Core Viewpoint - The article emphasizes the importance of financial consumer rights protection and the need for awareness against various types of financial fraud, particularly in the context of corporate employees [1] Group 1: Financial Consumer Rights Protection - The Minsheng Bank Tai'an Branch conducted a consumer rights protection awareness event at Hengxin High-Tech Energy Co., Ltd, aiming to enhance employees' understanding of financial safety [1] - The event highlighted common types of financial fraud, including investment scams, lottery scams, and telecom fraud, using relatable examples to educate employees [1] Group 2: Fraud Prevention Strategies - Employees were advised to adhere to the "three no principles": do not seek small advantages, do not trust "insider" information, and do not disclose personal information to reduce the risk of being scammed [1] - Special training was provided for corporate financial personnel, emphasizing the importance of verifying and confirming transactions before making transfers to enhance the security of corporate funds [1] Group 3: Ongoing Efforts and Community Engagement - The event distributed over 200 informational brochures, reaching more than 700 employees, indicating a commitment to ongoing education and awareness in the community [1] - Minsheng Bank Tai'an Branch plans to continue focusing on corporate outreach and expanding fraud prevention awareness to foster a "national anti-fraud" atmosphere [1]

Group 1 - The core idea of the news is to enhance financial consumer rights awareness among employees through a collaborative event between Minsheng Bank and Tai'an HeKang Hospital, focusing on financial safety and health protection [1][2] - The event featured knowledge lectures, case analyses, and interactive lottery activities, successfully integrating financial consumer protection with health knowledge, which was well-received by employees [1] - Minsheng Bank staff emphasized the "Three No's and One More" principle to prevent financial fraud, highlighting the importance of vigilance against scams and protecting personal information [1] Group 2 - The interactive lottery at the event included prizes such as financial knowledge manuals, health check-ups, and practical daily necessities, encouraging employee participation and enhancing understanding of financial consumer protection and health knowledge [2] - This cross-industry collaboration innovated the consumer protection promotion model, achieving a greater impact than traditional methods, and the bank plans to continue similar initiatives to raise public risk awareness [2]

Core Points - The event organized by Minsheng Bank in the Tai'an Lijing Garden community aimed to enhance residents' awareness and ability to prevent telecom fraud through a jianzi (shuttlecock) kicking competition combined with anti-fraud education [1][2] - Bank staff distributed anti-fraud pamphlets and explained common scams, particularly focusing on "investment in pension projects" targeting elderly residents, warning them about high-return scams that could lead to property mortgage or pension investment [1] - The event also highlighted the "online part-time job" scam, which lures victims with promises of high pay and requires them to make large deposits after initial small returns, ultimately leading to financial loss [1] - Real case analyses were shared to deepen residents' understanding of the severity and dangers of fraud, enhancing their self-protection capabilities [1] - The integration of sports and anti-fraud education not only provided enjoyment but also strengthened the relationship between the bank and the community, reflecting the bank's commitment to social responsibility [2]

Core Viewpoint - The article highlights a community anti-fraud campaign organized by Minsheng Bank to enhance the fraud awareness of middle-aged and elderly individuals, aiming to protect their retirement funds [1][2] Group 1: Anti-Fraud Campaign Details - Minsheng Bank's Tai'an Lijing Garden Community Branch organized an anti-fraud awareness event specifically targeting local elderly residents [1] - The event included a presentation using real fraud cases to educate attendees about common scams, such as impersonation of law enforcement and health product fraud [1][2] - Interactive Q&A sessions were held to engage participants, with correct answers rewarded with small gifts [2] Group 2: Types of Scams Discussed - Investment fraud targeting the elderly was identified as a prevalent issue, with scammers promising high returns on fake investment products [2] - The bank staff emphasized the principle that high returns are often associated with high risks, warning participants to be cautious of unrealistic promises [2] Group 3: Community Engagement and Future Plans - The successful event not only raised fraud awareness among the elderly but also strengthened the relationship between the bank and local residents [2] - Minsheng Bank plans to continue its social responsibility efforts by organizing various financial literacy activities to contribute to a safe and harmonious financial environment [2]

Core Viewpoint - The article highlights the increasing prevalence of telecom network fraud targeting the elderly, emphasizing the need for enhanced fraud awareness and prevention measures among this demographic [1][3] Group 1: Fraud Awareness Campaign - Minsheng Bank's Tai'an Lijing Garden Community Branch organized a fraud prevention campaign specifically aimed at the elderly to improve their awareness of financial scams [1] - The campaign included detailed explanations of common fraud types, such as "pension investment" traps, "customer service refund" scams, and "fake lottery" schemes, using real-life examples to illustrate the tactics used by fraudsters [1] - Staff emphasized the danger of high-yield investment promises, warning that any investment claiming "guaranteed high returns" is likely a scam, as high returns are usually associated with high risks [1] Group 2: Practical Training and Community Engagement - The campaign featured hands-on demonstrations, teaching the elderly how to identify fake websites, set up mobile payment security locks, and report suspicious messages and calls [1] - The branch plans to continue monitoring the financial needs and safety concerns of the elderly, regularly conducting similar fraud prevention activities and innovating in their outreach methods [3] - There is a commitment to strengthen community collaboration to create a robust financial fraud prevention network for the protection of the elderly's assets [3]

本次活动取得了良好的宣传效果。在今后的工作中，中国民生银行济南春江郦城社区支行将不断创新宣 传方式、加大宣传力度、拓宽宣传渠道，为更多的金融消费者送去有温度的金融服务，在今后的工作中 持续践行社会责任，为构建和谐、稳定的金融环境贡献力量。 宣传活动开始前，中国民生银行济南春江郦城社区支行通过会议成立了专业宣传小组，确定了此次宣传 活动的主题、和宣传方案。 在科技金融飞速发展的当下，金融安全是保障居民生活的基础。为进一步增强消费者金融风险防范意 识、有效遏制电信网络诈骗犯罪活动，近日，中国民生银行济南春江郦城社区支行开展"反诈防骗、安 全金融"主题宣传活动，以专业的内容，为居民送上一堂实用的"金融安全课"。 民生银行济南春江郦城社区支行首先在网点门口设立宣传台，摆放金融风险提示，宣传折页以图文并茂 的形式，清晰解读了电信网络诈骗的多种套路——如"冒充电商客服退款""虚假投资理财""冒充公检法 办案"等常见骗局的作案手法与识别要点，供往来居民随手取阅。同时，工作人员开展微沙龙宣传讲 座，向社区居民宣讲"远离高息诱惑，警惕非法集资"，通过触目惊心的真实案例，提示大家"承诺保本 高收益必是骗局""无资质机构理财不可信 ...

近期，民生银行济南领秀城支行积极贯彻落实中国人民银行关于现金服务便利化专项工作精神，立足厅 堂，走进商户，加大力度开展"零钱包"兑换服务及整治拒收人民币宣传工作，该举措旨在优化现金使用 环境，提升现金服务水平，提升公众对现金服务的获得感和满意度。 该支行通过设立零钞兑换窗口，足额配备各种小面额现钞，提供"点对点"现金服务。同时成立"零钱 包"宣传小组，组织支行员工在社区、农贸市场等人群密集场所，开展"零钱包"及整治拒收人民币宣传 活动，通过发放宣传资料，积极向广大群众宣传不拒收现金、反假货币、人民币图样使用管理等金融知 识，详细介绍"零钱包"的功能和优势，鼓励广大群众使用人民币、爱护人民币、关注反假币知识，并重 点加强对有零钱和新券兑换需求的客户以及习惯使用现金的老年客户进行人民币防伪知识宣传，向群众 详细讲解假币的防伪识别、不宜流通人民币及残缺污损人民币兑换等知识，现场为客户答疑解惑。并主 动上门向周边商户、菜农等需要大量零钱支付的群体，提供"零钱包"兑换服务，贴心地根据客户需求进 行券别分配，满足客户找零备付的多样化需求。 此次宣传教育活动发出宣传资料二百余份，为各类经营主体及客户兑换"零钱包"40余个， ...

二、中国民生银行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自中国民生银行 政许可决定作出之日起3个月内到任，并将其任职文件及时抄送四川金融监管局。未在上述规定期限内 到任的，本批复文件失效，由四川金融监管局办理行政许可注销手续。 三、中国民生银行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固树立风险 合规意识，熟悉任职岗位职责，忠实勤勉履职。 未尽事项按金融监管总局有关规定办理。 2025年8月28日，四川金融监管局发布批复称，《中国民生银行（600016）股份有限公司关于孙晓光高 级管理人员任职资格许可的请示》（民银报〔2025〕200号）收悉。经审核，现批复如下： 一、核准孙晓光中国民生银行股份有限公司成都分行行长的任职资格。 ...

Investment Rating - The report maintains a "Buy" rating for Minsheng Bank [5][8] Core Views - Minsheng Bank's revenue increased significantly, with a year-on-year growth of 7.83% in the first half of 2025, while the decline in net profit attributable to shareholders narrowed to -4.87% [2][5] - The bank's net interest margin stabilized at 1.39%, with a slight decrease of 2 basis points from the first quarter of 2025 [2][17] - The bank's non-interest income grew by 25.00% year-on-year, contributing to the overall revenue structure [2][21] Financial Performance - In the first half of 2025, Minsheng Bank achieved an operating income of approximately 72.384 billion yuan, with net interest income accounting for 67.97% of total revenue [2][13] - The bank's total interest-earning assets reached 7.39 trillion yuan, reflecting a year-on-year growth of 2.75% [4][22] - The non-performing loan ratio stood at 1.48%, with a slight increase of 2 basis points compared to the previous quarter [4][27] Asset and Liability Structure - As of the first half of 2025, the bank's interest-bearing liabilities amounted to 6.67 trillion yuan, showing a year-on-year increase of 1.38% [4][26] - The composition of interest-bearing liabilities included deposits (64.64%), bond issuance (15.75%), and interbank liabilities (15.85%) [4][26] - The bank's provision coverage ratio was 145.1%, indicating a strong buffer against potential loan losses [4][27] Profitability Forecast - The report forecasts a decline in net profit attributable to shareholders for 2025, with expected growth rates of -2.06%, +1.48%, and +2.69% for the years 2025 to 2027 [5][7]

Core Viewpoint - The listed banks in China have shown strong performance in the first half of the year and are preparing to reward investors with significant mid-term dividends, reflecting their profitability and commitment to shareholder returns [2][4]. Group 1: Dividend Distribution - Among the 42 listed banks in A-shares, nearly half will implement mid-term dividends for 2025, with 17 banks already disclosing their plans, totaling 237.54 billion yuan [2]. - The six major state-owned banks lead in dividend distribution, with Industrial and Commercial Bank of China (ICBC) at the forefront, distributing 50.396 billion yuan, followed by China Construction Bank and Agricultural Bank of China with 48.605 billion yuan and 41.823 billion yuan respectively [2]. - The total dividends from the six major state-owned banks account for 86% of the total dividends announced by the 17 banks [2]. Group 2: Specific Bank Plans - Among joint-stock banks, CITIC Bank, Minsheng Bank, Ping An Bank, and Huaxia Bank have announced their mid-term dividend plans, with CITIC Bank proposing a total of 10.461 billion yuan [3]. - In the city and rural commercial banks, seven banks have announced mid-term dividends, including Ningbo Bank and Shanghai Bank, with Shanghai Bank proposing a cash dividend of 3 yuan per 10 shares [3]. - Four banks have a dividend payout ratio exceeding 30%, including Shanghai Bank and Postal Savings Bank, indicating a strong commitment to returning value to shareholders [3]. Group 3: Market Implications - The expansion of banks implementing mid-term dividends and their willingness to distribute reflects the resilience of the banking sector's profitability and a positive response to shareholder return demands [4]. - This trend indicates improved cash flow and capital management capabilities among certain banks, which may help boost market confidence and attract long-term value investors [4].