Core Viewpoint - The Huaxia Bank Hohhot Branch is actively promoting anti-counterfeiting currency education through engaging and practical activities, aiming to enhance public awareness and skills in identifying counterfeit money [1][2][3] Group 1: Anti-Counterfeiting Activities - The bank has set up "anti-counterfeiting experience stations" in public areas, featuring enlarged models of currency security features to provide hands-on learning experiences for the public [1] - Staff members are teaching citizens practical skills to identify counterfeit money using a three-step method: "turn, touch, and see through" [1][2] - The activities have attracted over 200 participants, with more than 500 individuals reached through various events, and 800 promotional materials distributed [2] Group 2: Targeted Education - The bank has tailored its educational materials to address specific concerns of different demographic groups, such as creating large-print guides for elderly customers and focusing on new types of scams for younger audiences [2] - Real-life case studies are used to illustrate common scams faced by merchants, along with guidance on using cash verification machines [2] Group 3: Future Plans - The bank plans to integrate anti-counterfeiting education into daily services at branches, establishing "anti-counterfeiting experience corners" and organizing community outreach programs [3] - The goal is to transition from concentrated promotional efforts to ongoing education and protection against counterfeit currency [3]

Core Viewpoint - The recent fluctuations in the banking sector are primarily driven by short-term arbitrage fund withdrawals and an increase in market risk appetite, rather than the fundamental performance of banks [1][2][3] Group 1: Market Trends - Since July 11, the banking sector index has shown a downward trend, with an overall decline exceeding 14% after a brief rebound in early August [1] - The current market environment has led active funds to favor technology and growth sectors, resulting in a shift away from banking stocks [1][2] - The recent adjustments in the banking sector are compounded by high dividend payouts in July, leading to profit-taking by investors [2][3] Group 2: Investment Sentiment - Despite recent underperformance, banking stocks remain attractive to long-term investors such as insurance funds and social security funds, supported by favorable policies encouraging institutional investment [3][4] - Data shows that insurance funds are significant shareholders in over 700 stocks, with several banking stocks among their top holdings [3] Group 3: Long-term Outlook - Analysts believe that the long-term valuation recovery of banking stocks is not a short-term phenomenon but will be supported by ongoing transformations in the banking sector's operating models [6][7] - The banking sector is transitioning towards a more quality-focused approach, enhancing capital efficiency and increasing non-interest income, which is expected to bolster the attractiveness of banking stocks [6][7] - The potential for increased investment from insurance funds is significant, as regulatory changes may lead to a higher allocation of new premiums into the A-share market [7]

Core Viewpoint - The Huaxia Bank Hohhot Branch is actively promoting financial consumer rights protection and anti-fraud awareness through innovative and engaging methods during the 2025 Financial Education Promotion Week [1] Group 1: Anti-Fraud Campaign Initiatives - The bank has established an "anti-fraud publicity station" at Dazhao Square, utilizing interactive methods such as quizzes to educate the public on common fraud scenarios [3] - Over 300 participants engaged in the activities, which transformed serious financial education into an enjoyable learning experience [3] Group 2: Targeted Outreach for Special Groups - Customized anti-fraud strategies were developed for specific demographics, including bilingual warning cards for the Mongolian community and specialized sessions for elderly clients [3][5] - The elderly were taught to recognize fraud tactics and were guided on how to use the National Anti-Fraud Center app [3] Group 3: Focus on Small Business Owners - The bank formed an "anti-fraud lecture team" to address the high incidence of fraud among individual business owners, covering scams related to payment codes and false orders [5] - The initiative included hands-on training for over 80 merchants, emphasizing the importance of verifying payment information and using secure transaction methods [5] Group 4: Future Plans - The bank aims to integrate anti-fraud education into daily financial services, shifting from concentrated campaigns to ongoing community engagement [5] - The goal is to strengthen the financial safety net for the public and contribute to local financial stability [5]

Core Viewpoint - The article highlights a case of a teacher who fell victim to a fraudulent scheme involving credit card activation and cash withdrawal, leading to significant debt and financial distress [1] Group 1: Incident Overview - A teacher in Hunan Province was lured into applying for a credit card under the pretense of receiving gifts, despite having no prior experience with credit cards [1] - After activating the card, the teacher was misled by a bank staff member into believing they could withdraw cash without repayment obligations, resulting in a debt of 150,000 yuan and nearly 20,000 yuan in interest [1] Group 2: Fraud Mechanism - The teacher was instructed to provide verification codes to the staff member, which allowed the fraudulent transfer of funds from the credit card to the staff member's account [1] - The teacher's attempts to recover the funds were met with excuses and delays from the staff member, who eventually failed to repay the debt [1] Group 3: Legal and Institutional Response - Local police did not file a case, and the involved bank staff member claimed to be unable to repay due to personal financial issues, leading to a written promise to repay by the end of 2024 [1] - The bank distanced itself from the incident, stating that the involved staff member was a contract worker and that the issue was a personal financial dispute [1] Group 4: Regulatory Context - The article references regulations from the China Banking and Insurance Regulatory Commission and the People's Bank of China, emphasizing the need for banks to supervise credit card marketing activities and ensure that only qualified personnel engage in such activities [2] - The bank acknowledged that guiding others to withdraw cash and failing to return the funds constitutes a violation, indicating a need for police investigation and potential internal review [2]

Core Points - The board of directors of Huaxia Bank held its 11th meeting of the 9th session, which was conducted via written consent, ensuring compliance with relevant laws and regulations [1][3] - The meeting approved the establishment of a fund operation center for Huaxia Bank with unanimous support from all directors [1] - The board also approved an organizational restructuring and optimization of certain departments within the bank, again with unanimous support [2][3] - The meeting reviewed reports on significant operational risk events and regulatory updates for the first half of 2025 [3]

Investment Rating - The report maintains a recommendation for the banking industry [3] Core Insights - The report provides a comprehensive analysis of the asset-liability structure and interest margin changes of 42 A-share listed banks during the "14th Five-Year Plan" period, highlighting a shift towards corporate loans on the asset side and a stronger retail focus on the liability side [12][14] - The asset-liability structure indicates a significant increase in the proportion of corporate loans, rising from 57.02% to 63.22% from the end of 2020 to mid-2025, while the proportion of demand deposits decreased from 41.94% to 30% [12][14] - The report notes a decline in both asset yield and interest margin, with the yield on interest-earning assets dropping from 4.43% to 3.32% and the net interest margin decreasing from 2.23% to 1.53% during the same period [14][15] Summary by Sections Overall Asset-Liability Structure and Interest Margin Changes - The asset-liability structure shows an increase in loan-to-earning asset ratio from 54.19% to 56.49%, with corporate loans making up a larger share of total loans [14][15] - The average yield on interest-earning assets decreased significantly, with the loan yield falling from 5.34% to 3.82% [15] - The net interest margin for listed banks remains higher than that of commercial banks, despite a decline [14][15] Changes in Each Banking Sector's Asset-Liability Structure and Interest Margin - City commercial banks experienced a more significant increase in the proportion of corporate loans, with their interest margin narrowing less compared to other banks [18] - The report highlights that the proportion of deposits in interest-bearing liabilities for state-owned banks decreased, while it increased for rural commercial banks [18] - The decline in interest-bearing liabilities' cost rate was most pronounced in city commercial banks, leading to a smaller reduction in their interest margin [18]

转自：新华财经 为深入贯彻国家金融监督管理总局内蒙古监管局及总行关于金融教育宣传周的部署要求，切实提升社会公众金融素养与风险防范意识，华夏银行呼和浩 特分行于2025年9月15日至21日，以"保障金融权益助力美好生活"为主题，开展线上线下联动、多维度覆盖的金融教育宣传活动，取得显著成效。 以赛促学：消保知识竞赛点燃学习热潮 为营造全行学金融、懂消保的浓厚氛围，该行举办消费者权益保护主题金融知识竞赛，设置"趣味寻宝+线下竞赛"双环节。趣味寻宝通过互动任务让员工 在游戏中深化消保知识理解，实现全员高参与、广覆盖；线下竞赛经层层选拔组建精英战队，充分展现员工专业素养与团队协作力，消保知识竞赛活动 不仅彰显该行对金融知识普及的重视，也进一步激发了全体员工的学习热情。 分行工作人员结合农村常见金融案例耐心答疑，用"听得懂、记得住"的讲解，帮助村民树立正确金融消费观，筑牢农村金融安全防线。 扎根嘎查：双语宣讲打通普及"最后一公里" 华夏银行呼和浩特分行乡村振兴小组深入通辽库伦镇三家子嘎查，以蒙汉双语为千余名蒙古族村民解析"代理维权""虚假网络理财"等典型案例。 分行同步发放双语风险提示卡，将热点金融骗局拆解成易懂内容，切 ...

A 股代码：600015 A 股简称：华夏银行 编号：2025—50 华夏银行股份有限公司 第九届董事会第十一次会议决议公告 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"）第九届董事会第十一次会 议以书面传签方式召开，会议通知和材料于 2025 年 9 月 19 日以电子邮件方式发 出，会议补充通知和材料于 2025 年 9 月 23 日以电子邮件方式发出，表决截止日 期为 2025 年 9 月 28 日。会议应发出书面传签表决票 14 份，实际发出书面传签 表决票 14 份，在规定时间内收回有效表决票 14 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《关于申设华夏银行资金运营中心的议案》。 表决结果：赞成 14 票，反对 0 票，弃权 0 票。 二、审议并通过《关于华夏银行总行部分部门组织机构调整优化的议案》。 表决结果：赞成 14 票，反 ...

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1. Report Industry Investment Rating No information about the report industry investment rating is provided in the given content. 2. Core Viewpoints of the Report - External environment factors such as interest rate fluctuations, bond supply - demand, and policy orientation jointly impact bond investment returns. In H1 2025, the bond investment of 42 listed banks showed certain characteristics in scale, structure, and profit and loss, but there are still challenges in maintaining stable returns in the future [1]. - The overall bond investment scale of 42 listed banks expanded steadily in H1 2025. There were differences in the investment structure among different types of banks, with state - owned banks and city commercial banks having stable growth in the bond allocation portfolio, while joint - stock banks and rural commercial banks increased their efforts in the bond trading portfolio. The bond investment portfolio generally presented a pattern of "stable foundation and flexible gain" [1]. - The coupon income of 42 listed banks was generally stable in H1 2025 but showed a slight year - on - year decline. The fair value change loss was significant, and the investment income increased. However, the bond investment of the banking industry still faces pressure to maintain stable returns [1]. 3. Summary According to the Table of Contents 3.1 42 Listed Banks' Bond Investment Volume - **Overall Bond Investment Scale: Steady Expansion**: In H1 2025, the total scale of the three types of bond - type financial assets of 42 listed banks showed a steady expansion trend. The growth of debt investment - type financial assets measured at amortized cost was relatively slow, while the growth of trading financial assets measured at fair value and included in current profits and losses was relatively large, indicating that banks increased the proportion of trading positions [9]. - **Differentiated Bond Investment Distribution Structures among Different Bank Types**: In H1 2025, state - owned banks and city commercial banks showed stable growth in the bond allocation portfolio, which may be related to their participation in the primary - market issuance of important national and regional bond varieties. Joint - stock banks and rural commercial banks slightly weakened their bond allocation power but significantly increased their efforts in the bond trading portfolio, showing a differentiated feature of "stable allocation by large banks and prominent trading flexibility by small and medium - sized banks" [13]. - **Bond Investment Allocation Tilted towards Government - Related Bonds**: In H1 2025, commercial banks increased their allocation of government - related bonds, with an average month - on - month increase of about 10% for state - owned banks, joint - stock banks, and city commercial banks, and a slightly smaller increase for rural commercial banks. The allocation of financial bonds and other bonds was differentiated. All banks held a relatively large scale of government - related bonds, followed by financial bonds and credit - related bonds [18]. - **Correlation between Financial Asset Types and Bond Variety Structures**: The banking industry maintained a stable growth of interest - rate bonds in the bond allocation portfolio and increased the allocation of credit bonds, while the allocation of financial bonds was relatively weak. In the bond trading portfolio, interest - rate bonds and financial bonds were the core varieties, with a more significant increase than credit bonds, showing a "stable foundation and flexible gain" pattern [22]. 3.2 42 Listed Banks' Bond Investment Profit and Loss - **Coupon Income: Generally Stable and Still the Main Source of Income**: In H1 2025, the total coupon income of 42 listed banks decreased slightly year - on - year. Although the scale of held - to - maturity bonds increased, the decline in the coupon rate of newly issued bonds led to a decrease in coupon income. In the future, coupon income is still expected to be the main source of bond investment income for commercial banks [26]. - **Fair Value Change Loss: Losses in the Trading Level**: In H1 2025, the total fair value change loss of 42 listed banks decreased significantly year - on - year, indicating that it was difficult to obtain capital gains through short - term trading in the volatile bond market, and there were floating losses in bond trading [28]. - **Investment Income: Growth in All Bank Types**: In H1 2025, the actual investment income of 42 listed banks in the bond field increased significantly year - on - year. Although the book value appreciation of bond - type trading financial assets and other debt investment - type financial assets was not as good as that of the previous year, banks could still increase their investment income by selling floating - profit old bonds and waiting for the maturity of high - coupon bonds [31]. 3.3 Attribution and Summary - **External Environment Driving Factors: Interest Rate Fluctuations, Bond Supply - Demand, and Policy Orientation Jointly Impact Bond Investment Returns**: In H1 2025, the "more adjustments and fewer opportunities" bond market environment led to a general decline in the prices of existing bonds, resulting in a significant year - on - year decline in the fair value change loss of listed banks' bond investment. The supply of national bonds, local government bonds, and policy - based financial bonds increased, but the coupon rate of newly issued bonds decreased, leading to a decline in coupon income. Regulatory policies indirectly affected bond investment performance [35]. - **Banking Industry's Bond Investment Pressure and Future Outlook** - Overall Income Shows a Positive Trend but There Are Still Hidden Concerns: In H1 2025, the actual bond investment income of 42 listed banks increased slightly year - on - year, but the coupon income faced downward pressure in the interest - rate downward cycle, and it was more difficult to obtain spread income through band trading. Since H2 2025, the "stock - strong and bond - weak" pattern has emerged, and the loss caused by fair value change will be more obvious [3]. - Different Bank Types Show Differentiated Performance, and State - owned Banks' Pressure Is Relatively Controllable: State - owned banks can maintain a certain profit - making ability in the low - interest - rate volatile bond market due to their advantages in bond allocation and trading portfolios. Joint - stock banks, city commercial banks, and rural commercial banks are more vulnerable, and they may increase their capital allocation in the equity market, commodity market, and related structured fixed - income products in the future [3].