郑州银行股份有限公司 BANK OF ZHENGZHOU CO., LTD. 2019年度报告 （A股） 郑州银行股份有限公司 2019 年度报告 第一章 重要提示、目录和释义 本行董事会、监事会及董事、监事、高级管理人员保证年度报告内容的真实、准确、完整，不存在虚假记载、误 导性陈述或重大遗漏，并承担个别和连带的法律责任。 报告期内，本行未发现存在对本行未来发展战略和经营目标产生不利影响的重大风险。本报告详细描述了本行 在经营管理中面临的主要风险及本行采取的应对措施，具体请查阅本报告"经营情况讨论和分析"章节中"风 险管理"和"未来展望"相关内容。 1 | 目录 | | --- | | 第一章 重要提示、目录和释义 1 | | --- | | 第二章 公司简介 5 | | 第三章 会计数据及主要财务指标摘要 10 | | 第四章 董事长致辞 14 | | 第五章 行长致辞 16 | | 第六章 经营情况讨论和分析 18 | | 第七章 股本变动及股东情况 63 | | 第八章 优先股发行情况 75 | | 第九章 董事、监事、高级管理人员、员工及机构情况 77 | | 第十章 公司治理报告 99 | | 第 ...

Financial Performance - Operating income for Q3 2018 reached RMB 2,879,173,000, an increase of 20.42% year-on-year[6] - Net profit attributable to shareholders for Q3 2018 was RMB 1,069,238,000, a decrease of 1.03% compared to the same period last year[6] - Basic earnings per share for the first nine months of 2018 were RMB 0.65, an increase of 3.17% year-on-year[6] - The net profit for the third quarter of 2018 was RMB 3.476 billion, reflecting a year-on-year increase of RMB 62 million or 1.82%[23] - The net profit attributable to shareholders for 2018 is expected to be between RMB 4,280,024 thousand and RMB 4,708,026 thousand, reflecting a growth of up to 10% compared to 2017[42][43] Assets and Liabilities - Total assets as of September 30, 2018, amounted to RMB 457,756,928,000, reflecting a growth of 5.03% from the end of the previous year[8] - The bank's total liabilities stood at RMB 419,077,868,000, up by 4.15% from the previous year-end[8] - Total loans and advances reached RMB 153,094,041,000, marking a significant increase of 19.18% year-on-year[8] - Total deposits increased to RMB 271,272,129,000, representing a growth of 6.21% since the beginning of the year[8] - The bank's equity attributable to shareholders reached RMB 38,679,060,000, an increase of 15.67% from the previous year-end[8] Capital and Ratios - The capital adequacy ratio stood at 13.54%, with a provision coverage ratio of 157.75% and a non-performing loan ratio of 1.88%, all meeting regulatory requirements[23] - The core tier 1 capital adequacy ratio improved to 8.66% from 7.93% in the previous year[17] - The bank's liquidity coverage ratio was reported at 193.72%, significantly above the regulatory minimum of 90%[19] - The loan-to-deposit ratio was 56.44%, well within the regulatory limit of 75%[15] - The bank's total capital net amount increased to RMB 46.322 billion, up from RMB 41.614 billion at the end of 2017[17] Income and Expenses - The bank reported a net investment income of CNY 1,538,865 thousand for the first nine months of 2018, a significant increase of 3,007.12% compared to CNY 49,527 thousand in the same period of 2017[34] - The bank's fair value changes resulted in a net gain of CNY 523,541 thousand, compared to a loss of CNY 27,803 thousand in the previous year, attributed to the new financial instrument standards implemented on January 1, 2018[34] - The bank experienced a foreign exchange net gain of CNY 57,837 thousand, recovering from a loss of CNY 107,721 thousand in the previous year, due to the appreciation of the US dollar[34] - The bank's asset impairment losses increased by 33.57% to CNY 1,455,329 thousand, driven by higher provisions for loans and investments[34] - The bank's tax and additional charges rose by 31.60% to CNY 65,896 thousand, primarily due to increased property taxes[34] Strategic Initiatives - The bank launched new financial products including "Small Credit Loans" and "E-Purchase Loans" to enhance its small and micro enterprise financing capabilities[23] - The bank received recognition for its product innovation, winning the Best Product Innovation Award from "Banker" magazine for 2017[23] - The bank's focus on public marketing and the development of the "Five Clouds" platform indicates a strategic shift towards enhancing corporate financial services[23] Changes in Financial Position - The amount of funds borrowed from the central bank increased by 158.46% to RMB 4,134,200 thousand, indicating a strategic adjustment in asset-liability management[38] - The bank's other liabilities increased by 62.40% to RMB 2,091,393 thousand, attributed to an increase in funds for settlement[38] - The bank's capital reserve rose by 69.03% to RMB 5,163,654 thousand, driven by the issuance of A-shares during the quarter[38] - The bank's derivative financial liabilities surged by 335.20% to RMB 140,613 thousand, reflecting changes in market liquidity conditions[38] - The bank's financial investments measured at amortized cost totaled RMB 169,087,911 thousand, marking a significant addition in the current period[38]