Core Viewpoint - The implementation of the latest fiscal interest subsidy policy for personal consumption loans aims to boost consumption and expand domestic demand, with several major banks actively participating in this initiative [1][6][7][8][9]. Group 1: Policy Implementation - The fiscal interest subsidy policy for personal consumption loans has been extended until December 31, 2026, covering the period from September 1, 2025, to December 31, 2026 [6][10]. - The credit card installment payment subsidy policy will be effective from January 1, 2026, to December 31, 2026 [6]. Group 2: Policy Optimization - The policy has been optimized to include credit card installment payments, expanding the support range [9][11]. - The subsidy criteria have been broadened by removing the restriction on single transactions of 50,000 yuan and above [9][12]. - The subsidy standards have been improved by eliminating the 500 yuan cap on single transaction subsidies and the 1,000 yuan cap for individual borrowers at the same financial institution [9][12]. - Customers who have previously signed the personal consumption loan subsidy agreement will automatically benefit from the new subsidy policy starting January 1, 2026, without needing to re-sign the agreement [12].

登录新浪财经APP 搜索【信披】查看更多考评等级 ■ 招商银行股份有限公司2025年度业绩快报公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或者重大遗漏，并对其内容 的真实性、准确性和完整性承担法律责任。 本公告所载2025年度主要财务数据为招商银行股份有限公司（简称本公司或本行）初步核算的集团口径 数据，未经会计师事务所审计，具体数据以本公司最终披露的2025年度报告财务数据为准，请投资者注 意投资风险。 一、主要财务数据和指标 ■ 注： 1. 基本每股收益和加权平均净资产收益率根据《公开发行证券的公司信息披露编报规则第9号一一净资 产收益率和每股收益的计算及披露》计算。本公司在计算基本每股收益和加权平均净资产收益率 时，"归属于本行股东的净利润"扣除了当期优先股股息和永续债利息，"加权平均净资产"扣除了优先股 和永续债。 2. 此处金融工具项目的余额未包含应计利息。 3. 归属于本行普通股股东的每股净资产按扣除优先股和永续债后的归属于本行普通股股东的权益除以期 末普通股股本总数计算。 4. 拨备覆盖率=贷款损失准备／不良贷款余额。 5. 贷款拨备率=贷款损失准备／贷款和垫款总额。 ...

Core Viewpoint - The banking sector is experiencing a trend of increasing mid-term cash dividends, with several banks announcing significant payouts, indicating a stable earnings outlook and attractiveness for conservative investors [1][2][4]. Group 1: Mid-term Dividends - As of January 23, 2025, Huaxia Bank and Chongqing Rural Commercial Bank distributed over 3 billion yuan in cash dividends, contributing to a total of 25 A-share listed banks that have completed dividend payouts [1][2]. - A total of 31 A-share listed banks announced mid-term dividends for 2025, with 25 having released their plans and completed payouts. The six major state-owned banks collectively distributed 204.657 billion yuan, with Industrial and Commercial Bank of China leading at 50.396 billion yuan [2]. - China Merchants Bank made its first mid-term dividend distribution of 25.548 billion yuan, with a per-share payout of 1.013 yuan, marking a 35% dividend ratio, the highest among listed banks [2]. Group 2: Investment Appeal - The banking sector remains attractive for stable funds due to its high dividend yield and stable earnings expectations, particularly for large banks and quality regional banks [3][4]. - Recent share buybacks by major shareholders and executives in banks like Nanjing Bank and Chongqing Rural Commercial Bank indicate confidence in the sector, with Nanjing Bank's major shareholder increasing its stake from 13.02% to 14.02% [3]. - Analysts suggest that the low-risk interest rate environment and the ongoing "asset shortage" make dividend-paying assets appealing, with banks signaling stable earnings growth and improved asset quality [3][4]. Group 3: Future Outlook - The banking industry is expected to continue its earnings recovery trend into 2026, with a stabilizing operating environment and potential for net interest margin recovery, which could enhance profitability [4]. - The market may see a divergence in performance, with high-dividend large banks and quality regional banks likely to outperform, while smaller banks may face challenges related to asset quality and profitability [4].

新华财经北京1月23日电人民银行23日开展1250亿元7天期逆回购操作，操作利率为1.40%，与此前持平；鉴于当日有867亿元7天期逆回 购到期，公开市场实现净投放383亿元。本周人民银行共开展11810亿元7天期逆回购操作，因当周有9515亿元7天期逆回购到期，公开市 场合计实现净投放2295亿元。 上海银行间同业拆放利率（Shibor）短期品种微幅下行。具体来看，隔夜Shibor下跌1.70BP，报1.3960%；7天Shibor下跌0.60BP，报 1.4910%；14天Shibor下跌1.30BP，报1.5770%。 上海银行间同业拆放利率（1月23日） 来源：全国银行间同业拆借中心 据上海国际货币经纪公司交易员消息，23日资金面整体呈现均衡态势。早盘隔夜押利率存单成交在加权+10BP和1.48%-1.50%位置，押信 用成交在1.55%-1.60%位置；7D资金押利率成交在1.53%和加权位置，押存单成交在1.53%-1.55%位置，押信用成交在1.54%-1.58%区间； 跨月14D资金押利率成交在1.58%位置，押信用成交堆积1.60%位置，公开市场操作后，资金面整体变化不大，隔夜押利率存单成交 ...

智通财经APP讯，招商银行(600036.SH)发布2025年度业绩快报，2025年，集团实现营业收入3,375.32亿 元，同比增加0.44亿元，增幅0.01%;利润总额1,789.93亿元，同比增加3.41亿元，增幅0.19%;归属于本行 股东的净利润1,501.81亿元，同比增加17.90亿元，增幅1.21%。 截至2025年12月31日，集团资产总额130,705.23亿元，较上年末增加9,184.87亿元，增幅7.56%;负债总额 117,896.24亿元，较上年末增加8,710.63亿元，增幅7.98%;不良贷款率0.94%，较上年末下降0.01个百分 点;拨备覆盖率391.79%，较上年末下降20.19个百分点;贷款拨备率3.68%，较上年末下降0.24个百分点。 ...

智通财经APP讯，招商银行(600036.SH)发布2025年度业绩快报，2025年，集团实现营业收入3,375.32亿 元，同比增加0.44亿元，增幅0.01%;利润总额1,789.93亿元，同比增加3.41亿元，增幅0.19%;归属于本行 股东的净利润1,501.81亿元，同比增加17.90亿元，增幅1.21%。 截至2025年12月31日，集团资产总额130,705.23亿元，较上年末增加9,184.87亿元，增幅7.56%;负债总额 117,896.24亿元，较上年末增加8,710.63亿元，增幅7.98%;不良贷款率0.94%，较上年末下降0.01个百分 点;拨备覆盖率391.79%，较上年末下降20.19个百分点;贷款拨备率3.68%，较上年末下降0.24个百分点。 ...

1月23日，招商银行发布2025年度业绩快报。2025年，招商银行交出了一份营收和净利润双增长的成绩单：营收同比增长0.01%至3375.32亿元，净利润同比 增长1.21%至1501.81亿元。 资产规模和质量方面，截至2025年12月31日，招商银行资产总额130705.23亿元，较上年末增加9184.87亿元，增幅7.56%；负债总额117896.24亿元，较上年 末增加8710.63亿元，增幅7.98%；不良贷款率0.94%，较上年末下降0.01个百分点；拨备覆盖率391.79%，较上年末下降 20.19个百分点；贷款拨备率3.68%， 较上年末下降0.24个百分点。 四家股份行净利润全部增长 截至目前，A股上市股份行中，已经有招商银行、兴业银行、中信银行和浦发银行四家发布2025年度业绩快报。 | 银行 | 菅收 | 増幅 | 归母净利润 | 増幅 | | --- | --- | --- | --- | --- | | | (亿元) | | (亿元) | | | 招商银行 | 3375.32 | 0.01% | 1501.81 | 1.21% | | 兴业银行 | 2127.41 | 0.24% | ...

Group 1 - Jingzhida signed a sales contract for semiconductor testing equipment worth 1.311 billion yuan, which is expected to positively impact the company's future operating performance if the contract is fulfilled smoothly [1] - Tongyu Communication participated in the A1 round financing of Beijing Blue Arrow Hongqing Technology Co., Ltd., investing 30 million yuan to acquire 1.8293% equity after the capital increase [2] - ST Dongshi's actual controller Xu Xiong was sentenced to six years and six months in prison for manipulating the securities market, along with a fine of 170 million yuan, but this will not affect the company's normal operations [3] Group 2 - In the earnings forecast, China Merchants Bank expects a net profit of 150.181 billion yuan for 2025, a year-on-year increase of 1.21% [5] - Shen Gong Co., Ltd. anticipates a net profit of 90 million to 110 million yuan for 2025, representing a year-on-year growth of 118.71% to 167.31% [5] - Xiangnong Chip expects a net profit of 480 million to 620 million yuan for 2025, with a year-on-year increase of 81.77% to 134.78% [5] Group 3 - Zijin Mining's Jilong Copper Mine Phase II project has been completed, with an annual copper production capacity expected to increase to approximately 300,000 to 350,000 tons [6] - Zhengzhou Coal and Electricity announced that the Super Chemical Coal Mine resources are nearing depletion, leading to a halt in production [7] - Guanhao High-tech plans to shut down the production line of its subsidiary Hongta Renheng due to overcapacity and intensified competition [7]

2025年，招商银行实现营业收入3375.32亿元，同比增加0.44亿元，增幅0.01%；利润总额1789.93亿元， 同比增加3.41亿元，增幅0.19%；归属于该行股东的净利润1501.81亿元，同比增加17.90亿元，增幅 1.21%。 实际上，2025年前三季度，招商银行营收尚处于负增长状态，同比下降0.51%，净利润增幅也仅有 0.51%。全年营收增幅由负转正、净利润增幅实现提升，表明该行在第四季度展现出强劲的业绩修复与 增长动能，经营韧性显现。 1月23日，招商银行发布2025年度业绩快报。2025年，招商银行交出了一份营收和净利润双增长的成绩 单：营收同比增长0.01%至3375.32亿元，净利润同比增长1.21%至1501.81亿元。 截至目前，已有招商银行、兴业银行、中信银行和浦发银行四家股份行披露2025年度业绩快报。营收方 面，仅中信银行1家微降，其余3家均实现增长；净利润则全部实现增长。 招行去年营收和净利润"双增长" 在业绩快报中，招商银行表示，"2025年，集团各项业务稳健开展，总体经营情况良好"。 营收方面，中信银行营收与兴业银行不相上下，均在2100亿元级别，浦发银行营收则增至 ...

截至2025年12月31日，该行资产总额为13.07万亿元，较2024年末增加9184.87亿元，增幅为7.56%；负 债总额为11.79万亿元，较2024年末增加8710.63亿元，增幅为7.98%；不良贷款率为0.94%，较2024年末 下降0.01个百分点；拨备覆盖率为391.79%，较2024年末下降20.19个百分点；贷款拨备率为3.68%，较 2024年末下降0.24个百分点。 本报讯(记者熊悦)1月23日晚间，招商银行（600036）发布2025年度业绩快报公告。业绩快报显示， 2025年，该行各项业务稳健开展，总体经营情况良好。2025年，该行(按集团口径)实现营业收入3375.32 亿元，同比增加0.44亿元，增幅为0.01%；实现归属于该行股东的净利润1501.81亿元，同比增加17.90亿 元，增幅为1.21%。 ...