Bank Of Zhengzhou Co.,Ltd. recently disclosed its 2025 performance report. Amid industry-wide pressure from narrowing net interest margins, the bank delivered growth in both scale and profitability through deep-rooted presence in local markets and business structure transformation. During the reporting period, the bank achieved positive growth in operating revenue and net profit, with asset scale growth hitting a multi-year high while non-performing loan ratio declined for the third consecutive year.
The bank's total assets reached 743.674 billion yuan by the end of 2025, increasing by 67.3 billion yuan during the year with growth rate of 9.95% - the highest since 2018. In terms of profitability, the bank achieved annual operating revenue of 12.921 billion yuan, up 0.34% year-on-year, while net profit reached 1.909 billion yuan, representing 2.44% growth. Net interest income, serving as the profit anchor, amounted to 10.864 billion yuan, increasing 4.82% and accounting for 84.08% of operating revenue. Meanwhile, liability structure continued to optimize with total deposits reaching 463.075 billion yuan, up 14.47%, and personal deposits surging 24.60% to 271.847 billion yuan.
While maintaining stable core operations, wealth management and retail banking are becoming new growth engines for Bank Of Zhengzhou Co.,Ltd. In 2025, the scale of retail wealth financial assets reached 57.252 billion yuan, growing 11.57% from year-end 2024. Commission income from wealth management services surged 86.11% to 56.8456 million yuan. On the credit deployment side, the bank precisely addressed residents' reasonable consumption demands, with total personal loans reaching 97.014 billion yuan, up 6.66%. Personal consumption loan balances broke through the 200 billion yuan threshold for the first time, reaching 20.727 billion yuan with robust growth of 20.9%.
While achieving dual growth in scale and efficiency, Bank Of Zhengzhou Co.,Ltd. maintained risk control底线, showing continuous improvement in asset quality. By the end of the reporting period, the non-performing loan ratio stood at 1.71%, down 0.08 percentage points from end-2024 and 0.17 percentage points lower than end-2022, marking the third consecutive annual decline.
In corporate banking and macro strategy implementation, the bank closely aligned with real economy needs, comprehensively deploying financial services across five key areas. By end-2025, technology loan balances reached 33.237 billion yuan, growing 25.57% from beginning of the year, while digital economy loan balances increased 27.78% to 6.747 billion yuan. As a main force supporting local economy, the bank continued to下沉 service focus, with inclusive small and micro enterprise loan balances steadily climbing to 57.326 billion yuan, up 6.78%, serving 78,680 small and micro customers with outstanding loans.
Additionally, in financial markets and investment banking, Bank Of Zhengzhou Co.,Ltd. continued optimizing investment structure, with total bond investments growing 27.00% year-on-year while non-standard investment scale continued to decline, down 9.84% year-on-year.
Looking ahead, the bank stated it will continue following national and local policy guidance, adhering to its fundamental positioning of "serving local economy, small and medium enterprises, and urban and rural residents," while improving comprehensive service systems to inject sustained momentum into local economic high-quality development through more diversified and professional financial offerings.
Comments