在银行业整体承压的2024年, 郑州银行 交出了一份看似稳健的财报,资产规模突破6700亿元,存贷款增速均超7%,不良率微降,拨备覆盖率提升。但穿透这些表面光鲜的指标,一组异常数据引发关注——在税前利润增长2.69%的情况下,净利润增幅仅0.21%,两者增速差创近五年新高。更值得警惕的是,所得税费用异动揭示出利润调节痕迹,净利息收益率36BP的断崖式下跌,以及逾期贷款激增31.8%的资产质量警报,...
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