BANKOFZHENGZHOU released its unaudited interim results for the six months ended 30 June 2026. Operating income edged up 0.82% year-on-year to RMB 6.75 billion, while net profit attributable to shareholders increased 3.03% to RMB 1.68 billion. Basic and diluted EPS stayed at RMB 0.18.

Total assets grew 6.32% from end-2025 to RMB 790.70 billion, driven mainly by a 24.20% jump in interbank placements and a RMB 8.52 billion rise in customer loans, which closed at RMB 418.78 billion. Customer deposits rose 11.02% to RMB 514.13 billion, lifting the loan-to-deposit ratio to 88.60%.

Asset quality improved modestly. The non-performing loan (NPL) ratio fell 3 basis points to 1.68%, while NPL coverage stood at 182.99%. Allowance to total loans was 3.18%.

Net interest margin narrowed to 1.52% from 1.64% a year earlier, reflecting lower market rates. Net fee and commission income declined 17.32% to RMB 0.19 billion, mainly on lower custody, guarantee and card service fees.

Capital remained solid. The core tier-1 capital adequacy ratio slipped to 8.20%, tier-1 to 10.06% and total capital adequacy to 11.32%, all above regulatory minimums. Liquidity indicators improved, with the liquidity coverage ratio climbing to 305.04%.

No interim cash dividend, bonus share or capitalisation plan was proposed.

Funding activities continued: • May 2024 – issued RMB 2.00 billion three-year green financial bonds at 2.25%. • Aug 2026 – after the reporting date, completed a RMB 6.00 billion 10-year tier-2 capital bond at 1.97%.

Looking ahead, management plans to deepen corporate, retail and treasury businesses, pursue digital transformation, and keep asset quality and capital strength at the core of its strategy.