How does Zhengzhou Bank create a differentiated core competitive advantage through multiple breakthroughs in specialized finance?

Ask AI · How can特色金融布局empower high-quality regional economic development?

Produced by | Zhongfang Network

Reviewed by | Li Xiaoyan

By 2025, China’s banking industry will continue to forge ahead amid sustained pressure on net interest margins and deep industry transformation adjustments. As a corporate bank deeply rooted in the Central Plains, Zhengzhou Bank adheres to its financial origins and anchors its strategic direction, achieving coordinated breakthroughs in scale, efficiency, risk, and特色 through the practice of “stability with quality improvement and特色突破,” delivering a high-quality report that demonstrates the resilience and vitality of regional banks, and providing a参考model for industry transformation and development—the “Zhengyin Model.”

Operational quality and efficiency continue to improve, with greater confidence to navigate cycles

Facing a complex and volatile operating environment, Zhengzhou Bank always regards稳健经营 as the foundation of development, activating endogenous动力 through structural optimization and精细管理, achieving simultaneous提升 in scale and quality, and coordinated progress in speed and efficiency.

By the end of 2025, Zhengzhou Bank’s total assets reached 743.67B yuan, a year-on-year increase of 9.95%, setting a new high since 2018. Notably, after surpassing 700 billion yuan in the first quarter, asset规模 maintained稳健增长 for three consecutive quarters, with an annual增量 exceeding 67 billion yuan, breaking away from the traditional seasonal冲量模式, demonstrating strong and sustainable endogenous growth动力.

Profitability has steadily修复 and结构优化. The full year’s operating income reached 12.92B yuan, a slight increase of 0.34% year-on-year; net profit was 1.91B yuan, up 2.44%, maintaining positive growth for two consecutive years. Against the backdrop of行业息差收窄, net interest income reached 10.86B yuan, up 4.82%,稳健表现 solidly underpinning盈利基础. Meanwhile, investment收益 and wealth management intermediary业务收入稳步增长, forming a diversified盈利格局 that effectively enhances抵御周期波动的能力.

Asset quality持续改善, risk防线更加牢固. Non-performing loan ratio dropped to 1.71%, down 0.08 percentage points from the previous year-end, achieving three consecutive declines; provisioning coverage ratio increased to 185.81%, significantly strengthening risk抵补能力. The structure of deposits and loans持续优化, with total deposits of 463.08B yuan, up 14.47% year-on-year, among which personal deposits reached 271.85B yuan, a large increase of 24.60%, with a significant提升 in低成本稳定资金比例. Loan投放保持有序, totaling 410.26B yuan, precisely flowing into重点实体经济领域. The稳健的资产负债结构 and持续改善的资产质量 lay a solid foundation for Zhengzhou Bank to navigate cycles and achieve稳健 long-term发展.

Retail and investment banking dual engines drive vigorous transformation development

Building on稳健经营, Zhengzhou Bank uses创新 as its brush,深入耕耘 in特色领域 such as retail金融, wealth management, and investment banking, forging a差异化 and特色化 transformation path, accelerating from a traditional “deposit-loan-settlement” bank to a综合金融服务商.

The retail业务转型 has achieved remarkable results, with双轮发力 in消费金融 and财富管理. Personal消费贷款余额突破20B, reaching 20B yuan, up 20.9%. Relying on digital products like “Zheng e Loan消费” and “Zheng Hui Loan,” the bank precisely connects with individual工商户, micro and small企业主, and居民消费需求, using线上化 and智能化 services to破解 the pain points of “slow financing and difficult financing.” Wealth management业务加速升级, retail财富类资产规模达57.25B元, up 11.57%;代理类财富中间业务收入20.73B yuan, a surge of 86.11%. By构建全谱系产品体系 covering cash management, fixed income, and equities, and leveraging digital tools to完善全生命周期服务, Zhengzhou Bank is accelerating its transformation from a “deposit-loan intermediary” to a trusted “wealth manager” for clients.

Investment banking capabilities全面提升, and comprehensive金融服务迈上新台阶. Bond investment总额 reached 57.25B yuan, up 27.00%, with标准化资产占比持续提升, asset配置趋于稳健. The bank executed the province’s first private企业破产重组-related M&A贷款, led the组建 of sustainable development挂钩银团贷款, and achieved significant breakthroughs in绿色金融 and M&A金融. The full year’s银团贷款服务项目 totaled 21, with融资规模 of 56.85M yuan; bond承销规模 reached 181.64B yuan,稳居省内前列. From a单一资金提供者 to a资源整合者 and交易组织者, Zhengzhou Bank’s投行化服务能力 has been significantly增强, providing企业 with全周期的综合金融解决方案.

Accurately empowering Zhongyuan’s rise, demonstrating regional金融责任

As河南省政策性科创金融运营主体银行, Zhengzhou Bank always根植河南,服务河南,深度融入区域发展战略, using金融活水 to精准灌溉实体经济, resonating and共生 with中原经济.

Focusing on the“五篇大文章” of金融, providing精准滴灌 of金融资源 to重点领域. In科技金融,设立7家科技特色支行, with科技贷款余额 of 6.06B yuan, up 25.57%, focusing on “投早、投小、投硬科技,” fully supporting科创企业 and专精特新企业. Green金融加快布局, establishing 2绿色特色支行, with专项额度, guiding资金流向低碳环保 and节能降耗领域. Digital金融贷款余额6.75B元, up 27.78%;普惠小微贷款余额57.33B元,惠及78k余户市场主体.养老金融同步推进, increasing support for养老产业,升级适老化金融服务,全面满足民生需求.

抓住“两重”“两新”机遇,深度服务区域重大战略.积极支持国企改革,产业整合,重大项目建设,在服务河南“六个强省”中主动作为.通过银团贷款、债券承销、并购融资、撮合交易等多元化工具,为区域基础设施、先进制造、城市更新等重点领域提供全方位金融支持.同时,下沉服务重心,建成23家金融服务港湾,深化“郑好融”平台合作,打通惠企便民的“最后一公里”,以贴身服务彰显本土银行的责任与担当.

坚持创新开启新征程，质效并进谱写新篇

2025年的稳健答卷，是郑州银行战略转型、深耕本土、创新突破的集中体现。从追求规模扩张到注重质效并重，从传统信贷业务到特色多元布局，从本土金融机构到区域标杆银行，郑州银行正以清晰的战略路径、扎实的经营成效，探索出一条区域银行高质量发展的新路径。

未来，郑州银行将继续坚守“服务地方、服务中小、服务民生”的初心，以“稳中求进、以质取胜”为方向，持续深化特色金融布局，强化区域服务优势，在风险可控的前提下稳步扩大规模，在服务河南高质量发展、建设现代化强省的进程中，书写更加精彩的金融篇章，为区域银行转型发展贡献更多“郑银智慧”与“郑银力量”。