Core Viewpoint - The ongoing reform of rural financial institutions in China is leading to the consolidation of local banks, with several banks absorbing village banks and converting them into branches, indicating a trend towards the restructuring of small and medium-sized financial institutions in the country [1][2][3]. Group 1: Consolidation of Village Banks - Qingnong Commercial Bank announced the absorption and merger of three village banks, converting them into branches, marking its entry into the "village-to-branch" reform [2]. - Guangzhou Rural Commercial Bank has also approved the merger of five village banks into branches, further demonstrating the trend among listed banks to participate in the reform [3]. - Industrial and Commercial Bank of China (ICBC) has acquired a village bank in Chongqing, establishing it as a branch, representing the first instance of a state-owned bank directly participating in such a merger this year [3]. Group 2: Closure of Bank Branches - Liaoning Rural Commercial Bank has closed at least 55 branches this year, with regulatory approval for 18 closures in June alone, indicating a significant reduction in its operational footprint [5][6]. - The closures are part of a broader strategy to streamline operations and improve efficiency within the bank's network [5][6]. - The bank's restructuring efforts follow its establishment as a provincial-level unified legal entity, which has drawn attention to its operational strategies [6][7]. Group 3: Financial Performance of Merged Entities - The three village banks absorbed by Qingnong Commercial Bank reported significant losses in 2024, with net losses of 150.9 thousand, 405.6 thousand, and 1,915.7 thousand respectively [2]. - The financial struggles of these banks highlight the challenges faced by smaller financial institutions in maintaining profitability [2]. Group 4: Digital Transformation Efforts - Liaoning Rural Commercial Bank is actively pursuing digital transformation, including the deployment of large model technology for applications in marketing and customer service [7].

盘面上，权重科技股集体下挫，百度集团跌超4%，哔哩哔哩、阿里巴巴跌超3%；影视股走低，阿里影 业跌超5%；餐饮股低迷，特海国际跌超10%；此外，啤酒、旅游及观光、核电、苹果概念、煤炭股等 低迷。 另一方面，金价走强带动黄金股逆势上涨，潼关黄金涨超9%；内银股活跃，盛京银行涨3%；汽车零 件、农业股、消费电子产品、航空股等上涨。 具体来看： 权重科技股集体下跌，百度集团跌超4%，哔哩哔哩、阿里巴巴跌超3%，快手、小米集团、网易跌超 2%，京东集团、美团、腾讯控股等跟跌。 | 代码 | 名称 | | 最新价 | 涨跌额 | 涨跌幅 ^ | | --- | --- | --- | --- | --- | --- | | 09888 | 百度集团-SW | (0) | 82.650 | -3.450 | -4.01% | | 09626 | 哔哩哔哩-W | | 140.300 | -5.700 | -3.90% | | 09988 | 阿里巴巴-W | | 119.100 | -4.000 | -3.25% | | 01024 | 快手-W | | 48.850 | -1.500 | -2.98% | | 0181 ...

复旦大学管理学院与盛京银行上海分行签署全面战略合作协议，复旦大学管理学院副院长孙一民作为代 表与盛京银行上海分行签署协议。此次合作将构建创新生态链，搭建"学术-产业-金融"三方对话平台， 共同推动产学研深度融合，助力发展新质生产力。 论坛主旨演讲环节，复旦大学管理学院教授、博士生导师、复旦大学智慧城市研究中心主任凌鸿以"AI 的新突破与应用展望"为题，深入探讨人工智能领域的最新进展与未来趋势，指出近年来AI在算法优 化、数据处理能力、计算效率等方面取得了革命性突破，极大地推动了各行业的创新与变革，并强调未 来科研机构、企业和政府应加强合作，共同推动AI技术的创新。 圆桌论坛环节，复旦大学管理学院教授、博士生导师、复旦大学智慧城市研究中心主任凌鸿；上海深擎 信息科技有限公司董事长柴志伟；阿里云通义实验室企业解决方案总经理、资深专家傅杰；帆软软件有 限公司副总裁付一然；黑湖科技有限公司联合创始人兼CMO肖哲与盛京银上上海分行代表一同围绕"AI 如何赋能产业"等人工智能相关议题进行深入探讨，以期助力行业高质量发展，推动经济持续回升向 好。 未来，盛京银行上海分行将坚持守正创新，聚焦AI前沿技术发展，积极拓展AI潜在 ...

Core Viewpoint - The asset quality data of 30 listed city commercial banks in 2024 shows significant divergence, with varying non-performing loan (NPL) ratios and provision coverage ratios reflecting different operational strategies and regional economic impacts [1][3][5]. Non-Performing Loan Ratios - Chengdu Bank has the lowest NPL ratio at 0.66%, continuing a three-year improvement trend, while Harbin Bank has the highest at 2.84% [1][3]. - The first tier of banks, including Chengdu, Xiamen, Hangzhou, Ningbo, Nanjing, and Suzhou, all maintain NPL ratios below 1% [3]. - The second tier consists of 17 banks with NPL ratios between 1% and 2%, indicating manageable risk levels despite narrowing net interest margins [3]. - The tail end, including Harbin Bank and Shengjing Bank, shows NPL ratios exceeding 2%, with Harbin Bank slightly decreasing from 2.89% in 2022 to 2.84% in 2024 [3][4]. Provision Coverage Ratios - Hangzhou Bank leads with a provision coverage ratio of 541.45%, significantly above the regulatory requirement of 150%, despite a decline from its peak [4]. - Suzhou Bank and Chengdu Bank follow with coverage ratios of 483.50% and 479.29%, respectively, forming a quality defense line in the Yangtze River Delta and Chengdu-Chongqing regions [4]. - A middle tier of 14 banks has coverage ratios between 200% and 400%, indicating basic coverage of regional economic risks, but some banks show signs of accelerated provision consumption [4]. Regional Economic Impact - The asset quality is closely linked to regional economic vitality, with the Chengdu-Chongqing economic circle providing unique advantages for Chengdu Bank, which saw a 21% year-on-year increase in infrastructure loans [5][6]. - The Yangtze River Delta shows a mixed performance, with Hangzhou and Ningbo maintaining low NPL ratios due to strengths in digital economy and advanced manufacturing [6]. - The Northeast region faces significant pressure, exemplified by Harbin Bank's high NPL ratio, while Qingdao Bank benefits from the marine economy transformation, keeping its NPL ratio at 1.14% [6].

各位股东： 盛京银行股份有限公司（以下简称"本行"）拟定于2025年6月13日（星期五）召开盛京银行股份有限公司2024年度 股东大会。现将具体事宜通知如下： 辽宁省沈阳市沈河区北站路109号6楼604室。 （四）会议方式 现场会议、投票表决。 二、会议主要内容 一、召开会议基本情况 （一）会议召开时间 2025年6月13日（星期五）上午9时30分。 （二）会议召集人 本行董事会。 （三）会议地点 普通决议案 特别决议案 （一）2024年度董事会工作报告； （二）2024年度监事会工作报告； （三）2024年度财务决算及2025年度财务预算报告； （四）2024年度利润分配方案； （五）聘任2025年度审计师； （六）关于授权办理董事、监事及高级管理人员责任保险购买事宜的议案； （七）建议选举非执行董事； （八）关于收购沈北村镇银行、法库村镇银行、新民村镇银行、辽中村镇银行其他股东股份并将其改建为分支机 构暨吸收合并的议案； 听取事项 （九）2024年度独立非执行董事述职报告； （十）监事会对2024年度董事、监事和高级管理人员履职评价的报告； （十一）2024年度关联交易情况及2025年度关联交易额度控制计 ...

Meeting Details - The 2024 Annual General Meeting of Shengjing Bank will be held on June 13, 2025, at 9:30 AM in Shenyang, Liaoning Province[2]. - The meeting is expected to last no more than half a working day[13]. - The bank will suspend the registration of shareholders from May 24, 2025, to June 13, 2025, to facilitate the meeting[11]. - Shareholders must submit transfer documents by May 23, 2025, to be eligible to attend and vote at the meeting[11]. Agenda Items - The agenda includes the approval of the 2024 financial statements and the 2025 budget report[3]. - A proposal to acquire shares from Shenbei Village Bank, Faku Village Bank, Xinmin Village Bank, and Liaozhong Village Bank to convert them into branches will be discussed[5]. - The bank will appoint auditors for the 2025 fiscal year during the meeting[3]. - The meeting will also address the distribution plan for the 2024 profits[3]. Regulatory Information - The bank is not regulated by the Hong Kong Monetary Authority and is not authorized to conduct banking or deposit-taking business in Hong Kong[14].

在经历了持续的新高之后，今日港A两地银行股集体下挫。 A股中，银行板块指数跌1.69%，其中，华夏银行跌超8%领跌，北京银行、沪农商行、工商银行、农业银行等跌超3%。 多家大型银行首季盈利逊预期 近日多家银行公布的2025年第一季度财报显示盈利增长乏力。 华夏银行2025年一季度净利50.63亿元，同比下降14.04%；贵阳银行一季度收入下滑17%，利润下滑6.8%； 建设银行一季度净利833.5亿元，同比下降3.99%；工商银行一季度净利841.6亿元，同比下降3.99%；中国银行一季度净利543.6亿元，同比下降2.90%；招 商银行一季度净利372.8亿元，同比下降2.08%。邮储银行一季度净利252.4亿元，同比下降2.62%。 厦门银行一季度收入下滑18%，收入回落到12亿元，净利润下滑14%，净利润回落到6.5亿元。 兴业银行一季度收入下滑3.6%，收入回落到557亿元，净利润下滑2.22%，净利润回落到238亿元。 | 股票代码 | 股票简称 | 所属同花顺行业 | 净利润同比增长率(%) ②↑ 2025.03.31 | 净利润(元) ② 2025.03.31 | 营业收入(过) (2) 202 ...

内银股持续走低，盛京银行(02066.HK)跌超8%，邮储银行(01658.HHK)、招商银行(03968.HK)跌超5%， 工商银行(01398.HK)、建设银行(00939.HK)、农业银行(601288.SH)跌超4%。 ...

截至发稿， 盛京银行(02066.HK)跌8.57%、 招商银行(03968.HK)跌3.60%、 邮储银行(01658.HK)跌 3.51%、 工商银行(01398.HK)跌3.47%、 建设银行(00939.HK)跌2.86%。 ...

A股市场已有近8成银行净息差低于市场利率定价自律机制提出的1.8%警戒线。 近年来，尽管包括部分村镇银行在内的地方银行类金融机构不乏极低净息差案例，但在上市银行行列， 净息差跌破1%的还属少数。 随着2024年年报和2025年一季报密集披露，银行业息差压力仍是市场关注焦点。 第一财经梳理发现，随着净息差持续收窄，A股市场已有近8成银行净息差低于市场利率定价自律机制 提出的1.8%警戒线，最低为上海银行的1.17%；港股市场上，盛京银行的净息差已降至0.8%。在未上市 银行中，部分规模不小的城农商行则呈现更紧迫的信号，比如山西银行的净息差已低至0.57%。 近期召开的政治局会议提出"适时降准降息"，市场对新一轮存款利率同步甚至先行调整的猜测升温。受 访人士认为，考虑到大行负债端压力，叠加中小银行存款利率相对偏高，存款利率下调空间更大，中小 银行或成为调降重点。 近8成上市银行净息差降幅收窄 从年报数据来看，目前已有数据的36家A股上市银行净息差较上年同期均有不同程度下行。其中，交通 银行、中信银行降幅最小为1BP，平安银行降幅最大为51BP。城农商行中，张家港行、郑州银行净息差 降幅分别为37BP、36BP。 ...