智通财经记者 | 张熹珑 香港最大航司国泰航空在内地的业务版图持续扩充。 7月8日，国泰集团数码与信息科技深圳办公室揭幕。这是集团在内地规模最大的办公场所，可容纳超过200名员工，将重点承担全球范围内的系统开发、质 量保证及技术支持任务，同时聚焦中国市场的数字化解决方案。 这是国泰集团位于大湾区的第三个IT办公室。继香港总部的IT办公室后，集团去年11月还在广州开设了第二个IT办公室。国泰数码部总经理邹铭诺接受智通 财经等采访时提及，目前集团IT团队有超过1000名人员，其中大湾区内地城市的IT员工已经达到150人，预计今年年底将增加至200人，较2024年底增长一 倍。 今年4月，国泰集团公布了新的子公司"国泰创科"。国泰数码及信息科技董事方逸翔接受智通财经采访时提及，成立该公司的一个目的在于推广研发成功的 数码产品，其中主力推广的是飞行员使用的"电子飞行文件夹"APP，这样一来也可以增加收益，从而投资新的科技产品。 "数字化水平不断提升，我们发现要完成所有工作，需要扩大人才的版图，项目开展离不开内地的技术支持，因此开设了广深的IT办公室。例如之前小程 序、聊天机器人的开发，在香港定了大方向后，让广州团队配 ...

Group 1 - Santander Bank has received approval to establish a branch in Shenzhen, marking the establishment of a new European-funded bank in the region [1] - Santander Bank, founded in 1857, is the largest commercial bank in Spain and a globally significant bank, with total assets of €1.8 trillion and a net profit of €13.744 billion as of the end of 2024 [1] - The establishment of the new branch signals foreign investors' confidence in the Chinese economy and the Guangdong-Hong Kong-Macao Greater Bay Area market [1] Group 2 - China has been actively expanding high-level financial openness, implementing over 50 measures since 2018 to attract foreign investment and improve the business environment [2] - Recent policies have removed foreign ownership limits in various financial sectors, allowing foreign institutions to enjoy national treatment and expand their business scope [2] Group 3 - Shenzhen is a key destination for foreign financial institutions, with over 35 foreign banks operating in the city, holding total assets exceeding 400 billion yuan [3][7] - The presence of foreign banks in Shenzhen has significantly contributed to the development of the local financial industry, enhancing management practices and technological innovation [7][10] Group 4 - Foreign banks in Shenzhen have been actively involved in cross-border financing and settlement, with nine banks participating in the "Cross-Border Wealth Management Connect" pilot program [8] - These banks have facilitated cross-border investment channels and improved efficiency in corporate account opening and credit approval processes [8][9] Group 5 - Foreign banks are supporting Chinese enterprises in their global expansion by providing a range of financial services, including credit, bond issuance, and risk management [9] - They are also assisting in building supply chains and connecting with local governments and service providers in foreign markets [9] Group 6 - Foreign banks are playing a significant role in promoting green finance in Shenzhen, participating in various sustainable finance initiatives and projects [10] - They are collaborating with local governments to issue offshore RMB bonds, including green bonds and social responsibility bonds, to support urban development and sustainability [10]

今年 2 月，金融监管总局发布《关于港澳银行内地分行开办银行卡业务有关事项的通知》， 外资银行业务范围进一步扩大。随着一系列利好政策的出台，越来越多外资机构 " 加码 " 中 国，分享中国发展红利。 外资银行在深总资产超 4000 亿元 深圳是中国对外开放的重要窗口，也是外资金融机构展业兴业的热门目的地。 【导读】西班牙桑坦德银行深圳分行获批筹建 中国基金报记者 杨晨 近日，国家金融监督管理总局批复同意西班牙桑坦德银行在深圳筹建分行，深圳拟新增一家 欧资银行。 桑坦德银行（ BANCO SANTANDER ）成立于 1857 年，是西班牙最大的商业银行，也是全 球系统重要性银行之一。该行业务覆盖欧洲、拉丁美洲、美国和亚太地区，核心市场包括西 班牙、葡萄牙、英国、波兰、美国、墨西哥、巴西、智利和阿根廷等。 截至 2024 年末，桑坦德银行总资产达 1.8 万亿欧元，全年总收入为 618.76 亿欧元，净利 润为 137.44 亿欧元。桑坦德银行持续深耕中国市场，先后于 2008 年及 2014 年成立上海 分行和北京分行。业内人士认为，时隔十年，桑坦德银行再次在华设立分行，传递出外资坚 定看好中国经济、看好粤港 ...

智通财经APP获悉，中原按揭董事总经理王美凤表示，2025年6月份香港现楼按揭录6,508宗登记，较5 月份4,920宗大幅增加32.3%，数字连升两个月创22个月新高。6月楼花按揭登记亦显著回升至560宗，环 比增加50.9%，扭转5月跌势。至于银行按揭巿占率方面，中银香港现楼按揭巿占率连续9个月稳居首 位，并于楼花按揭巿场连续7个月排名第一。 中原按揭研究部资料显示，6月份现楼按揭录6,508宗登记中，首四位银行巿占率环比上升8.1个百分点至 78.4%。6月份中银香港现楼按揭巿占率环比上升5.8个百分点至34.7%，连续9个月成为现楼巿占冠军； 汇丰银行单月巿占率增加1.8个百分点至22.2%，排名维持第2；恒生银行单月巿占率增加3.4个百分点至 16.1%，保持第3；渣打银行巿占率环比减少0.7个百分点至5.4%，排名升1位至第4。 数据显示，6月份现楼按揭巿占率第5至10位依次为：东亚银行(巿占率4.8%，增0.1个百分点，排名升1 位至第5)；工银亚洲(巿占率3.1%，减5.2个百分点，排名跌2位至第6)；信银国际(巿占率2.5%，增0.5个 百分点，排名升2位至第7)、花旗银行(巿占率1.9%， ...

【导读】 跨境支付通将于6月22日 上线 ，内地和香港各有 6 家银行为首批参与银行，引领 全球跨境支付新潮流 中国基金报记者 吴娟娟 6 月 20 日， 中国人民银行、香港金融管理局 联合发布公告称，共同推动并支持由中国人民 银行清算总中心和香港银行同业结算有限公司开展内地与香港快速支付系统互联互通合作 （以下简称 " 跨境支付通 ），标志着内地 — 香港金融市场互联互通跨越新的里程碑。 据中国人民银行微信公众号， 跨境支付通 是指通过内地网上支付跨行清算系统与香港快速支 付系统 " 转数快 " 连接，在遵从两地相关法律法规的前提下，为两地居民提供实时跨境支付 服务。 跨境支付通 将于 2025 年 6 月 22 日上线，内地和香港各有 6 家银行为首批参与银 行 。 引领全球支付新潮流 香港金融管理局总裁余伟文称， 跨境支付通 为内地与香港金融市场互联互通的另一重要里程 碑。另有金融机构人士称， 跨境支付通 引领全球支付领域新潮流。 中国人民银行在同步发布的 " 答记者问 " 中表示， 跨境支付通 是指将中国内地快速支付系 统与其他货币当局的快速支付系统连接，制定配套政策安排，为中国内地居民与境外居民间 ...

Group 1: Fiscal Data - In the first five months, the national general public budget revenue reached 96,623 billion yuan, a year-on-year decrease of 0.3% [1] - Tax revenue was 79,156 billion yuan, down 1.6% year-on-year, while non-tax revenue increased by 6.2% to 17,467 billion yuan [1] - The securities transaction stamp duty amounted to 668 billion yuan, showing a significant year-on-year growth of 52.4% [1] Group 2: Banking and Finance - The People's Bank of China announced the first batch of institutions participating in the cross-border payment system, including major banks from both mainland China and Hong Kong [2] - Everbright Wealth became the first bank wealth management company to participate in offline IPO subscriptions, successfully bidding for shares in Xintong Electronics [2] - Everbright Wealth's mixed product "Sunshine Orange Absolute Return Strategy" was used for the subscription, indicating a growing trend in bank wealth management participation in equity markets [2] Group 3: Robotics Industry - IDC forecasts that the commercial sales volume of humanoid robots in China will reach nearly 60,000 units by 2030, with a compound annual growth rate of 95.3% [2] - The market is experiencing strong growth, with an estimated 2,000 units expected to be sold in 2024 [2] Group 4: Gaming Industry - In May 2025, China's gaming market size reached 28.051 billion yuan, reflecting a year-on-year growth of 9.86% [3] - The mobile gaming market contributed significantly, with a size of 21.177 billion yuan, up 11.96% year-on-year [3] - The actual sales revenue of self-developed games in overseas markets was 1.577 billion USD, marking a year-on-year increase of 6.93% [3] Group 5: Wine Industry - The wholesale reference price for 2025 Feitian Moutai has dropped to 1,900 yuan per bottle, indicating a decline in market prices [4] - Wuliangye announced a record high dividend payout of 22.3 billion yuan for 2024, with a dividend rate of 70% [5][6] Group 6: Semiconductor Industry - The global semiconductor foundry market is witnessing a shift, with SMIC rapidly closing the gap with Samsung Electronics [6] - SMIC's market share has risen to 6%, while Samsung's has decreased to 7.7%, highlighting a competitive landscape [6] Group 7: Logistics and Technology - Ele.me reported that a logistics supervisor was suspected of job-related crimes and has been reported to the police [7] - Yushu Technology completed a C-round financing of approximately 700 million yuan, with plans for an IPO primarily in the A-share market [7] Group 8: Construction Industry - China Power Construction Company signed new contracts worth 474 billion yuan in the first five months, a decrease of 0.93% year-on-year [8] Group 9: Stock Repurchase - Kailong High-tech received a commitment letter for a stock repurchase loan of 25 million yuan from China Everbright Bank [9] Group 10: Regulatory Actions - ST Aowei received an administrative supervision decision from the China Securities Regulatory Commission for inaccuracies in financial disclosures [10][11] Group 11: Renewable Energy - Guosheng Technology signed a sales contract for photovoltaic components worth 1.043 billion yuan with China General Nuclear Power Group [12]

只需要一个电话号码，两地居民就可以随时随地实现跨境转账实时到账！ 6月20日上午，中国人民银行与香港金融管理局联合举办内地与香港快速支付系统互联互通（以下简称跨境支 付通）启动仪式，中国人民银行行长潘功胜，中央港澳工作办公室副主任、国务院港澳事务办公室副主任王灵 桂，香港金融管理局总裁余伟文出席并致辞，中国人民银行副行长陆磊主持。 跨境支付通是中央政府支持香港发展和便利民生、推动内地与香港合作的又一项重要举措，通过内地网上支付 跨行清算系统与香港快速支付系统"转数快"直接连接，在遵守两地法律法规的前提下，支持参与机构为两地居 民提供高效、便捷、安全的跨境支付服务。跨境支付通将于2025年6月22日上线运行。 潘功胜在启动仪式上表示，近年来，内地和香港的经贸合作、人员往来更加紧密，两地金融管理部门顺应内地 和香港加快融合发展的趋势，相继推出了沪港通、债券通、跨境理财通、互换通等金融合作举措。在此基础 上，人民银行与香港金管局聚焦提升两地支付服务的便利性，进一步推出跨境支付通，这是内地和香港深化金 融合作的又一个重要里程碑，充分体现了中央政府对巩固和提升香港国际金融中心地位的高度重视，体现了中 央政府支持香港长期 ...

港股回暖、跨境理财需求及高才计划推动开户热，香港银行账 户成为连接国际市场的通道。中介们正从激增的投资理财需求 中嗅出新的商机。 作者：刘颖 封图：图虫创意 导读 壹 || 内地用户申请香港银行账户时，最常遇到困难的环节便是预约和排队。 贰 || 多数中介人士表示，协议代办的方式已不可行，客户必须亲自前往香港，但他们可以提 供开户攻略和全程指导。 叁 || "去年开始，香港的银行多次主动找我们公司寻求合作。所以今年我们注册了这家新公 司，专门拓展港卡业务。" 肆 || 数据显示，2024年一季度，汇丰香港新增13万名对私客户；到了2025年一季度，这一数 字飙升至30万名。 20世纪90年代，上海证券交易所门口，人们通宵达旦地排队，等待抢购首批股票认购券。那 时，"黄牛"将认购券的价格哄抬到比股票本身还高的离谱程度。一名资深老股民回忆，他为了购得 一张认购券，无奈之下把新买的永久牌自行车抵押给了"黄牛"。 如今，清晨的中银香港网点门前，长队如龙蜿蜒——这不是抢购限量版球鞋，而是内地客在等待办 理一张香港银行卡。上述资深老股民不禁感慨： 历史总是在变着花样重演，只是当年的认购券， 换成了如今被追逐的香港银行账户 ...

Financial Performance - Profit attributable to owners of the parent increased by 11.9% to HK$4.608 billion in 2024, up from HK$4.118 billion in 2023[20]. - Basic earnings per share rose by 15.2% to HK$1.52, compared to HK$1.32 in the previous year[20]. - The bank's net profit increased by 11.9%, reaching HK$4,118 million for the year[39]. - Basic earnings per share for 2024 were HK$1.52, up from HK$1.32 in the previous year[71]. - The Group reported a profit attributable to shareholders of HK$4.608 billion in 2024, an increase of 11.9% from HK$4.118 billion in 2023[71]. Asset and Deposit Growth - Total consolidated assets reached HK$877.8 billion (US$113.0 billion) as of December 31, 2024, representing a 2.0% increase from HK$860.4 billion in 2023[10]. - Total customers' deposits and certificates of deposit issued increased by 1.3% to HK$664.7 billion from HK$656.2 billion[20]. - Total customers' deposits and certificates of deposit issued were HK$664,671 million, showing a recovery from HK$656,216 million in 2023[32]. - Total deposits from customers rose by 2.3% to HK$643.093 billion, with savings deposits increasing by 14.2%[78]. Loan and Credit Metrics - Total loans and advances to customers and trade bills amounted to HK$534.4 billion, a 0.4% increase from HK$532.5 billion in 2023[20]. - The impaired loan ratio rose to 2.72% from 2.69% in 2023[20]. - The loan-to-deposit ratio was maintained at 80%[32]. - The loan-to-deposit ratio stood at 80.2% at the end of December 2024, down from 81.1% at the end of 2023[79]. Operational Efficiency - The cost-to-income ratio slightly increased to 45.9% from 45.5% in 2023[20]. - Operating expenses increased by HK$202 million, or 2.1%, to HK$9.634 billion, with a cost-to-income ratio of 45.9%[76]. - The cost-to-income ratio improved due to strict cost discipline and productivity gains from ongoing digital transformation initiatives[145]. Digital Banking and Innovation - The bank's digital banking platforms, including the revamped BEA Mobile app, saw significant customer adoption, with expectations for digital revenue growth to outpace other channels[48]. - The revamped BEA Mobile app saw a positive user response, driving higher revenue and facilitating 84% of retail transactions through unmanned channels[112]. - The newly launched digital trading platform, BEA SmarTrade, provides a one-stop solution for trading Hong Kong, US, and Chinese Mainland A shares[140]. - The fintech collaboration platform, BEAST, has enabled the bank to develop AI-driven analytics and operations, enhancing risk and compliance management[50]. Strategic Initiatives - The OneBank strategy aims to enhance cross-boundary banking experiences, leading to a marked increase in new-to-bank accounts and assets under management[44][45]. - The OneBank initiative will continue to be a key focus, aiming to strengthen collaboration across business units and explore cross-border business opportunities[168][176]. - The bank is leveraging its unique OneBank platform to facilitate cross-boundary flows of people, payments, and commerce while continuing to digitalize operations[56]. Market and Economic Context - The Chinese Mainland economy achieved a growth target of 5.0% in 2024, slightly down from 5.2% in 2023[93]. - Hong Kong's economy grew by 2.5% in 2024, supported by a rebound in merchandise exports despite weak private consumption[94]. - The global economy is forecasted to grow by 3.3% in 2025, with risks from trade protectionism and geopolitical tensions[95]. Employee Development and Culture - The bank's workforce as of December 31, 2024, totaled 7,880 employees, down from 8,140 a year earlier, indicating ongoing adjustments in organizational structure[180][188]. - The employee survey response rate for 2024 reached 99%, with 91% of employees expressing enthusiasm and pride in working for the bank[190]. - The bank is committed to upskilling employees, with over 300 GBA specialists trained in 2024, enhancing capabilities in technology and data analytics[185][186]. Risk Management and Compliance - The bank's risk management framework emphasizes a sound risk culture, ensuring all employees are responsible for risk management[195]. - The Group aims to maintain a robust capital adequacy position to support business growth, adhering to regulatory and internal capital ratios[198]. - The Group is committed to having sufficient funds to meet all obligations during crisis scenarios, ensuring business continuity[199].

Group 1 - East Asia Asset Management and East Asia Bank have launched the "East Asia Smart All-Weather Fund" to provide diversified investment options for wealth enhancement [1] - The fund targets a distribution yield of 5.5% to 6%, with the first distribution scheduled for May 14 [1] - The minimum investment amount for the fund is HKD 10,000, and it can be subscribed in USD and RMB equivalents [1] Group 2 - The fund's asset allocation includes 30% to 70% in equities, 30% to 70% in bonds, 0% to 15% in commodities, 0% to 20% in real estate investment trusts, and 0% to 30% in cash [1] - As of February 5, the simulated portfolio distribution was 49.9% in equities, 35.1% in bonds, 9.9% in alternative investments, and 5.1% in cash [2] - The fund's equity holdings consist of 29.1% in US stocks, 13.8% in European stocks, and 7% in Asia-Pacific stocks [2]