A股代码：600015 A股简称：华夏银行 编号：2025—40 特此公告。 华夏银行股份有限公司董事会 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。 2025年7月25日 经中国人民银行《准予行政许可决定书》（银许准予决字〔2025〕第5号）批 准，近日，华夏银行股份有限公司（以下简称"本行"）在全国银行间债券市场 成功发行"华夏银行股份有限公司2025年绿色金融债券（第一期）"（以下简称 "本期债券"），并在银行间市场清算所股份有限公司完成债券的登记、托管。 本期债券于2025年7月21日簿记建档，并于7月23日发行完毕。本期债券发行 规模为人民币200亿元，为3年期固定利率债券，票面利率为1.66%，募集资金将依 据适用法律和监管部门的批准，用于《绿色债券支持项目目录（2021年版）》规 定的绿色产业项目。 ...

Core Points - The board of directors of Huaxia Bank held its ninth meeting and made several important resolutions [1][2] - The meeting was conducted in accordance with relevant laws and regulations, ensuring its legality and validity [1] - The board approved the revision of the "Management Measures for Related Transactions" [1] - The board also approved the "2024 Internal Control System Work Report" [2] - A resolution was passed to donate to the 2025 International Conference on Basic Sciences [2] - The meeting reviewed the "2024 Regulatory Report and Rectification Status" [2]

A 股代码：600015 A 股简称：华夏银行 编号：2025—39 华夏银行股份有限公司 第九届董事会第九次会议决议公告 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"）第九届董事会第九次会议以 书面传签方式召开，会议通知和材料于 2025 年 7 月 16 日以电子邮件方式发出， 表决截止日期为 2025 年 7 月 23 日。会议应发出书面传签表决票 12 份，实际发 出书面传签表决票 12 份，在规定时间内收回有效表决票 12 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《关于修订<华夏银行股份有限公司关联交易管理办法>的议 案》。 表决结果：赞成 12 票，反对 0 票，弃权 0 票。 会议书面审阅了《关于华夏银行 2024 年度监管通报及整改情况的报告》。 特此公告。 华夏银行股份有限公司董事会 2025 年 7 月 24 日 1 ...

Core Viewpoint - 华夏银行 is addressing the challenges of cash circulation, particularly focusing on the exchange of small denominations and damaged currency, thereby enhancing customer service and convenience in financial transactions [1][2][4]. Group 1: Cash Exchange Services - 华夏银行 has implemented a principle of "exchanging all that can be exchanged," establishing green channels for small denomination coin exchanges across multiple branches, effectively alleviating cash flow bottlenecks for customers [2][4]. - The bank has provided specialized cash services to public transportation systems, helping them manage the complexities of handling large volumes of coins, including damaged and non-circulating currency [4][5]. Group 2: Support for Businesses - A supermarket in Jinan sought assistance from 华夏银行 to handle a significant amount of damaged currency, resulting in the successful exchange of 220,500 yuan worth of damaged notes within six hours, showcasing the bank's efficiency and customer-oriented approach [7]. - The bank has set up mobile cash service stations in areas with high demand, such as markets and senior communities, facilitating the exchange of coins and damaged notes, thus enhancing accessibility to financial services [8][9]. Group 3: Services for Special Groups - 华夏银行 has introduced home cash exchange services for elderly individuals and foreign nationals, ensuring that financial services are accessible and considerate of the needs of these groups [9]. - The bank's "silver service team" in Yinchuan provides on-site services for elderly clients, including cash exchanges and social security card activations, demonstrating a commitment to community support [9]. Group 4: Innovative Solutions - The "convenient coin pouch" designed by 华夏银行 combines practicality with customer needs, featuring waterproof materials and compartments for important documents, while also offering flexible combinations of small denominations for immediate use [11]. - The bank's initiatives have resulted in the exchange of over 100,000 coins and thousands of damaged notes in the past two years, reflecting its dedication to providing convenient financial services to the public [8].

Core Viewpoint - A newly established loan intermediary, Xin Xin Hui Lin, has sparked collective statements from nearly 20 banks in Shenzhen, indicating potential disruption to financial order and consumer rights due to misleading advertising practices [2][3]. Company Summary - Xin Xin Hui Lin (Shenzhen) Consulting Service Co., Ltd. was founded in November 2024 and has quickly established nine subsidiaries, focusing on community-based financing solutions [3][4]. - The company promotes its services through community-centric slogans, aiming to assist local residents in overcoming financing challenges [4]. Industry Summary - The shift of loan intermediaries towards residential communities reflects a transformation in the industry, driven by rising online customer acquisition costs and intensified market competition [4]. - This "community financing" model poses risks such as information asymmetry, lack of service transparency, and potential for excessive debt among consumers [5]. - Banks are encouraged to enhance financial education within communities and establish transparent service channels to mitigate the risks posed by unscrupulous intermediaries [5][6]. - Regulatory bodies are increasingly vigilant against illegal loan intermediary activities, emphasizing the need for clear boundaries in intermediary services and the establishment of transparent fee structures [6][7]. - Collaboration among regulatory agencies, industry associations, banks, and intermediaries is essential for standardizing practices and ensuring consumer protection [7].

银行板块震荡上扬，齐鲁银行（601665）涨超3%，农业银行（601288）涨超2%，长沙银行 （601577）、郑州银行（002936）、邮储银行（601658）、华夏银行（600015）纷纷上扬。 ...

Core Insights - The low interest rate environment has led to a resurgence in dividend strategy wealth management products, with increasing demand from investors for such allocations [1][2][8] - Major banks like Agricultural Bank of China, Bank of China, and Huaxia Bank are actively promoting dividend strategy products through their apps and public accounts [2][8] Product Overview - Dividend strategy products typically have a foundation of over 80% fixed income assets, with up to 20% allocated to dividend assets to enhance returns [1][4] - For example, the "Agricultural Bank of China Wealth Management 'Agricultural Bank Craftsmanship·Dynamic 360-Day Wealth Management Product (Dividend Preferred)'" has over 80% in fixed income assets and less than 20% in dividend assets [1][4] - The "Bank of China Wealth Management Wise Wealth Equity Dividend Strategy 180-Day Holding Period A" includes 30% of the CSI Dividend Index, with a risk level of R4 and an annualized return of 17.92% over the past month [4][7] Performance Metrics - The Agricultural Bank's product has shown an annualized return of 4.36% over the past month, 3.34% over the past three months, and 3.08% since inception, with a performance benchmark of 2.4%-3.4% [4][7] - The Bank of China's product has a high annualized return of 17.92% over the past month and 7.92% year-to-date, with an inception-to-date annualized return of 9.28% [7][8] Market Trends - The dividend strategy is gaining traction as a preferred investment choice among banks, with many financial managers recommending these products for their stability and potential for higher returns compared to traditional fixed income products [9][10] - The current low interest rate environment has made dividend strategies attractive, as they offer a stable yield compared to government bonds [9][10] Investment Opportunities - In addition to dividend strategy products, other investment opportunities include high-dividend blue chips, state-owned enterprises, green low-carbon assets, and sectors related to AI and digital economy [12][13] - The market is seeing increased interest from insurance funds in high-dividend stocks, indicating a shift towards assets that provide stable cash returns [10][11]

九泰聚鑫混合型证券投资基金 基金管理人：九泰基金管理有限公司 基金托管人：华夏银行股份有限公司 报告送出日期：2025 年 7 月 21 日 九泰聚鑫混合 2025 年第 2 季度报告 §1 重要提示 基金管理人的董事会及董事保证本报告所载资料不存在虚假记载、误导性陈述或重大遗漏， 并对其内容的真实性、准确性和完整性承担个别及连带责任。 基金托管人华夏银行股份有限公司根据本基金合同规定，于 2025 年 7 月 17 日复核了本报告 中的财务指标、净值表现和投资组合报告等内容，保证复核内容不存在虚假记载、误导性陈述或 者重大遗漏。 基金管理人承诺以诚实信用、勤勉尽责的原则管理和运用基金资产，但不保证基金一定盈利。 基金的过往业绩并不代表其未来表现。投资有风险，投资者在作出投资决策前应仔细阅读本 基金的招募说明书。 | 本报告中财务资料未经审计。 | 2025 | 4 | 1 | 6 | 30 | 本报告期自 | 年 | 月 | 日起至 | 月 | 日止。 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | ...

Core Viewpoint - The credit card industry in China is experiencing a significant transformation, shifting from expansion to a focus on quality and efficiency, as evidenced by the increasing number of banks discontinuing co-branded credit card products [12][19]. Group 1: Market Trends - Since January 1, 2025, at least seven major banks have announced the discontinuation of at least 22 co-branded credit card products, indicating a trend of product adjustments in the credit card market [2][6]. - Major banks, including China Bank and Citic Bank, have stopped issuing various co-branded credit cards, with reasons primarily cited as "business adjustments" or "contract expiration" [4][6]. Group 2: Product Adjustments - Co-branded credit cards, which are partnerships between banks and profit-oriented institutions, are being phased out due to their unsustainable cooperation models and imbalanced overall returns [9][10]. - Banks are transitioning to standard credit cards for existing co-branded cardholders, with changes in reward structures and benefits [4][6]. Group 3: Regulatory Environment - The regulatory framework has tightened, with new guidelines from the former CBIRC and the People's Bank of China mandating banks to focus on quality over quantity in credit card issuance [10][12]. - The new regulations require banks to limit the ratio of dormant credit cards to no more than 20%, prompting a reevaluation of credit card strategies [10][12]. Group 4: Consumer Behavior - The credit card market is increasingly catering to younger consumers, who have diverse interests and consumption needs, necessitating banks to innovate and tailor products accordingly [18][19]. - The decline in credit card issuance and usage reflects a broader trend of market saturation and the need for banks to refine their customer engagement strategies [12][13]. Group 5: Future Outlook - The discontinuation of co-branded credit cards is seen as a necessary step towards a more refined and efficient credit card business model, focusing on high-value customer segments and innovative product offerings [15][19]. - The industry is expected to evolve towards precision marketing and enhanced customer experiences, leveraging digital technologies and data analytics [7][19].

南方数字经济混合型证券投资基金 基金管理人：南方基金管理股份有限公司 基金托管人：华夏银行股份有限公司 送出日期：2025 年 7 月 21 日 南方数字经济混合型证券投资基金 2025 年第 2 季度报告 §1 重要提示 基金管理人的董事会及董事保证本报告所载资料不存在虚假记载、误导性陈述或重大遗 漏，并对其内容的真实性、准确性和完整性承担个别及连带责任。 基金托管人华夏银行股份有限公司根据本基金合同规定，于 2025 年 7 月 17 日复核了本 报告中的财务指标、净值表现和投资组合报告等内容，保证复核内容不存在虚假记载、误导 性陈述或者重大遗漏。 基金管理人承诺以诚实信用、勤勉尽责的原则管理和运用基金资产，但不保证基金一定 盈利。 基金的过往业绩并不代表其未来表现。投资有风险，投资者在作出投资决策前应仔细阅 读本基金的招募说明书。 本报告中财务资料未经审计。 本报告期自 2025 年 4 月 1 日起至 6 月 30 日止。 | | §2 基金产品概况 | | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 基金 ...