Zhengzhou Bank’s asset scale reaches a new level in 2025, wealth management becomes a new engine for profitability.

Recently, Bank of Zhengzhou released its 2025 annual performance report.

Against the backdrop of shrinking net interest margins across the banking industry, the bank has delivered a report card featuring both scale and efficiency by deeply cultivating its local market and transforming its business structure.

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

Asset scale hits new highs in recent years

By the end of 2025, the bank's total assets reached 743.674 billion yuan, with annual new assets of 67.3 billion yuan, an increase of 9.95%, marking the fastest growth since 2018.

In terms of profitability, Bank of Zhengzhou achieved annual operating income of 12.921 billion yuan, up 0.34% year-on-year; net profit was 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, a year-on-year increase of 4.82%, accounting for 84.08% of operating income; meanwhile, the liability structure continued to optimize, total deposits absorbed reached 463.075 billion yuan, a 14.47% increase, and personal deposit balance reached 271.847 billion yuan, achieving rapid growth of 24.60%.

Retail business becomes a new growth engine

While consolidating its foundation, wealth management and retail business are becoming new drivers of growth for Bank of Zhengzhou.

In 2025, the bank’s retail wealth financial assets reached 57.252 billion yuan, an increase of 11.57% compared to the end of the previous year; among these, agency wealth intermediary business income reached 56.8456 million yuan, a substantial year-on-year increase of 86.11%.

On the credit issuance side, the bank precisely responded to residents' reasonable consumption demands, with total personal loans reaching 97.014 billion yuan, an increase of 6.66%; among these, personal consumer loan balances broke through the 20 billion yuan mark for the first time, reaching 20.727 billion yuan, with a rapid growth rate of 20.9%.

Focus on the "Five Big Articles" and deep cultivation of local market

While achieving growth in both scale and efficiency, Bank of Zhengzhou adheres to risk boundaries, and its asset quality continues to improve.

By the end of the reporting period, the bank’s non-performing loan rate was 1.71%, down 0.08 percentage points from the end of the previous year and down 0.17 percentage points from the end of 2022; this marks the third consecutive year of decline in non-performing loan rate.

On the corporate business and macro-strategy front, Bank of Zhengzhou is closely aligned with the needs of the real economy, fully deploying the financial "Five Big Articles." By the end of 2025, the balance of technology loans reached 33.237 billion yuan, up 25.57% from the beginning of the year; the balance of digital economy loans reached 6.747 billion yuan, up 27.78% from the beginning of the year.

As the main force supporting the local economy, the bank continues to focus its service efforts downwards, with inclusive small and micro loans steadily climbing to 57.326 billion yuan, a growth rate of 6.78%, and the number of inclusive small and micro clients with loan balances increased to 78,680.

Additionally, in financial markets and investment banking, Bank of Zhengzhou has been continually optimizing its investment structure: total bond investment increased 27.00% year-on-year, while non-standard investment scale continued to shrink, falling 9.84% year-on-year.

Looking ahead, Bank of Zhengzhou stated it will continue to closely follow national and local policy directions, adhere to its original positioning of "serving the local economy, serving small and medium-sized enterprises, serving urban and rural residents," improve and perfect its comprehensive service system, and inject lasting momentum into the high-quality development of the local economy through more diversified and professional financial supply.

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