Bank of Zhengzhou's Asset Scale Reaches New Heights in 2025, Wealth Management Becomes New Profit Engine

Bank of Zhengzhou recently disclosed its 2025 annual performance report.

Against the backdrop of the banking industry as a whole facing pressure from narrowing net interest margins, the bank delivered a performance balancing both scale and efficiency, driven by its deep roots in the local market and business structure transformation.

During the reporting period, Bank of Zhengzhou achieved positive growth in both operating income and net profit. Its asset scale growth rate hit a new high for recent years, while the non-performing loan ratio declined for the third consecutive year.

Asset Scale Reaches New Highs in Recent Years

As of the end of 2025, the bank's total assets reached 743.674 billion yuan, an annual increase of 67.3 billion yuan or 9.95%, marking the highest growth rate since 2018.

In terms of profitability, Bank of Zhengzhou recorded annual operating income of 12.921 billion yuan, up 0.34% year-on-year, and net profit of 1.909 billion yuan, a year-on-year increase of 2.44%.

Net interest income, acting as the "ballast stone" of profitability, reached 10.864 billion yuan, up 4.82% year-on-year and accounting for 84.08% of operating income. Meanwhile, the liability structure continued to optimize, with total deposits reaching 463.075 billion yuan, up 14.47%, and personal deposits reaching 271.847 billion yuan, a rapid growth of 24.60%.

Retail Business Becomes New Growth Engine

While stabilizing its core business, Wealth Management and retail operations are emerging as new growth engines for Bank of Zhengzhou.

In 2025, the bank's retail wealth-related financial assets reached 57.252 billion yuan, up 11.57% from the end of the previous year. Among this, income from agency wealth management intermediary services reached 56.8456 million yuan, a significant year-on-year increase of 86.11%.

On the credit side, the bank accurately met the reasonable consumption needs of residents, with personal loans totaling 97.014 billion yuan, an increase of 6.66%. Notably, the balance of personal consumption loans exceeded the 20 billion yuan mark for the first time, reaching 20.727 billion yuan, a growth rate of 20.9%.

Focusing on the "Five Major Articles" to Deepen Local Presence

While achieving growth in both scale and efficiency, Bank of Zhengzhou adhered to risk bottom lines, with asset quality showing a trend of continuous improvement.

By the end of the reporting period, the bank's non-performing loan ratio was 1.71%, down 0.08 percentage points from the end of the previous year and 0.17 percentage points from the end of 2022. This marks the third consecutive year of decline for the bank's NPL ratio.

In terms of corporate business and macro-strategic implementation, Bank of Zhengzhou closely aligned with the needs of the real economy and fully deployed the "five major articles" of finance. By the end of 2025, the bank's technology loan balance reached 33.237 billion yuan, up 25.57% from the start of the year, while digital economy loans reached 6.747 billion yuan, an increase of 27.78%.

As a mainstay in supporting the local economy, the bank continued to lower its service focus. The balance of inclusive small and micro loans rose steadily to 57.326 billion yuan, a growth of 6.78%, while the number of inclusive small and micro customers with outstanding loans increased to 78,680.

Additionally, in financial markets and investment banking, Bank of Zhengzhou continued to optimize its investment structure. Total bond investment grew 27.00% year-on-year, while the scale of non-standard investments continued to be compressed, falling 9.84% year-on-year.

Looking ahead, Bank of Zhengzhou stated it will continue to follow national and local policy guidance, adhering to its core positioning of "serving the local economy, serving small and medium-sized enterprises, and serving urban and rural residents." The bank aims to improve its comprehensive service system and inject lasting momentum into the high-quality development of the local economy through more diverse and professional financial offerings.