智通财经APP讯，徽商银行(03698)公布2025年中期业绩，营业收入211.57亿元，同比增长2.25%;归属于 该行股东净利润为91.09亿元，同比增长5.55%;每股基本盈利 0.66元。 截至2025年6月末，该行不良贷款余额为人民币107.65亿元，比上年末增加人民币8.89亿元;不良贷款率 为 0.98%，比上年末下降0.01个百分点;不良贷款拨备覆盖率为289.94%，比上年末上升3.47个百分点。 截至2025年6月末，该行资产总额为人民币22,518.54亿元，比上年末增加人民币2,381.01亿元，增幅 11.82%。其中，客户贷款和垫款总额为人民币11,005.33亿元，比上年末增加人民币983.67亿元，增幅 9.82%。负债总额为人民币20,852.96亿元，比上年末增加人民币2,332.10亿元，增幅12.59%。其中，客 户存款总额为人民币 12,520.04亿元，比上年末增加人民币1,130.38亿元，增幅9.92% 。 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告之內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不就因本公告全部或任何部分內容而產生或因倚 賴該等內容而引致之任何損失承擔任何責任。 於本公告日期，本行董事會成員包括執行董事孔慶龍；非執行董事馬淩霄、 盧浩、王朝暉、左敦禮、Gao Yang（高央）及王文金；獨立非執行董事戴培昆、 周亞娜、劉志強、殷劍峰、黃愛明及徐佳賓。 * 徽商銀行股份有限公司根據銀行業條例（香港法例第155章）並非一家認可機構，並非受限 於香港金融管理局的監督，及不獲授權在香港經營銀行╱接受存款業務。 Huishang Bank Corporation Limited* 徽商銀行股份有限公司 * （於中華人民共和國註冊成立的股份有限公司） （股份代號：3698） 2025年中期業績公告 徽商銀行股份有限公司（「本行」）董事會（「董事會」）欣然宣佈本行及附屬公司截 至2025年6月30日止六個月之未經審計中期業績。本公告列載本行2025年中期報 告全文，並符合《香港聯合交易所有限公司證券上市規則》中有關中期業績初步公 告附載資料的要求。本行2025年中期報告可於20 ...

Group 1 - The core viewpoint of the announcement is that Huishang Bank aims to enhance business management by establishing a performance assessment management platform that integrates business data for performance evaluation services [1] - The platform will include functionalities such as performance management, planning management, indicator management, program management, assessment evaluation, data analysis, and system management [1] - Huishang Bank is inviting qualified companies to participate in discussions regarding the development of this platform [1] Group 2 - The exchange content includes company introduction, R&D team presentation, performance assessment management platform solutions and technical architecture, implementation case studies from the banking industry over the past three years, and interactive Q&A [2] - Companies must be legally registered entities in China with good operational status and no serious violations or credit issues listed in the national enterprise credit information public system [3] - Interested companies are required to submit their registration information and relevant materials by September 1, 2025, for review and potential participation in the exchange [4] Group 3 - The specific date, location, and method for the exchange will be notified later [5]

Core Viewpoint - Huishang Bank has achieved significant milestones in its 20 years of operation, focusing on high-quality financial services and contributing to local economic development, with total assets reaching approximately 2.25 trillion yuan and a strong position in the global banking sector [2] Group 1: Financial Performance and Growth - As of June 2025, Huishang Bank's total assets are approximately 2.25 trillion yuan, with both deposits and loans exceeding 1 trillion yuan [2] - The bank has been recognized as "excellent" in serving the local economy in Anhui Province and ranked 101st in the 2025 Global Top 1000 Banks by The Banker magazine [2] - The bank's technology loan balance surpassed 200 billion yuan, growing by 19.57% since the beginning of the year [3] - Manufacturing loans reached nearly 160 billion yuan, with an increase of over 18% [3] - The balance of supply chain finance exceeded 20 billion yuan, growing by 48% [3] Group 2: Innovation and Development - Huishang Bank emphasizes innovation, launching various financial products and services, including the first batch of technology innovation bonds worth 5 billion yuan [3] - The bank's investment banking bond issuance exceeded 29 billion yuan, and its custody scale surpassed 1.2 trillion yuan [4] - The bank has developed a digital service platform and upgraded its mobile banking app, with over 11 million users [4] Group 3: Risk Management and Compliance - The bank focuses on comprehensive risk management, enhancing its credit risk digital transformation and establishing a "1+N" smart risk control system [5] - The non-performing loan ratio remains low, reflecting the bank's effective asset quality management [5] - Huishang Bank has received high ratings for compliance with regulations, demonstrating its commitment to internal control and risk management [5]

Core Viewpoint - Chinese commercial banks are committed to high-quality development amidst a complex macro environment, maintaining stable operations, enhancing capital strength, and achieving steady growth in profitability while managing risks effectively [1][2]. Group 1: Current Challenges and Opportunities - The pressure on interest margins is a significant challenge faced by commercial banks, while there remains substantial growth potential in retail banking, particularly in product management and wealth management [1][2]. - The Central Financial Work Conference emphasizes the importance of technology finance, green finance, inclusive finance, pension finance, and digital finance, marking digital finance as a key focus area for future development [2]. Group 2: Digital Financial Transformation - The application of emerging technologies is reshaping financial service scenarios, leading to a shift towards customer-centric, comprehensive financial solutions that cater to diverse consumer behaviors and preferences [5]. - Commercial banks should focus on five business objectives: digital scenarios, digital products, digital channels, digital operations, and digital risk control to leverage technology effectively [6][7][8][10]. Group 3: Financial Technology Applications - In digital scenarios, banks can collaborate with external institutions to provide personalized financial services through mobile banking and open banking, covering various aspects of customers' daily lives [6]. - For digital products, banks can create differentiated product lines based on customer characteristics and integrate blockchain technology for supply chain financing [7]. - Digital channels should be integrated to ensure seamless customer experiences across various platforms, enhancing service continuity and convenience [8]. Group 4: AI Empowerment in Financial Services - AI technologies can enhance service capabilities in various areas, including smart remote banking, smart operations, smart marketing, smart risk control, and smart office [11][12]. - In smart marketing, AI can assist customer managers in generating marketing strategies and improving customer engagement through personalized services [12]. - The integration of AI in risk control can enhance the accuracy and comprehensiveness of risk assessments, thereby improving overall risk management [12]. Group 5: Conclusion and Future Directions - The ongoing application of financial technology and AI can significantly improve the quality and efficiency of financial services provided by commercial banks, enabling them to offer superior service experiences to customers [13].

Core Viewpoint - The governance issues at Huishang Bank have become a critical topic due to the history of corruption among its past chairpersons, leading to questions about the relationship between personnel changes and governance [4][6]. Group 1: Leadership Changes - Huishang Bank announced the resignation of Chairman Yan Chen due to "work adjustment," along with the relinquishment of several key positions [4]. - The new leadership is expected to continue the trend of appointing individuals from the political sphere in Anhui [5]. Group 2: Historical Context - Since its establishment in 2005, Huishang Bank has been characterized by strong ties between politics and business, leveraging local government support for rapid growth [6]. - The bank became the first Anhui city commercial bank to list on the Hong Kong Stock Exchange in 2013, but its growth has been marred by political influences [6]. Group 3: Corruption Cases - Over its 20-year history, five chairpersons have led Huishang Bank, with three ultimately facing corruption charges, a notable statistic among city commercial banks [7]. - The first chairperson, Dai Hedi, was sentenced to 12 years for accepting bribes related to loan approvals [7]. - The fourth chairperson, Wu Xueming, was expelled from the party and investigated for severe violations, including bribery, during a critical phase for the bank [7]. - The third chairperson, Li Hongming, was sentenced to 14 years and 6 months for bribery and abuse of power, with illegal gains exceeding tens of millions [7]. Group 4: Governance and Operational Issues - The recurring theme of corruption among leadership reflects a broader issue of governance within the bank, where external political influences overshadow market-driven governance [8]. - High-level corruption has also been reported among other executives, indicating systemic issues within the bank's operational structure [10]. - The bank's ongoing efforts to return to the A-share market have been hindered by governance deficiencies, shareholder disputes, and compliance issues [11]. Group 5: Financial Performance - Despite governance challenges, Huishang Bank has achieved significant asset growth, reaching a scale of 2 trillion yuan, with projected revenues of 37.1 billion yuan and net profits of 15.9 billion yuan for 2024 [11]. - However, without strengthening governance, the potential benefits of growth may be undermined by non-performing assets and compliance risks [12].

Core Viewpoint - Huishang Bank announced a system upgrade scheduled from September 5, 2025, 18:00 to September 8, 2025, 8:00, during which various services will be temporarily suspended to enhance financial service quality and efficiency [1]. Service Suspension Details - The upgrade will affect multiple services, including third-party payment services like Alipay and WeChat, which will be suspended from September 5, 15:00 to September 8, 8:00 [2]. - Specific services and their suspension times include: - Wealth management sales (non-Huishang wealth management) from September 5, 15:00 to September 8, 8:00 [2]. - Utility payments (water, electricity, gas, etc.) from September 5, 15:00 to September 8, 8:00 [2]. - Credit card transactions, loan applications, and repayments from September 5, 15:00 to September 8, 8:00 [2]. - Debit card services (transfers, withdrawals) from September 5, 18:00 to September 8, 8:00 [2]. - The bank advises customers to prepare for any financial needs or repayments in advance due to the service interruptions [1].

港股内银股集体飘红，其在，农业银行、交通银行涨超1%，中信银行、招商银行、天津银行、浙商银 行、中国银行、工商银行、建设银行、光大银行均有涨幅。 消息上，摩根大通在最新发布的报告中指出，中国银行股有望进一步上涨，因为该行业受益于净息差企 稳以及手续费收入增长。预计A股银行板块潜在涨幅达15%，港股银行板块可能上涨8%。与此同时，外 资对中国股市的前景展望也愈发乐观。瑞银分析师指出，预计流动性驱动的中国股市牛市反弹至少将持 续到9月份。 | 代码 | 名称 | 最新价 | 涨跌幅 √ | | --- | --- | --- | --- | | 01288 | 农业银行 | 5.470 | 1.11% | | 03328 | 交通银行 | 6.910 | 1.02% | | 00998 | 中信银行 | 7.330 | 0.96% | | 02388 | 中银香港 | 36.580 | 0.99% | | 03968 | 招商银行 | 48.940 | 0.91% | | 01578 | 天津银行 | 2.460 | 0.82% | | 03618 | 重庆农村商业银 | 6.220 | 0.81% | | 02 ...

格隆汇8月18日丨徽商银行(03698.HK)宣布，本行将于2025年8月28日（星期四）上午9时30分举行董事 会会议，藉以（其中包括）考虑及批准本行及其附属公司截至2025年6月30日止六个月的未经审计的中 期业绩及其发布以及处理其他事项。 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告之內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不就因本公告全部或任何部分內容而產生或因倚 賴該等內容而引致之任何損失承擔任何責任。 Huishang Bank Corporation Limited* 徽商銀行股份有限公司 * （於中華人民共和國註冊成立的股份有限公司） （股份代號：3698） 董事會會議通告 徽商銀行股份有限公司（「本行」）董事會（「董事會」）謹此宣佈，本行將於2025年8 月28日（星期四）上午9時30分舉行董事會會議，藉以（其中包括）考慮及批准本行 及其附屬公司截至2025年6月30日止六個月之未經審計的中期業績及其發佈以及 處理其他事項。 徽商銀行股份有限公司* 董事會 中國安徽省合肥市 2025年8月18日 於本公告日期，本行董事會成員包括執行董事孔慶龍；非執行董事馬淩霄、盧 浩、王朝暉、左敦禮、Gao Yang（高央）及王文金；獨立非執行董事戴培昆、周亞 娜、劉志強、殷劍峰、黃愛明及徐佳賓。 * 徽商銀行股份有限公司根據銀行業條例（香港法例第155章）並非一家認可機構，並非受限 於香港金融管理局的監督，及 ...