According to the relevant regulations of Zhongyuan Bank, credit card users can enjoy a three-day grace period for repayment. However, if the arrears are not paid off before the repayment deadline, late fees and interest will be paid, and even a bad credit record may be generated, which will affect future loan and credit card applications. Therefore, it is suggested that cardholders must pay attention to the repayment period to avoid unnecessary losses or influences.
Zhongyuan Bank Co., Ltd. (hereinafter referred to as Zhongyuan Bank or ZYB) is located in Zhengzhou City, Henan Province. Zhongyuan Bank has built a modern enterprise system and corporate governance structure model of "three meetings and one floor", and implemented "first-class legal person, unified leadership, hierarchical operation and authorized operation" with a registered capital of 654.38+05.42 billion yuan, ranking first among city commercial banks in China. It has set up 22 functional departments, including the head office's business department, 17 branch and 444 branch, and initiated the establishment of 9 branches.
By the end of 20 15, Zhongyuan Bank had assets of 3126 billion yuan, net operating income of106.8 billion yuan and net profit of 3.05 billion yuan. 2065438+On February 22nd, 2006, Zhongyuan Bank successfully obtained the qualification of cross-border RMB business.
By the end of June, 2065438+2006, the total assets of Zhongyuan Bank were 386.4 billion yuan, an increase of 85.2 billion yuan or 28.3% over the beginning of the year. Total liabilities were 353.2 billion yuan, an increase of 84.5 billion yuan or 31.4% compared with the beginning of the year; The balance of self-operated deposits was 267.6 billion yuan, an increase of 64.6 billion yuan or 31.9% over the beginning of the year; The balance of various loans was 654.38+058.8 billion yuan, an increase of 23.9 billion yuan or 654.38+07.7% over the beginning of the year.
In the future, Zhongyuan Bank will actively explore the development path of modern commercial banks under the new economic normal, adhere to science and technology, innovation and people-oriented, build Zhongyuan Bank into a modern joint-stock commercial bank with distinctive features and vitality, and lead Zhongyuan with innovation.
As of June 30, 20021year, the total assets of Zhongyuan Bank were 753.002 billion yuan. Total loans (excluding accrued interest) and deposit balance (excluding accrued interest) were 384.994 billion yuan and 448.500 billion yuan respectively, up by 7.8% and 5.5% respectively from the beginning of the year. In the first half of 200210, Zhongyuan Bank realized an operating income of 9710.8 million yuan; The profit before provision was 6.787 billion yuan; The net profit was 265,438+0.65,438+0.2 billion yuan, a year-on-year increase of 4.2%.