A 股代码：600015 A 股简称：华夏银行 编号：2026—06 华夏银行股份有限公司 第九届董事会第十六次会议决议公告 本行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。 华夏银行股份有限公司（以下简称"华夏银行"或"本行"）第九届董事会 第十六次会议以书面传签方式召开，会议通知和材料于 2026 年 3 月 16 日以电子 邮件方式发出，表决截止日期为 2026 年 3 月 26 日。会议应发出书面传签表决票 16 份，实际发出书面传签表决票 16 份，在规定时间内收回有效表决票 16 份。 会议的召开符合《中华人民共和国公司法》等法律、行政法规、部门规章、规范 性文件及《华夏银行股份有限公司章程》的有关规定，会议合法有效。经与会董 事审议，做出如下决议： 一、审议并通过《华夏银行 2025 年度风险管理情况报告》。 表决结果：赞成 16 票，反对 0 票，弃权 0 票。 二、审议并通过《关于〈华夏银行 2025 年度并表管理报告〉的议案》。 表决结果：赞成 16 票，反对 0 票，弃权 0 票。 1 七、审议并通过《关于〈 ...

3月26日，沪深300红利ETF建信（512530）开盘跌0.37%，报1.618元。沪深300红利ETF建信（512530） 重仓股方面，中远海控开盘涨0.86%，山西焦煤涨0.14%，陕西煤业涨0.31%，藏格矿业跌0.10%，兖矿 能源跌0.30%，四川路桥涨0.30%，中国神华跌0.25%，上海银行跌0.31%，兴业银行跌0.05%，华夏银行 跌0.14%。 声明：市场有风险，投资需谨慎。本文基于第三方数据库自动发布，不代表新浪财经观点，任何在本文 出现的信息均只作为参考，不构成个人投资建议。如有出入请以实际公告为准。如有疑问，请联系 biz@staff.sina.com.cn。 MACD金叉信号形成，这些股涨势不错！ 责任编辑：小浪快报 3月26日，沪深300红利ETF建信（512530）开盘跌0.37%，报1.618元。沪深300红利ETF建信（512530） 重仓股方面，中远海控开盘涨0.86%，山西焦煤涨0.14%，陕西煤业涨0.31%，藏格矿业跌0.10%，兖矿 能源跌0.30%，四川路桥涨0.30%，中国神华跌0.25%，上海银行跌0.31%，兴业银行跌0.05%，华夏银行 跌0.14%。 ...

A 股代码：600015 A 股简称：华夏银行 编号：2026—05 华夏银行股份有限公司 关于召开 2025 年度业绩说明会的公告 本行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。 重要内容提示： 会议召开时间：2026 年 3 月 31 日（星期二）下午 15:00-16:00 会 议 召 开 地 点 ： 上 海 证 券 交 易 所 上 证 路 演 中 心 （ 网 址 ： https://roadshow.sseinfo.com/） 会议召开方式：上证路演中心网络互动 1 三、参加人员 本行行长瞿纲先生，副行长、财务负责人、董事会秘书杨伟先生及一名独立董 事等相关人员将参加说明会。 投资者可于 2026 年 3 月 24 日（星期二）至 3 月 30 日（星期一）16:00 前 登录上证路演中心网站首页，点击"提问预征集"栏目或通过本行 2025 年度业绩说 明会问题收集邮箱 zhdb@hxb.com.cn 进行提问。本行将在说明会上对投资者普遍关 注的问题进行回答。 华夏银行股份有限公司（以下简称"本行"）将于 2026 年 ...

核心观点 行业周报 · 银行行业 金融领域制度持续完善，关注业绩披露窗口期 —— 银行业周报（2026.03.16-2026.03.22） 2026 年 03 月 22 日 张一纬 ：010-80927617 ：zhangyiwei_yj@chinastock.com.cn 分析师登记编码：S0130519010001 研究助理：袁世麟 ：yuanshilin_yj@chinastock.com.cn 相对沪深 300 表现图 2026 年 03 月 20 日 -20% -10% 0% 10% 20% 30% 2025/3/24 2025/4/24 2025/5/24 2025/6/24 2025/7/24 2025/8/24 2025/9/24 2025/10/24 2025/11/24 2025/12/24 2026/1/24 2026/2/24 SW银行 沪深300 资料来源：中国银河证券研究院 银行行业 | | | 分析师 相关研究 www.chinastock.com.cn 证券研究报告 请务必阅读正文最后的中国银河证券股份有限公司免责声明 ⚫ 银 行 板 块 表 现优于市 场 ：本 周 沪 深 3 ...

[Table_Page] 跟踪分析|银行 证券研究报告 [Table_Title] 银行行业 通胀预期下广谱资产流动性收敛，关注负反馈 ——银行资负跟踪 20260322 [Table_Summary] 核心观点： | [Table_Gr ade] 行业评级 | 买入 | | --- | --- | | 前次评级 | 买入 | | 报告日期 | 2026-03-22 | [Table_PicQuote] 相对市场表现 [分析师： Table_Author]倪军 SAC 执证号：S0260518020004 021-38003646 nijun@gf.com.cn 分析师： 林虎 SAC 执证号：S0260525040004 SFC CE No. BWK411 021-38003643 gflinhu@gf.com.cn 请注意，倪军并非香港证券及期货事务监察委员会的注册 持牌人，不可在香港从事受监管活动。 -10% -3% 4% 10% 17% 24% 03/25 06/25 08/25 10/25 01/26 03/26 银行 沪深300 [Table_ 相关研究： DocReport] | 银行行业:山东 ...

Group 1 - The banking operating environment is characterized by a shift to a "quality over quantity" approach in credit growth, with a slowdown in RMB loan growth to 6% as of February 2026, influenced by weak credit demand and a focus on state-supported industries [4][14] - Fiscal policy remains proactive, with a projected general deficit rate of approximately 8.0% in 2026, which is expected to maintain a strong leverage effect on credit demand similar to 2025 [31][32] - The profitability of banks is gradually stabilizing, with state-owned banks showing positive profit growth due to fiscal policies, while smaller banks face operational pressures [7][35] Group 2 - Retail credit risk remains under pressure, with an increase in non-performing loans, particularly among smaller banks, although there is optimism for state-owned banks' asset quality [7][26] - The investment strategy emphasizes two main lines: focusing on wealth management capabilities in joint-stock banks and identifying city and rural commercial banks with controllable risks and strong profit certainty [6][35] - The credit growth momentum is shifting from traditional industries to emerging sectors supported by government policies, with significant growth in loans to green and high-tech enterprises [19][20]

但到了2026年初,邱先生被告知该还款安排到期取消,原有较低月供无法延续,他不得不重新面对每 月5000余元的还款压力。邱先生并未失联,属于仍在持续沟通、持续表达还款意愿的人群之一,但 在其无力恢复原有还款节奏后的第一个月,催收电话和短信明显增多,本人反映,其亲友也被不断、 反复联系。 以下文章来源于阿尔法工场金融家 ，作者银妹妹 阿尔法工场金融家 . 追踪保险银行业圈内动态，剖析最新风向，分享有料、有价值的"内行人"洞察见解。 导语：中型股份行的零售转型，从"比谁扩张更快"进入"比谁更能收口"的阶段。 信用卡风险从聚集到退潮,贷后管理的每一个细节,都是对银行治理成色的重估。 据媒体报道,2024年,邱先生通过华夏银行 (600015.SH) 信用卡办理14万元贷款用于创业,彼时每 月还款在5000元以上。创业失败后,邱先生现金流迅速恶化,2025年与银行协商后,月还款额一度 可降至几百元。 从借款人角度,协商是在困难时期获得一个更可预期的还款秩序。但在银行的实际执行中,协商却 常常停留在短期、临时、可撤销的账务安排层面。 其实监管为困难借款人已预留出一套具备明确期限上限的正式机制。根据《商业银行信用卡业务 ...

Investment Rating - The industry investment rating is "Buy" [2] Core Insights - The report provides a comprehensive analysis of 219 regional banks in Shandong Province, highlighting their asset structure, profitability, and asset quality compared to listed banks [6][21] - The asset growth rate of major city commercial banks in Shandong is 13.5%, which is lower than the 14.2% growth rate of listed city commercial banks [26] - The report indicates that the loan-to-asset ratio for city commercial banks is 54.9%, while for rural commercial banks it is 51.6%, both showing a slight year-on-year decline [31] - The profitability metrics reveal that the return on assets (ROA) for city commercial banks in Shandong is 50 basis points lower than that of listed city commercial banks, and the return on equity (ROE) is 3.09 percentage points lower [6][31] - The asset quality of regional banks in Shandong is weaker than that of listed banks, with non-performing loan ratios higher by 21 basis points for city commercial banks and 72 basis points for rural commercial banks [6][31] Summary by Sections 1. Economic Structure of Shandong Province - Shandong Province is implementing initiatives to enhance its economic development, focusing on green and high-quality growth [13] 2. Overview of Regional Banks in Shandong - Shandong has 219 commercial banks, including 14 city commercial banks, 91 village banks, and 110 rural commercial banks [21] - The report notes that the majority of these banks were established between 2011 and 2015, with 125 banks founded during this period [21] 3. Asset and Liability Structure - The asset growth of major banks has remained stable since 2017, with city commercial banks showing a growth rate of 13.5% in the first half of 2025 [26] - The report highlights that the loan structure is predominantly corporate loans, with city and rural commercial banks having corporate loan ratios of 72.7% and 64.2%, respectively [32] 4. Profitability and Asset Quality - The report indicates that the profitability of Shandong's regional banks is lower than that of listed banks, with city commercial banks' ROA at 0.66% and ROE at 9.43% [6][31] - The non-performing loan ratio for city commercial banks is reported at 1.21%, which is higher than the average for listed banks [31] 5. Capital Adequacy - The capital adequacy ratios for city and rural commercial banks in Shandong are reported to be 13.4% and 13.8%, respectively, indicating a sufficient safety margin [6][31]

Overview of Personnel Changes - A total of 11 personnel changes occurred across the securities, banking, insurance, and fund management industries, involving various forms such as dual-directional movement of executives, core position adjustments, and compliance talent replacements [2][3]. Personnel Changes Summary - Total number of changes: 11 people [4] - Securities industry: 2 changes [4] - Banking industry: 2 new appointments [4] - Insurance industry: 1 departure [4] - Fund management industry: 5 adjustments [4] Securities Industry - Guo Jiming, General Manager of FICC Headquarters at China Galaxy Securities, was appointed as a member of the Party Committee at CICC [8]. - Sun Jing, Head of Asset Management at CICC, was appointed as Vice President of China Galaxy Securities [9]. Banking Industry - Zhao Caozi, General Manager of Retail Finance at Huaxia Bank, and Xiao Gang, General Manager of the Credit Card Center, completed a position swap [10]. Insurance Industry - Cao Jingzhi and Li Yanan were appointed as Assistant General Managers at Ping An Property & Casualty Insurance, with Li also taking on the role of Chief Investment Officer [11]. Fund Management Industry - Qiu Chunyang, General Manager of Great Wall Fund Management, plans to resign for personal career planning, with Zhu Han temporarily taking over [12]. - Cheng Kun, General Manager of Agricultural Bank of China Fund Management, temporarily left due to training commitments, with Chairman Huang Tao acting in his stead [13]. - Weng Lifang was appointed as Chief Supervisor at Jinxin Fund Management [14].

Core Insights - The report emphasizes the financial impact of rising inflation, particularly due to the recent increase in oil prices, which is expected to have a more significant effect on the price system compared to previous instances, such as during the 2022 Russia-Ukraine conflict [21][22] - The current economic cycle is positioned differently than in 2022, with signs indicating a potential recovery in corporate inventory and an increase in long-term loans, suggesting a shift towards a demand cycle [21][22] - The report predicts that long-term bond rates will likely break through their upper resistance levels as nominal economic recovery continues, with structural monetary policy adjustments being a key focus for the central bank [3][23] Financial Implications - The report outlines three main financial implications: 1. Long-term bond rates are expected to rise, with the ten-year government bond yield likely to break its current range [3][23] 2. A decrease in market risk appetite may lead to a shift from liquidity-driven asset valuation to profit-driven valuation, potentially resulting in a challenging period for financial assets [3][23] 3. The ongoing geopolitical tensions in the Middle East may drive capital flows towards safer assets, including RMB-denominated assets, depending on the pace of financial infrastructure opening [3][23] Banking Sector Adjustments - The banking sector is advised to adjust its mindset regarding the interest rate down cycle, preparing for a scenario where interest rates and funding costs may no longer decline [4][24] - Large banks should focus on reducing the duration of loans and increasing the acquisition of settlement deposits, while smaller banks need to extend the duration of liabilities to mitigate potential impacts from cyclical shifts [4][24] Market Performance - During the observation period from March 9 to March 13, 2026, the banking sector overall increased by 1.5%, outperforming the broader market [19][56] - The report notes that the A-share banking sector showed a positive performance, while H-share banks lagged behind, indicating a divergence in market performance [19][56] Profit Forecasts - The report indicates that profit growth expectations for banks in 2025 remain largely unchanged, with minor adjustments noted for specific banks [20][56]