12月18日，渤海银行股份有限公司（以下简称"渤海银行"）发布公告，宣布董事会已审议通过一项高级管理人员职务聘任议案。该行拟聘任现任副行长谢凯 兼任首席信息官，其任职资格尚需报请国家金融监督管理总局核准。 根据公告，渤海银行董事会于2025年12月18日审议通过了《关于聘任谢凯先生担任本行首席信息官的议案》。谢凯自聘任生效之日起，将同时担任副行长与 首席信息官，其首席信息官的任期将自监管机构核准其任职资格之日起计算，至其副行长（职业经理人）任期届满之日止。 公告披露的履历显示，谢凯出生于1972年，拥有高级工程师职称及金融学博士学位。其职业生涯长期深耕于大型国有银行的信息科技与网络金融领域，曾在 中国农业银行历任多个关键职务，包括电子银行部电子商务处副处长、处长，科技与产品管理局副总经理，网络金融部副总经理等。在加入渤海银行前，其 最后任职岗位为中国农业银行三农及普惠金融互联网金融管理中心副总经理。谢凯现任渤海银行副行长。 ...

Core Viewpoint - The report indicates that Bohai Bank's rising non-performing loan (NPL) ratio in retail credit is a result of proactive strategic adjustments rather than passive pressure, as the bank aims to optimize its asset structure and customer base for long-term health despite short-term pain [1][2][3] Group 1: Data Behind the Strategy - The increase in consumer loan NPLs is part of a deliberate strategy to clear high-risk assets and address asset bubbles, rather than a sign of uncontrolled risk [2] - From the end of 2017 to 2020, Bohai Bank's consumer loan balance surged from 8.8 billion to 112.7 billion, a nearly 12-fold increase, but this rapid growth led to an imbalanced customer structure with many high-risk borrowers [2][3] Group 2: Transformation Effects - The bank's consumer loan scale significantly decreased from 104.7 billion in 2022 to 37.5 billion in 2024, a reduction of over 64%, while the NPL ratio rose due to the lag in risk exposure and asset disposal [3][4] - The bank has successfully cleared high-risk assets, leading to a notable improvement in asset quality, with new NPLs showing a significant decline, indicating enhanced risk management and customer selection [4][5] - The focus has shifted from scale to quality, with an increasing proportion of high-quality customers, as the bank emphasizes real consumption needs and stable repayment capabilities [4][5] Group 3: Future Direction - Bohai Bank's future strategy includes aligning with national consumption policies, focusing on quality customer service, innovating bad debt disposal mechanisms, and enhancing digital transformation in retail credit [6][7] - The bank aims to leverage policy benefits to increase quality consumer loan offerings while ensuring efficient and empathetic handling of customer repayment challenges [6][7]

Group 1 - Bohai Bank announced the appointment of Xie Kai as Chief Information Officer, pending approval from the National Financial Regulatory Administration. Xie Kai is currently the Vice President of Bohai Bank [1] - Citic Bank's Chengdu branch was fined 2.3 million yuan for imprudent management of credit, trade financing, bill business, investment business, and fee management [2] - Qingdao Jimo District Finance Bureau announced plans to revoke the pilot qualification of Qingdao Hisense Microfinance Co., Ltd., which was established in August 2018 with an initial capital of 300 million yuan, currently having a registered capital of 910 million yuan [3]

Core Viewpoint - Bohai Bank has completed the issuance of its financial bonds, with a total scale of RMB 3.5 billion, consisting of two types of bonds [1][3]. Group 1: Bond Issuance Details - The bonds were recorded on December 17, 2025, and officially commenced interest on December 19, 2025 [1][3]. - The total issuance scale is RMB 35 billion, divided into two varieties: a 3-year fixed-rate bond of RMB 1.5 billion with a coupon rate of 1.86% and a 3-year floating-rate bond of RMB 2 billion [1][3]. - The floating-rate bond's coupon rate consists of a benchmark rate and a fixed spread, with the benchmark being the 1-year Loan Prime Rate (LPR) and a fixed spread of -110 basis points, resulting in an initial coupon rate of 1.90% for the first adjustment period [1][3].

Core Viewpoint - Bohai Bank has successfully issued the "Bohai Bank Co., Ltd. 2025 Financial Bonds (Second Phase)" with a total scale of RMB 3.5 billion, approved by the People's Bank of China and the bank's shareholders [1] Group 1: Bond Issuance Details - The bond issuance consists of two types: a 3-year fixed-rate bond with a scale of RMB 1.5 billion and a coupon rate of 1.86% [1] - The second type is a 3-year floating-rate bond with a scale of RMB 2 billion, where the coupon rate includes a benchmark rate and a fixed spread, with the initial rate set at 1.90% [1] - The bonds were recorded on December 17, 2025, and officially commenced interest on December 19, 2025 [1] Group 2: Purpose of Fundraising - The funds raised from this bond issuance will be used to enhance funding sources, optimize the liability maturity structure, and promote stable business development [1]

Core Viewpoint - Bohai Bank announced the issuance of its 2025 financial bonds, with a total scale of RMB 3.5 billion, aimed at enhancing funding sources and optimizing liability structure for stable business development [1] Group 1: Bond Issuance Details - The bond issuance consists of two types: a 3-year fixed-rate bond with a scale of RMB 1.5 billion and a coupon rate of 1.86% [1] - The second type is a 3-year floating-rate bond with a scale of RMB 2 billion, where the coupon rate includes a benchmark rate (1-year LPR) and a fixed spread of -110 basis points, with the initial rate set at 1.90% [1] Group 2: Purpose of Fundraising - The funds raised from this bond issuance will be utilized to strengthen funding sources, optimize the liability maturity structure, and promote stable business growth [1]

Core Viewpoint - Bohai Bank announced the issuance of its 2025 financial bonds, with a total scale of RMB 3.5 billion, aimed at optimizing its liability structure and supporting stable business development [1] Group 1: Bond Issuance Details - The bond issuance consists of two types: a 3-year fixed-rate bond with a scale of RMB 1.5 billion and a coupon rate of 1.86% [1] - The second type is a 3-year floating-rate bond with a scale of RMB 2 billion, where the coupon rate includes a benchmark rate (1-year Loan Prime Rate) and a fixed spread of -110 basis points, starting with an initial rate of 1.90% [1] Group 2: Purpose of Fundraising - The funds raised from this bond issuance will be used to enhance funding sources, optimize the liability maturity structure, and promote stable business growth [1]

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的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 CHINA BOHAI BANK CO., LTD. 渤海銀行股份有限公司 渤海銀行股份有限公司（「本行」）董事會（「董事會」）欣然宣佈，經本行2024年第 一次臨時股東大會審議通過，中國人民銀行批准，本行於全國銀行間債券市場發 行了「渤海銀行股份有限公司2025年金融債券（第二期）」（「本次債券」）。本次債 券於2025年12月17日簿記建檔，並於2025年12月19日正式起息。 本次債券發行總規模為人民幣35億元，包括兩個品種：品種一為3年期固定利率 債券，發行規模為人民幣15億元，票面利率為1.86%；品種二為3年期浮動利率債 券，發行規模為人民幣20億元，票面利率包括基準利率和固定利差兩個部分，基 準利率為1年期貸款市場報價利率（LPR），固定利差-110BP，每3個月為一個票面 利率調整期，首個利率調整期票面利率為1.90%。 本次債券的募集資金將用於充實資金來源，優化負債期限結構，促進業務穩 ...

Core Viewpoint - The issuance of technology innovation bonds (科创债) by banks has significantly increased, with a total issuance scale reaching 301.4 billion yuan as of December 18, indicating a strong market response to the regulatory support initiated in May 2023 [3][14]. Issuance Scale - A total of 67 banks have issued 75 technology innovation bonds, with the largest share coming from state-owned banks, which account for 38.16% of the total issuance [3][15]. - The six major state-owned banks have collectively issued bonds worth 115 billion yuan, while city commercial banks and rural commercial banks have also become significant players, with issuance scales of 74.9 billion yuan and 15 billion yuan respectively [4][17]. Interest Rates - The interest rates for technology innovation bonds vary, with state-owned banks offering rates between 1.65% and 1.81%, while city and rural commercial banks have higher rates ranging from 1.67% to 2.07% [7][21]. - Notably, some city and rural commercial banks have rates exceeding 1.8%, indicating a competitive pricing environment [3][18]. Maturity Periods - The majority of the issued bonds have a maturity period concentrated around 5 years, which accounts for over 70% of the total, followed by 3-year bonds at over 20% [11][22]. - This maturity structure is designed to meet the medium to long-term funding needs of technology enterprises for research and development, as well as for project implementation [22]. Funding Allocation - The funds raised through these bonds are primarily directed towards technology innovation sectors, including the issuance of loans for technology projects and investments in innovative enterprises [6][17].

银行业数字化转型正在向纵深推进，渤海银行迎来核心管理岗位调整。12月18日，渤海银行发布公告 称，董事会已审议通过相关议案，聘任现任副行长谢凯担任该行首席信息官，任期自国家金融监督管理 总局核准其任职资格之日起，至其副行长（职业经理人）任期届满之日止。目前，谢凯的任职资格尚待 监管核准。 渤海银行成立于2005年12月30日，2006年2月正式对外营业，是最年轻的全国性股份制商业银行。2020 年7月16日在香港联交所主板挂牌上市。截至2025年9月末，渤海银行资产总额19058.76亿元人民币，负 债总额17927.43亿元人民币。前三季度，渤海银行实现营业收入193.26亿元，同比下降2.64%；净利润 达到49.88亿元，同比增长4.65%。 此次获聘首席信息官的谢凯，深耕金融科技领域多年，且已在渤海银行副行长岗位履职四年有余。公开 资料显示，谢凯出生于1972年，拥有高级工程师职称、金融学博士学历。其职业履历始于农业银行，在 农行体系内完成多岗位历练，积累了从总行部门到地方分行的全面管理经验，覆盖电子银行、网络金 融、科技管理等多个领域。 在总行条线，谢凯曾先后出任中国农业银行办公室秘书处副处级秘书， ...