BANKOFZHENGZHOU has released its 2025 Sustainability (ESG) Report, detailing solid progress across environmental, social and governance dimensions alongside steady financial results.

Key financials • Total assets: RMB 743.67 billion • Total deposits: RMB 463.08 billion • Total loans: RMB 410.26 billion • Operating income: RMB 12.94 billion • Net profit: RMB 1.91 billion • ROA: 0.27%; ROE: 3.16% • NPL ratio: 1.71%; allowance coverage: 185.81%

Green and inclusive finance • Green credit balance rose 39.56% year-on-year to RMB 13.69 billion, supported by the bank’s first sustainability-linked loan, its largest single green-bond investment and a new distributed green finance product. • Inclusive loans to micro and small enterprises reached RMB 57.33 billion, up 6.78%, while agriculture-related loans stood at RMB 51.72 billion. • Technology finance loans grew 25.57% to RMB 33.24 billion after the launch of the credit-based “Enterprise Benefit Loan” and four new technology-focused sub-branches.

Governance and risk control • ESG oversight rests with the board, supported by a multi-level management structure and integration of ESG metrics into senior remuneration. • The bank held 32 compliance-culture trainings with 70,800 participant attendances and reported no major intellectual-property disputes, data breaches or corruption cases.

Customer focus and digitalisation • Customer satisfaction scored 96.31%; the complaint handling rate was 100%. • A HarmonyOS version of its mobile banking app and AI-enabled risk-control engines underpin a wider digital transformation, including real-time anti-fraud monitoring of 2.2 million transactions per day.

Environmental performance • Total Scope 1 and 2 greenhouse-gas emissions were 6,539 tCO₂e; identified Scope 3 emissions from employee commuting were 78 tCO₂e. • Direct energy consumption totalled 500.84 MWh; indirect energy consumption reached 12,586.00 MWh.

Human capital • Headcount stood at 5,530, with a 100% training coverage rate and 898,851 training hours delivered. • Employee turnover was 2.63%; no work-related fatalities occurred during the year.

Accolades and assurance The report received independent limited assurance from Lianhe Equator under AA1000AS v3 and highlighted multiple third-party awards, including the “2025 ESG Pioneer 60 – Annual ESG Green Finance Award.”

BANKOFZHENGZHOU states that it will continue to align its growth trajectory with national low-carbon objectives and deepen its “finance for the people” commitments while strengthening ESG governance and risk controls.