small, long-term, and hard technology investments to empower precisely. By the end of 2025, the balance of technology loans reached 33.24B yuan, a steady increase of 25.57% from the beginning of the year. In green finance, the bank launched the first two green specialty branches, opening dedicated green approval channels and allocating exclusive credit quotas, guiding financial resources to focus on green and low-carbon industries. In inclusive finance, it continues to build a full lifecycle, multi-scenario inclusive credit product system, with dedicated credit scales and differentiated interest rate discounts, effectively improving accessibility, coverage, and convenience of inclusive financial services. By the end of 2025, inclusive micro and small loans totaled 57.33B yuan, an increase of 6.78% from the beginning of the year.

In pension finance, the bank has increased financial support for infrastructure and healthcare industries related to elderly care, and promoted standardized, upgraded offline elderly-friendly services to meet the diverse financial needs of the elderly. In digital finance, it insists on technological empowerment across the business, advancing digital and intelligent transformation of operations and management, and accelerating the deployment of smart banking systems. By the end of 2025, digital economy loans reached 6.75B yuan, up 27.78% from the start of the year.

Risk prevention: front-loading risk control to solidify stable operations

Facing industry challenges such as narrowing interest margins and pressure on asset quality, Zhengzhou Bank maintains a prudent management tone, strengthening credit risk management, accelerating disposal of low-efficiency assets, and continuously lowering non-performing loan ratios over three years. By the end of 2025, the non-performing loan ratio was 1.71%, down 0.08 percentage points from the previous year’s end, and down 0.17 percentage points from 2022.

The profit structure continues to be solidified through optimization, with core business support significantly enhanced. Net interest income, the “ballast” of profits, reached 10.86B yuan in 2025, up 4.82%, accounting for 84.08% of operating income, providing a strong and reliable income guarantee for stable operations; investment income of 1.92B yuan also performed steadily, further diversifying profit sources and increasing resilience. Cost reduction and efficiency improvement efforts are steadily advancing, with the bank continuously optimizing financial resource allocation, focusing on key cost control areas, reducing business and management expenses by 154M yuan year-on-year, a decrease of 4.14%. Through refined cost management and efficient resource deployment, the bank achieves the dual goals of “controlling costs and improving efficiency.”

Steady and far-reaching: deepening local roots, upholding integrity and innovation to chart high-quality development

Looking back at this pivotal era, Zhengzhou Bank has always shared the destiny of the business capital, resonating with provincial and municipal development, deeply rooting itself in the Central Plains, and inscribing its growth on the “More Brilliant Central Plains” era’s answer sheet. This rootedness in the local community and dedication to serving it form the deep foundation and source of strength for its market cycle resilience and steady growth.

Based on local advantages, the bank is committed to distinctive operations and differentiated development, focusing on key regional industries such as electronics, new energy and intelligent connected vehicles, high-end equipment, new materials, and biomedicine, deeply integrating into regional modern industrial systems and cultivating new productive forces. It adheres to precise policies, regional layout, product innovation, and optimized competitive strategies and customer targeting to build core development advantages; continuously honing professional marketing capabilities, market insight, and rigorous risk management to ensure steady business growth.

Meanwhile, leveraging AI applications as an engine, the bank continuously optimizes business processes and work efficiency, promotes lightweight AI applications, and deeply integrates “bank-government-enterprise-school” multi-scenario collaborations, co-creating a mutually beneficial financial AI ecosystem; supported by technological tools and strengthened digital empowerment, it continuously enhances digital risk control levels, forging an irreplaceable core competitiveness.

In the future, Zhengzhou Bank will always uphold its original mission of “serving the local economy, small and medium-sized enterprises, and urban and rural residents,” deeply integrating into the construction of Henan’s “Six Strengths” strategy, with greater enthusiasm, more practical measures, and better services, to accelerate the modernization of Henan and write a new chapter of a more brilliant Central Plains, contributing stronger financial strength.