Bank of Zhengzhou : Interim Report 20222022-12-07

鄭州銀行股份有限公司

BANK OF ZHENGZHOU CO., LTD.

（於中華人民共和國註冊成立的股份有限公司）

(A joint stock company incorporated in the People's Republic of China with limited liability)

股份代號 Stock Code: 6196

優先股股份代號 Preference Shares Stock Code: 4613

INTERIM REPORT 2022 中期報告

CONTENTS

IMPORTANT NOTICE	2
DEFINITIONS		3
CHAPTER I	CORPORATE INFORMATION AND MAJOR
	FINANCIAL INDICATORS	6
CHAPTER II	MANAGEMENT DISCUSSION AND ANALYSIS	12
CHAPTER III	CHANGES IN SHARE CAPITAL AND
	INFORMATION ON SHAREHOLDERS	73
CHAPTER IV	PREFERENCE SHARES	85
CHAPTER V	DIRECTORS, SUPERVISORS, SENIOR MANAGEMENT,
	STAFF AND INSTITUTIONS	88
CHAPTER VI	CORPORATE GOVERNANCE	99
CHAPTER VII	SIGNIFICANT EVENTS	103
CHAPTER VIII	INDEPENDENT AUDITOR'S REVIEW REPORT	117

• This Report is prepared in both Chinese and English. If there are any discrepancies between the Chinese and English versions, the Chinese version shall prevail.

IMPORTANT NOTICE

The Board of Directors, Board of Supervisors and Directors, Supervisors and senior management of the Bank hereby warrant the truthfulness, accuracy and completeness of the contents of this interim report and that there are no false representations, misleading statements or material omissions, and jointly and severally assume liability for the information hereof.

The 2022 interim report (the "Report") and the announcement of interim results were reviewed and approved at the Bank's sixth meeting of the seventh session of the Board of Directors held on 30 August 2022; 12 Directors were eligible to attend the meeting and 12 of them attended in person, with several Supervisors of the Bank being in attendance.

Unless otherwise specified, the financial information set out in this Report represents data from the consolidated financial statements of the Bank and its subsidiaries, namely Henan Jiuding Financial Leasing Co., Ltd., Fugou Zhengyin County Bank Co., Ltd., Xinmi Zhengyin County Bank Co., Ltd., Xunxian Zhengyin County Bank Co., Ltd. and Queshan Zhengyin County Bank Co., Ltd.

The 2022 interim financial report prepared in accordance with China Accounting Standards for Business Enterprises and International Financial Reporting Standards by the Bank was unaudited. Ernst & Young Hua Ming LLP and Ernst & Young had reviewed the Report in accordance with the PRC and Hong Kong Review Standards, respectively.

Mr. WANG Tianyu, the legal representative and chairman of the Board, Mr. SHEN Xueqing, the president, Mr. SUN Haigang, the person-in-charge of accounting, and Ms. GAO Chenxin, the head of accounting department of the Bank hereby declare and warrant the truthfulness, accuracy, and completeness of the financial statements in this Report.

The Bank had no plan to distribute cash dividend, bonus share, or issue new shares by way of conversion of capital reserve for the first half of 2022.

Forward-looking statements such as future plans mentioned in this Report do not constitute actual commitments of the Bank to investors. Investors and parties concerned should be fully aware of the risks, and understand the differences among plans, estimates and commitments.

During the Reporting Period, the Bank was not aware of any material risk that would adversely affect its future development strategies and business targets. The details of the major risks to which the Bank was exposed in its operations and management and the corresponding measures adopted by the Bank are described in this Report. For details, please refer to the information in the section headed "Risk Management" in the chapter headed "Management Discussion and Analysis" of this Report.

Interim Report 2022 • Bank of Zhengzhou Co., Ltd.

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DEFINITIONS

In this Report, unless the context otherwise requires, the following terms shall have the meanings set forth below:

"2021 AGM"	the annual general meeting of the Bank convened on 10 June 2022
"Articles of Association"	the articles of association of the Bank, as amended from time to time
"A Share(s)"	ordinary share(s) with a nominal value of RMB1.00 each in the share capital
	of the Bank, which are listed and traded on the SZSE (stock code: 002936)
"A Shareholder(s)"	holder(s) of A Share(s)
"Bank", "Bank of Zhengzhou", or	Bank of Zhengzhou Co., Ltd.* (鄭州銀行股份有限公司), a joint stock
"we"	company incorporated in the PRC with limited liability on 16 November
	1996 in accordance with the PRC laws, and, if the context requires,
	includes its predecessors, subsidiaries, branches and sub-branches
"Board" or "Board of Directors"	the board of Directors of the Bank
"Board of Supervisors"	the board of Supervisors of the Bank
"Capitalization Issue"	the issue of one new Share for every 10 Shares held by way of
	capitalization of capital reserve in 2021 as the dividend distribution plan of
	the Bank for the year ended 31 December 2020
"CBIRC"	China Banking and Insurance Regulatory Commission
"CBIRC Henan Office"	China Banking and Insurance Regulatory Commission Henan Office
"Company Law"	the Company Law of the People's Republic of China
"Corporate Governance Code"	the Corporate Governance Code set out in Appendix 14 to the Stock
	Exchange Listing Rules
"CSRC"	China Securities Regulatory Commission
"Director(s)"	the director(s) of the Bank
"Fugou Zhengyin County Bank"	Fugou Zhengyin County Bank Co., Ltd. (扶溝鄭銀村鎮銀行股份有限公司)
"Group"	the Bank and its subsidiaries
"Hong Kong"	the Hong Kong Special Administrative Region of the PRC

3 Bank of Zhengzhou Co., Ltd. • Interim Report 2022