Core Insights - Weihai Bank has focused on the strategic deployment of intelligent urban rail transit construction in Jinan, successfully providing 145 million yuan in specialized credit funds to a key heavy industry group for the procurement of shield machine structural components [1] - The bank has innovatively constructed a multi-dimensional evaluation system that incorporates the enterprise's intelligent production capacity, core industry technology advantages, and the project's social value to the city's development, enhancing the precision of credit approval [1] - Utilizing its mature intelligent risk control system, Weihai Bank conducts multi-dimensional dynamic verification of key aspects such as project compliance qualifications, production schedules, and fund usage plans, significantly simplifying the approval process and improving efficiency [1] - The bank has tailored a personalized credit scheme of "staged disbursement and flexible repayment" to match the long production cycle and high capital occupation of shield machine structural components, effectively alleviating the financial pressure on enterprises and reducing overall financing costs [1]

1月6日，国家金融监督管理总局潍坊监管分局发布的行政处罚信息公开表显示，威海银行潍坊分行因违规发放无实际用途贷款、虚增存贷款规模被罚款35万 元。同时，时任威海银行潍坊分行零售银行部副总经理（主持工作）刘胜男被警告。 有分析人士指出，威海银行潍坊分行被指"违规发放无实际用途贷款"并"虚增存贷款规模"。这类"空壳贷款"通常是指贷款资金未用于实际生产经营或消费， 可能很快回流至银行体系，造成资金空转。 威海银行潍坊分行此次并非首次受罚，早在2024年1月就曾因"违反流通人民币管理规定"被中国人民银行潍坊市分行处罚。 | | | | | 2 | | | | | 1 | | 序号 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 持工作)) | 经理(主 | 行零售银 41号 行部副总 | | 司潍坊分 字 (2025) | 海银行股 份有限公 潍金罚决 | (时任威 | 刘胜男 | 公司潍坊 40号 分行 | 潍金罚决 股份有限 字〔2025〕 | 威海银行 | 决定书文 称 름 | 行政处罚 ...

Core Insights - The report highlights the need for improved sustainable information disclosure capabilities among small and medium-sized banks in China, revealing significant disparities influenced by regulatory pressures, market listing status, and regional characteristics [1][9]. Group 1: Research Findings - Finding 1: There is a notable divergence between mandatory and voluntary disclosures, with listed banks generally having more robust frameworks due to external compliance pressures, while non-listed banks rely heavily on management's strategic vision [3][4]. - Finding 2: Regional characteristics shape disclosure practices, with banks in green finance reform pilot areas leveraging policy advantages to innovate in areas like green credit and carbon accounting [5][6]. - Finding 3: Common capacity bottlenecks include insufficient internal motivation, weak data foundations, lack of organizational structure, and inadequate integration of environmental risks into core processes [7][8]. Group 2: Recommendations - The report proposes a tiered capability enhancement roadmap, suggesting banks improve internal governance, develop comprehensive ESG risk management systems, and establish practical climate risk stress testing mechanisms [8][9]. - Specific actions include clarifying board responsibilities for ESG oversight, creating dedicated departments, and developing localized carbon accounting practices [8].

| 序号 | 当事人名 | 行政处罚 决定书文 | 主要违法 | 行政处罚 | 作出决定 | | --- | --- | --- | --- | --- | --- | | | 称 | יקם | 违规行为 | 内容 | 机关 | | | 成海银行 股份有限 | 潍金罚决 字 | | 罚款35万 | 国家金融 监督管理 | | 1 | 公司潍坊 | (2025) | | 元 | 总局潍坊 | | | 分行 | 40号 | | | 监管分局 | | 2 | 刘胜男 (时任威 海银行股 份有限公 | 潍金罚决 | 违规发放 无实际用 途贷款, 虚增存贷 | | 国家金融 | | | 司潍坊分 | fit | | | 监督管理 | | | | | 款规模 | 警告 | | | | 行零售银 | (2025) | | | 总局潍坊 | | | 行部副总 | 41号 | | | 监管分局 | | | 经理(主 | | | | | | | 持工 | | | | | | | 作) ) | | | | | 齐鲁晚报·齐鲁壹点 李国栋 近日，国家金融监督管理总局潍坊监管分局行政处罚信息公开表（潍金罚决字〔2025〕40-41号 ...

Core Viewpoint - Weihai Bank is undergoing a significant shareholder transfer and capital increase initiative aimed at strengthening its core tier one capital [1] Group 1: Shareholder Transfer - On January 8, shareholders of Weihai Bank transferred shares from Huatai Hong Kong to Roadshow Securities, with a market value of HKD 197 million, representing 7.24% of the total shares [1] Group 2: Capital Increase - Weihai Bank announced a subscription agreement with Caixin Asset, planning to issue up to 327,989,709 domestic shares at a subscription price of RMB 3.29 per share, with a total cash consideration not exceeding RMB 1,079,086,143 [1] - The net proceeds from this issuance, after deducting related issuance costs, will be used entirely to supplement the bank's core tier one capital [1]

1. Report Industry Investment Rating No relevant content provided. 2. Core Viewpoints of the Report - Credit - related data shows that among discounted - traded bonds, "23 Chanjin 09" has a large deviation in bond valuation price; among bonds with rising clean prices, "22 Vanke 06" ranks high in valuation price deviation; among secondary and perpetual bonds with falling clean prices, "22 Industrial Bank Secondary 01" has a small valuation price deviation; among commercial financial bonds with falling clean prices, "25 Weihai Bank Small - and - Micro - enterprise Bond" has a small valuation price deviation; among bonds with a trading yield higher than 5%, real - estate bonds rank high [2]. - Credit bond valuation yield changes are mainly distributed in the (0, 5] range. Non - financial credit bond trading terms are mainly distributed between 2 and 3 years, with the 3 - to 4 - year variety having the highest proportion of discounted trades; secondary and perpetual bond trading terms are mainly distributed between 4 and 5 years. By industry, bonds in the agriculture, forestry, animal husbandry, and fishery industry have the largest average valuation price deviation [2]. 3. Summary According to Relevant Catalogs 3.1 Discounted - Traded Bond Tracking - Bonds such as "23 Chanjin 09", "24 Chanjin 08", etc. in the non - bank financial industry have relatively large valuation price deviations, with "23 Chanjin 09" having a deviation of - 1.05% and a remaining term of 2.69 years, and a trading volume of 16 million yuan [4]. - Bonds in other industries like "20 Boshui 02" in agriculture, forestry, animal husbandry, and fishery, and "Shaanxi Coal KY13" in the coal industry also have certain valuation price deviations [4]. 3.2 Tracking of Bonds with Rising Clean Prices - "22 Vanke 06", "22 Vanke 04", and "22 Vanke 02" in the real - estate industry have large positive deviations in valuation prices, with "22 Vanke 06" having a deviation of 4.15% and a trading volume of 297 million yuan [5]. - Many urban investment bonds also show positive deviations in valuation prices, such as "20 Zunhe 02" and "25 Raochuang 04" [5]. 3.3 Secondary and Perpetual Bond Trading Tracking - Secondary and perpetual bonds of various banks, including state - owned banks, joint - stock banks, and city commercial banks, have a valuation price deviation of - 0.01%. For example, "22 Industrial Bank Secondary 01" has a trading volume of 112,946 million yuan [6]. 3.4 Commercial Financial Bond Trading Tracking - "25 Weihai Bank Small - and - Micro - enterprise Bond" and "25 Weihai Bank Green Bond" have a valuation price deviation of 0.00%, with trading volumes of 32,901 million yuan and 11,966 million yuan respectively [7]. - Some commercial financial bonds have a valuation price deviation of - 0.01%, such as "23 Beijing Rural Commercial Small - and - Micro - enterprise Bond" and "25 CITIC Baixin Bank Small - and - Micro - enterprise Bond 01" [7]. 3.5 Tracking of Bonds with a Trading Yield Higher than 5% - Real - estate bonds like "22 Vanke 06", "22 Vanke 04", etc., and non - bank financial bonds such as "23 Chanjin 05", "23 Chanjin 13" are among the bonds with a trading yield higher than 5% [8]. 3.6 Distribution of Credit Bond Trading Valuation Deviations on the Day - Credit bond valuation yield changes are mainly distributed in the (0, 5] range [2]. 3.7 Distribution of Non - financial Credit Bond Trading Terms on the Day - Non - financial credit bond trading terms are mainly distributed between 2 and 3 years, and the 3 - to 4 - year variety has the highest proportion of discounted trades [2]. 3.8 Distribution of Secondary and Perpetual Bond Trading Terms on the Day - Secondary and perpetual bond trading terms are mainly distributed between 4 and 5 years [2]. 3.9 Discounted - Trade Ratio and Trading Volume of Non - financial Credit Bonds in Each Industry - Bonds in the agriculture, forestry, animal husbandry, and fishery industry have the largest average valuation price deviation, while different industries have different trading volumes [2][18].

股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2025年12月31日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 威海銀行股份有限公司 呈交日期: 2026年1月6日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | 其他類別 (請註明) | | 於香港聯交所上市 (註1) | | 否 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | N/A | 說明 | 内資股 | | | | | | | | | 法定/註冊股份數目 | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 4,971,197,344 RMB | | | 1 RMB | | 4,971,197,344 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 4,971,197,344 RMB | | | 1 RMB | | 4,971,197,344 | | 2. 股份分類 | 普通 ...

Core Viewpoint - Weihai Bank and Shandong University have signed a cooperation agreement to enhance talent development and innovation, focusing on collaborative education and employment opportunities [1] Group 1: Partnership Details - The partnership is themed "Bank-University Synergy for a New Journey, Collaborative Education for a Future" and aims to deepen cooperation in areas such as party building, employment recruitment, and training education [1] - The collaboration marks a new beginning for cooperation between prestigious institutions, leveraging the strengths of both the financial institution and the university [1] Group 2: Talent Development - Shandong University is a key comprehensive university under the Ministry of Education, recognized for its role in high-level talent cultivation and scientific research, contributing significantly to regional economic and social development [1] - Weihai Bank has established a postdoctoral research workstation and a specialized training center, focusing on building a highly skilled and capable workforce for sustainable development [1] Group 3: Implementation and Future Plans - The agreement includes the appointment of three Weihai Bank managers as employment and entrepreneurship mentors for students, with a practical base for student engagement being established [1] - Both parties aim to expand the breadth and depth of their cooperation, jointly cultivating financial talents that meet the demands of the new era and contributing to high-quality development [1]

Core Viewpoint - Weihai Bank has made significant progress in its capital replenishment efforts, with state-owned enterprises participating in a private placement at a premium price, breaking the usual discount practice in the banking sector [1][3][5]. Capital Replenishment Progress - Weihai Bank has signed an agreement with Caixin Asset to issue up to approximately 328 million domestic shares at a price of 3.29 yuan per share, raising a maximum of 1.079 billion yuan to supplement its core tier one capital [3][4]. - The subscription price represents a premium of approximately 17.59% over the closing price of Weihai Bank's H-shares on the announcement day [3][4]. - The capital replenishment plan has been ongoing since July, with a total fundraising target of 3 billion yuan through both domestic and H-shares [3][4]. Participation of State-Owned Enterprises - The controlling shareholder, Shandong High-Speed Group, and its subsidiaries have committed to subscribe for 3.24 billion and 1.06 billion domestic shares, respectively, at the same price of 3.29 yuan per share, totaling 1.4 billion yuan, which accounts for 46.7% of the overall fundraising plan [4][5]. - The participation of multiple state-owned entities is expected to enhance the bank's capital adequacy ratio and improve its corporate governance structure [4][6]. Unusual Premium Subscription - The premium subscription is noteworthy as it contrasts with the typical practice of issuing bank shares at a discount or close to market price, which is often necessary to attract investors [5][6]. - The involvement of state-owned enterprises is seen as a strategic move to stabilize the bank's capital structure and support its long-term development [6][7]. Transition to Quality Improvement - Weihai Bank has experienced rapid growth since its establishment, but its core tier one capital adequacy ratio has declined significantly, dropping to 8.02%, just above the regulatory minimum [8][9]. - The bank's future strategy should focus on improving asset quality and operational performance to avoid reliance on external capital injections [9][10].

来源：金融一线 12月24日金融一线消息，威海银行公告称，12月24日，该行与财鑫资产订立内资股认购协议，据此，财 鑫资产有条件同意认购，且该行有条件同意配发及发行不超过约3.28亿股内资股，认购价为每股内资股 人民币3.29元，较本公告日香港联交所所报收市价每股H股3.07港元溢价约17.59%，现金代价不超过人 民币约10.79亿元。 本次发行募集的资金在扣除相关发行费用后的净额将全部用于补充该行核心一级资本。 ...