Steadfast and committed to a new journey, enhancing quality and efficiency to write a new chapter—Zhengzhou Bank 2025 Annual Report

In recent days, Zhengzhou Bank released its 2025 operating performance, showing a positive trend of steady progress and improvements in both quality and efficiency for regional banks. From its unwavering commitment to expand market presence and layout, to the deepening of reform for self-innovation, and then to its bold efforts in digital transformation and high-quality development, Zhengzhou Bank has always kept in step with the development of the Central Plains, creating resonance with every pulse beat. In the journey of serving the real economy, practicing finance for the people, and advancing financial reform, it has written a bold and colorful “Zhengyin” chapter.

As of the end of 2025, the bank’s total asset size was 743.674 billion yuan, up 9.95%, with the growth rate reaching the highest level since 2018, demonstrating strong continuous scale growth capability. The total loan balance was 410.264 billion yuan, up 5.82%, indicating a more proactive stance in credit deployment. For the year, operating income was 12.921 billion yuan, up 0.34% year over year; net profit was 1.909 billion yuan, up 2.44% year over year. Its net profit growth rate is significantly higher than its operating income growth rate.

Sound operations: Steady growth in asset size, with core data continuing to improve

As a local corporate bank, Zhengzhou Bank has seen its asset size grow steadily in recent years, with operating performance continuing to rise and development resilience becoming evident. The scale growth reflects steady development. As of the end of 2025, Zhengzhou Bank’s total assets rose to 743.674 billion yuan, with an annual increase of 67.3 billion yuan, up 9.95%, and its growth rate reaching the highest level since 2018. Its asset size exceeded 700 billion yuan in the first quarter of 2025; in the following three quarters, it continued the momentum of steady growth, showing sustained internal growth capability. At the same time, credit deployment remained proactive, with total loans rising to 410.264 billion yuan, up 5.82%, effectively supporting financing demand from the real economy. Profitability remained stable. Faced with the industry-wide challenge of narrowing net interest margins, Zhengzhou Bank maintained stable profitability through refined management and structural optimization. In 2025, operating income was 12.921 billion yuan, up 0.34%; net profit was 1.909 billion yuan, up 2.44%, with overall revenue remaining steady and improving. The risk-control barrier proved solid and reliable. In terms of asset quality, the non-performing loan ratio fell to 1.71%, maintaining a downward trend for three consecutive years; the allowance coverage ratio increased to 185.81%, further enhancing the bank’s risk compensation capability. This indicates that while pursuing “increasing scale,” the bank firmly holds the “lifeline” of asset quality, achieving growth with quality and sustainability. As of the end of 2025, Zhengzhou Bank’s liquidity ratio was 94.27%, the liquidity coverage ratio was 226.73%, and the net stable funding ratio was 123.16%. Major liquidity indicators were far above regulatory requirements, and liquidity risk was safe and controllable.

Business refinement: Wealth brand upgrades and orderly growth in business scale

Wealth management continues to flourish and has become a “new track” that the banking industry is rushing to develop. In wealth management, a bank’s product creation, organizational capability, and sales capability collectively reflect the level of its market competitiveness. In 2025, Zhengzhou Bank’s wealth management business grew impressively. The scale of retail wealth financial assets reached 57.252 billion yuan, up 11.57%; fee-based income from agency wealth rose 86.11% year over year. In terms of product supply, the bank adhered to “premium, diversified, and differentiated,” actively introducing well-qualified distribution and cooperation institutions, enriching its product matrix. During the reporting period, it newly introduced 675 agency products, further optimizing its product structure and expanding customer choice. Focusing on the needs of segmented customer groups, it iterated and upgraded theme featured products such as “county-level exclusive” products, and actively laid out diversified investment service tools such as “asset service trusts,” precisely matching different customers’ asset allocation needs. At present, the bank has built a full-spectrum product system covering cash management, pure-debt fixed income, “fixed income+,” hybrid strategies, equity investment, risk protection, and more, comprehensively meeting customers’ diversified and multi-level wealth management needs. In terms of service experience, Zhengzhou Bank continued upgrading the equity system of its wealth brand to provide value-added services that combine practicality with a sense of premium experience, continuously enhancing customers’ sense of gain from services. It strengthened full lifecycle service for wealth clients, empowering service delivery with digital tools to precisely identify customer needs, efficiently execute service outreach, improve product existence-period management mechanisms, and steadily raise customer satisfaction and brand loyalty, laying a solid foundation for customer service.

Rooted locally: Upholding the “three services” positioning and pooling efforts on the “five major articles”

Zhengzhou Bank upholds its original positioning of the “three services,” deeply focusing on the overall development of local real economy and precisely pooling efforts to do well in financial services for the “five major articles.”

In science and technology finance, the bank newly established 4 science and technology characteristic sub-branches and deepened collaborative linkages with research institutions within the province. It adheres to the philosophy of investing early, investing small, investing long term, and investing in hard technology to provide precise empowerment. As of the end of 2025, the balance of technology loans was 33.237 billion yuan, steadily growing 25.57% compared with the beginning of the year. In green finance, it rolled out the first batch of 2 green characteristic sub-branches, opened a dedicated green approval channel, and set aside specialized credit quotas to orderly guide financial resources to tilt toward green and low-carbon industries. In inclusive finance, it continued building an end-to-end, multi-scenario integrated inclusive credit product system, with dedicated credit scales and differentiated interest rate preferential policies, and truly enhanced the availability, coverage, and convenience of inclusive finance services. As of the end of 2025, the balance of inclusive micro and small loans was 57.326 billion yuan, up 6.78% from the beginning of the year. In pension finance, first, it increased support for finance to the main entities in industry chains such as the construction of pension infrastructure and health services for the elderly; second, it advanced standardized improvement and quality upgrades for offline elderly-friendly service to fully meet the elderly population’s specialized and diversified financial needs. In digital finance, it adhered to technology empowering the overall business, coordinating to advance digital and intelligent transformation in business operations and management, and accelerating the rollout of a smart banking system. As of the end of 2025, the balance of loans for the digital economy was 6.747 billion yuan, up 27.78% from the beginning of the year.

Risk prevention: Keep risk control upfront to solidify the foundation of sound operations

Facing industry development challenges such as narrowing bank interest margins and pressure on asset quality, Zhengzhou Bank has persisted in a sound operations tone. With strengthening credit risk management as its key focus, it sped up disposal of low-efficiency assets. The non-performing loan ratio has achieved a steady decline for three consecutive years, and its capacity to withstand risks has been continuously strengthened. As of the end of 2025, the non-performing loan ratio was 1.71%, down 0.08 percentage points from the end of the previous year, and down 0.17 percentage points compared with the end of 2022.

While improving its profit structure, it continued to solidify core business support strength. Net interest income, as the “anchor stone” of profitability, reached 10.864 billion yuan in 2025, up 4.82%, accounting for 84.08% of operating income, providing a solid and reliable income support for operational stability. Meanwhile, investment income in the same period was 1.923 billion yuan, showing steady and strong performance, further enriching profit sources and improving earnings elasticity. The cost reduction and efficiency improvement work was carried out solidly, with operational quality and efficiency improving steadily. During the reporting period, the bank continuously optimized the allocation of financial resources, focusing on key cost-control segments. Business and management fees decreased by 154 million yuan compared with the same period last year, a 4.14% year-on-year decline. Through refined cost management and efficient allocation of resources, it achieved the dual goals of “controlling costs and improving efficiency.”

Steady progress far ahead: Deepening local focus, preserving integrity while innovating, and charting a new chapter of high-quality development

Searching for dreams across mountains and seas—steps never stop; the road ahead is long, but determination never wavers. Looking back at key moments in the development of the times, Zhengzhou Bank has always breathed and shared destiny with the land of the commercial capital, resonating in step with the province and the city’s development. It has deeply rooted its own growth in the fertile soils of the Central Plains and inscribed its development footprints on the era answer sheet of “the Central Plains becoming even more remarkable.” This persistence of rooting in the local area and serving the local area is precisely the deep foundation and source of strength that has enabled it to cross market cycles and achieve steady growth.

From the original intention firmly held by the banks of the Yellow River to the courageous progress at the forefront of financial tides, over the years, no matter how market conditions have changed, Zhengzhou Bank has always kept in mind the original mission of finance for the people and serving the real economy. It has followed national and provincial/city development strategies, anchored the provincial and municipal Party committee’s goal system of “1+2+4+N” and “1+7+7+7,” integrated Party leadership into the entire process and every link of corporate governance. With “Party building integrated into the articles,” it has solidified its development foundation; with “two-way entry,” it has deepened Party-Party and business integration. With “the three major matters” it has strictly guarded decision-making, ensuring that financial services always move steadily in the correct political direction. Rooted in local endowments, it has advanced firmly along the path of characteristic operations and differentiated development, focusing on key provincial and municipal industrial directions such as electronic information, new energy and intelligent connected vehicles, high-end equipment, new materials, and biopharmaceuticals, deeply integrating into the construction of the region’s modern industrial system and the overall drive to cultivate new quality productive forces. It persists in precise implementation of strategies, deepening regional layout, strengthening product innovation, optimizing competition strategies and customer targeting, and building core development advantages. It continuously hones capabilities in precise and efficient marketing, keen and forward-looking market insights, and rigorous and prudent risk prevention and control to escort steady business development with professional strength. At the same time, using AI applications as an engine, it continues to optimize business processes and work efficiency, promoting lightweight AI applications and deep multi-scenario integration with “banks, government agencies, enterprises, and schools,” co-building a mutually beneficial and win-win financial AI cooperation ecosystem. Backed by technological tools and strengthening digital empowerment, it continuously enhances digital risk-control capabilities and steadily forges irreplaceable core competitiveness.

A journey of ten thousand miles, with strong winds and a favorable course—heavy responsibilities call for another start. In the future, Zhengzhou Bank will keep an enterprising spirit without ever resting, and with a pragmatic and diligent work style, it will always stay true to its mission of “serving local economic development, serving small and medium-sized enterprises, and serving urban and rural residents.” It will deeply integrate into the overall plan for building “six strong provinces” in Henan, and with stronger drive, more practical measures, and better services, it will contribute more solid financial power to accelerating the modernization of Henan and writing a new chapter for the Central Plains to become even more remarkable.

Highlight 1: Asset scale grows steadily, growth rate keeps rising, and development resilience stands out

Zhengzhou Bank has always adhered to its positioning as a local corporate bank. Its asset scale has grown steadily, its operating performance has continued to recover, and its development resilience has become evident.

From the data, as of the end of 2025, Zhengzhou Bank’s total assets reached 743.674 billion yuan, up 9.95%. Its asset scale exceeded 700 billion yuan in the first quarter of the same year; in the next three quarters, it maintained the momentum of steady growth. For the full year, the scale increased by 67.3 billion yuan. The asset scale growth rate in 2025 hit the highest level since 2018.

Highlight 2: Zhengzhou Bank’s 2025 revenue and net profit both grew positively

The report shows that in 2025, Zhengzhou Bank achieved net profit of 1.909 billion yuan, up 2.44% year over year; operating income reached 12.921 billion yuan, up 0.34% year over year.

Through deepening retail development, optimizing the credit structure, strengthening risk control, and advancing digital transformation, Zhengzhou Bank achieved steady dual growth in both revenue and profit, demonstrating strong operational resilience and market competitiveness.

Highlight 3: Based on the local area, adhering to positioning, pooling efforts on the “five major articles”

Zhengzhou Bank adheres to the positioning of a mainstay local finance provider, helping support high-quality regional development. Through a comprehensive deployment of financial services for the “five major articles,” it closely focuses on the province’s “1+2+4+N” target task system, integrating high-quality financial supply deeply into the overall effort to build Henan’s “six strong provinces.”

In science and technology finance, it successively established 7 technology characteristic sub-branches to strengthen cooperation with research and development institutions in the province, truly enabling “investing early, investing small, investing long term, and investing in hard technology.” As of the end of 2025, the balance of technology loans was 33.237 billion yuan, up 25.57% from the beginning of the year. In green finance, it set up the first batch of 2 green characteristic sub-branches, opening a “green approval channel,” earmarking dedicated credit quotas, and guiding credit resources toward green fields. In inclusive finance, it accelerated the construction of an inclusive loan product system that integrates end-to-end and multi-scenario needs, continuously improving the availability, coverage rate, and convenience of inclusive finance. As of the end of 2025, the balance of inclusive micro and small loans was 57.326 billion yuan, up 6.78% from the beginning of the year. In pension finance, it actively supported pension industry-chain enterprises such as pension facility construction and elderly medical and health services, increased standardized development of elderly-friendly service, and met the specialized financial needs of the elderly. In digital finance, it adhered to technology-leading empowerment for business development, comprehensively advanced digital and intelligent transformation in business operations and management, and accelerated the building of a “smart bank.” As of the end of 2025, the balance of loans for the digital economy was 6.747 billion yuan, up 27.78% from the beginning of the year.

Highlight 4: Forward-looking risk management brings three consecutive declines in the non-performing ratio

Zhengzhou Bank continuously strengthened credit risk management and accelerated the disposal of non-performing assets. Overall loan quality remained at a controllable level. As of the end of the reporting period, the non-performing loan ratio was 1.71%, down 0.08 percentage points from the end of last year, and down 0.17 percentage points compared with the end of 2022, achieving a continuous decline for three consecutive years. As of the end of the reporting period, Zhengzhou Bank’s liquidity ratio was 94.27%, the liquidity coverage ratio was 226.73%, and the net stable funding ratio was 123.16%. Based on the statements, the bank’s main liquidity indicators all met regulatory requirements, and liquidity risk was safe and controllable.

Highlight 5: Deposit growth rates remain at double-digit levels

As a local corporate bank rooted in Zhengzhou and deeply serving Henan, Zhengzhou Bank has always upheld the original intent of finance for the people. With sound operations and quality services, it has won broad trust from citizens and all sectors of society. Its deposit business achieved growth in both “quantity and quality.” As of the end of the reporting period, the bank’s total deposits were 463.075 billion yuan, up 58.537 billion yuan from the end of the previous year, a growth rate of 14.47%. The growth rate continued to maintain steady double-digit growth, and the bank’s capital strength and development foundation were continuously strengthened. Among them, individual deposits were 271.847 billion yuan, up 24.60% year over year. This not only demonstrates that residents have given substantial recognition and trust to Zhengzhou Bank, but also reflects the advantages of a stable liabilities structure and strong risk resistance. At the same time, the bank coordinates the development of corporate deposits and individual deposits, continuously optimizes its liabilities structure and broadens its funding sources. While maintaining stability in liabilities, it effectively prevents potential impacts caused by a single-source structure, building a secure and reliable funding guarantee for serving the real economy and supporting high-quality local development.

Highlight 6: Personal consumer loans break through 20 billion yuan, improving service quality and efficiency for the people

Zhengzhou Bank actively responded to national and provincial/city policies calling for expanding domestic demand and promoting consumption upgrades. It upheld principles of compliant operations, risk control, and rational borrowing, and precisely connected with residents’ reasonable consumption needs. With high-quality financial services, it helped the local consumer market recover steadily. As of the end of the reporting period, the bank’s total principal amount of loans and advances was 410.264 billion yuan, up 22.573 billion yuan from the end of the previous year, a growth rate of 5.82%. Credit deployment remained steady and orderly, and overall asset quality remained sound. Among them, total personal loans were 97.014 billion yuan, representing 23.65% of the total, up 6.057 billion yuan from the end of the previous year, a growth rate of 6.66%. Personal operating loans and consumer loans worked in tandem; the balance of personal consumer loans reached 20.727 billion yuan, breaking through the 20 billion yuan mark for the first time, with a growth rate of 20.9%. Business scale and quality improved in step. The bank always incorporated risk prevention and control throughout the entire process of consumer loan business, strictly complying with regulatory requirements: clearly disclosing the comprehensive financing cost, standardizing loan-use purposes, and strengthening post-loan management. It guided customers to borrow rationally and use loans compliantly, and firmly prevented risks such as excessive borrowing and misappropriation of funds. The steady growth of personal consumer loans not only shows the bank’s responsibility for serving the people and supporting consumption, but also highlights a good and sustainable trend in the development of retail finance business, injecting steady financial momentum to serve local economic development and meet residents’ better life needs.

Highlight 7: Seizing policy opportunities of “two priorities” (“two heavy” and “two new”), Zhengzhou Bank actively serves state-owned enterprises in mergers and reorganizations, and multiple state-owned enterprise merger and acquisition loan businesses have been successfully implemented

Zhengzhou Bank closely seized the policy opportunities of the country’s “two priorities” (“two heavy” and “two new”), actively integrated into the overall picture of regional development, focused on upgrading local advantageous industries and optimizing resource allocation, and continuously enhanced its comprehensive investment banking service capability. With high-quality financial services, it helped real the economy achieve better quality and efficiency. In syndicated loan business, the bank fully leveraged the advantage of aggregating financial resources, actively led and organized fundraising, and also participated in syndicated projects, with key support for key areas such as transportation logistics, culture and tourism and cultural innovation, green energy, and urban renewal.

During the reporting period, it cumulatively served 21 syndicated loan projects, helping achieve a syndicated financing scale of 6.056 billion yuan, with business scale maintaining steady growth. Among them, Zhengzhou Bank, as lead bank and agent bank, successfully organized sustainable development (ESG)-linked working capital syndicated loans, making an important breakthrough in supporting local enterprises’ green and low-carbon transformation through the syndicated loan model. In the field of merger and acquisition financial services, it prudently carried out merger and acquisition financing services around the integration of state-owned enterprises’ industries, revitalization of assets, and optimization and enhancement of regional productivity. During the reporting period, it cumulatively landed 4 merger and acquisition loan businesses, including the province’s first private enterprise bankruptcy reorganization-type merger and acquisition project, using professional financial solutions to help companies overcome difficulties, and to optimize and upgrade industrial structure. Its low-capital businesses expanded steadily, with multiple efforts including bond underwriting, matchmaking, and credit bond investment. Throughout the year, it successfully issued 28 non-financial enterprise debt financing instruments, with underwriting scale of 8.653 billion yuan, ranking among the top in the province’s market. It also actively built financial cooperation platforms, landing 45 matchmaking deals totaling 11.14 billion yuan, which improved customers’ comprehensive service capabilities while effectively saving capital consumption. In the same period, the bank added 138 credit bond investments with an investment scale of 17.44 billion yuan, continuously providing strong support for broadening direct financing channels for enterprises in the province and lowering overall financing costs.

Next, Zhengzhou Bank will continue to closely follow national and local policy guidance, stay rooted locally and deepen industrial focus. It will continuously improve and enhance its investment banking service system. With an even more diverse and professional comprehensive financial service, it will inject strong and sustained momentum into high-quality local economic development.

Highlight 8: Zhengzhou Bank upgrades its wealth brand; wealth management businesses steadily improve quality and efficiency

Zhengzhou Bank focuses on product optimization, refined operations, and quality-enhanced services. It steadily improves the effectiveness of comprehensive customer service, keeps the bottom line of compliant operations, continuously strengthens the foundation of wealth businesses, and keeps shaping a professional image of a trusted “wealth butler” for customers.

In product supply, it adhered to “premium, diversified, and differentiated,” actively introduced well-qualified distribution and cooperation institutions, enriched its product matrix, and newly introduced 675 agency products during the reporting period, further optimizing product structure and expanding the range of choices. Focusing on the needs of segmented customer groups, it iterated and upgraded theme featured products such as “county-level exclusive,” and actively deployed diversified investment service tools like “asset service trusts” to precisely match customers’ asset allocation needs. At present, the bank has built a full-spectrum product system covering cash management, pure-debt fixed income, “fixed income+,” hybrid strategies, equity investment, risk protection, and more, comprehensively meeting customers’ diversified and multi-level wealth management needs.

In service experience, Zhengzhou Bank continued upgrading the equity system of its wealth brand, providing value-added services that combine usefulness with a sense of premium experience, continuously enhancing customers’ sense of gain from services. It reinforced full lifecycle service for wealth customers, empowered service delivery with digital tools to precisely identify customer needs and efficiently promote service outreach, improved product existence-period management mechanisms, and steadily raised customer satisfaction and brand loyalty, strengthening the foundation of customer service.

As of the end of the reporting period, the bank’s retail wealth financial assets reached 57.252 billion yuan, up 11.57% from the end of the previous year; agency wealth intermediary business income was 56.8456 million yuan, up 86.11% from the end of the previous year. The simultaneous growth of wealth asset scale and revenue generation capability demonstrates the market recognition of Zhengzhou Bank’s wealth brand and the soundness of business development, and it also reflects the bank’s professional service capability in wealth management.

Highlight 9: Optimize the investment structure—bond investments grow steadily

Zhengzhou Bank has always adhered to prudent, sound, and risk-controlled investment principles. It continuously optimized its investment layout, scientifically balanced risk and return, improved its asset structure, and promoted compliant, steady, high-quality development of its investment business.

In investment strategy, the bank strictly follows regulatory requirements, strengthens macro market assessment and risk control, and steadily increases the proportion of standardized bond investments. Meanwhile, relying on the “Southbound Tong” channel, it complies with regulations to expand investments in offshore Renminbi-denominated assets, enriches sources of income, optimizes income structure, and enhances overall earnings stability. In terms of interbank cooperation, it continues to deepen compliant collaboration with interbank partners, optimize cooperation frameworks, and improve synergy efficiency, achieving resource sharing and complementary advantages. This effectively enhances business development resilience and risk resistance, and comprehensively improves value creation capability.

As of the end of the reporting period, the total amount of the bank’s investment products under investment bonds and trust plans, investment products managed by securities firms, and other securities-type financial assets reached 235.041 billion yuan, up 32.787 billion yuan from the end of the previous year, a growth rate of 16.21%. Among them, total bond investment was 181.639 billion yuan, up 27.00%, with the share of standardized assets steadily improving. The total amount of trust plans, broker asset management, and other securities-type financial assets was 53.402 billion yuan, down 9.84% year over year. The non-standard investment scale continued to be reduced, with asset allocation becoming more prudent and the risk structure continuing to optimize.

Highlight 10: Closing the “last mile” for inclusive finance that benefits businesses and residents—inclusive micro and small loan balance reaches 57.326 billion yuan

As of the end of the reporting period, Zhengzhou Bank’s inclusive micro and small loan scale increased steadily, reaching 57.326 billion yuan, up 3.641 billion yuan from the end of the previous year, with a growth rate of 6.78%. Benefiting inclusive micro and small operating entities continued to expand: the number of customers with outstanding loans increased to 78,680 households, net adding 8,684 customers compared with the end of the previous year. The coverage and service quality and efficiency of inclusive finance improved simultaneously, and financial liquidity was delivered precisely to micro and small real-economy businesses.

First, product iteration + innovation empowerment to precisely match micro and small enterprises’ financing needs. The bank focused tightly on the core financing pain points of inclusive clients in the business category, and pursued two paths—product optimization and innovation upgrade—to comprehensively achieve improvements in both financial service efficiency and customer experience. On the one hand, it focused on simplifying business processes, integrating two major core inclusive products, “Yan-shop Loan” and “Market Loan,” unifying business handling standards and end-to-end operational rules, simplifying processing steps, compressing approval timelines, and reducing customers’ need to run around as much as possible, thereby improving convenience in business handling for micro and small clients and solving the traditional problems of cumbersome loan procedures and lengthy processes. On the other hand, based on digital transformation, it launched a heavy-weight dedicated inclusive credit product “Zhenghui Loan,” innovatively adopting a dual risk-control model of “digital risk control + deep-dive due diligence,” and supporting a core function of “three-stage step-by-step credit granting,” breaking limitations of traditional credit granting models. It precisely matched small, high-frequency, urgently needed financing demand of inclusive operating groups such as individual industrial and commercial households and owners of micro and small enterprises, achieving precise alignment between financial services and local featured industries and real-economy development. As of the end of the reporting period, “Zhenghui Loan” had cumulatively granted credit of 1.746 billion yuan, with loan balances stable at 1.434 billion yuan, becoming a core financial product helping micro and small operating entities get through difficulties.

Second, improve the quality and efficiency of consumer finance to build differentiated and convenient service experiences. It simultaneously advanced upgrades to consumer finance service. Focusing on personal consumer credit scenarios, it continued refining the “Zheng e-loan Consumer” service brand and built differentiated, refined service competitiveness. For customer groups with different income cycles and different consumption needs, it precisely matched personalized repayment needs, designed tailored differentiated repayment support plans, flexibly adjusted repayment schedules, effectively alleviating customers’ repayment pressure while balancing convenience and warmth in financial services. At the same time, it accelerated approval and processing efficiency, deeply optimized an end-to-end automated approval mechanism, and officially launched a paperless online signing function, abandoning the traditional offline paper-based document transfer process. This enabled consumer credit to be handled fully online and intelligently, truly allowing customers to enjoy efficient consumer finance services of “fast review, fast approval, and fast lending.”

Third, cooperation between governments and banks + deep offline cultivation to build an ecosystem of inclusive financial services across the entire area. It deepened multi-party coordination and linkage between government agencies, banks, and enterprises, and actively connected with local governmental financial platforms. It conducted strategic deep cooperation with the “Zhenghao Rong” platform, breaking down barriers between government affairs data and financial services, and building an all-round and diversified inclusive finance service ecosystem. It efficiently matched financing needs of enterprises and individual industrial and commercial households. During the reporting period, through the “Zhenghao Rong” platform, the bank cumulatively accepted 1,327 financing applications from various operating entities, successfully achieving a total credit amount of 1.484 billion yuan, effectively leveraging the advantages of the government affairs platform to improve financing matching efficiency and precision.

Meanwhile, it steadily advanced the construction of offline service locations, continuously extending the reach of financial services. It built and operated 23 offline financial service harbors on a regular basis, sinking financial services into communities, commercial districts, and industrial parks. It faced directly the financial needs of micro and small clients and residents, breaking down the “last mile” barrier of financial services. This made inclusive finance more grounded and more responsive to people’s needs, truly achieving two-way efforts in benefiting businesses and convenience for residents.

(CIS)

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