证券代码：600015 证券简称：华夏银行 公告编号：2025-37 华夏银行股份有限公司 2024年年度权益分派实施公告 本公司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： 每股分配比例 A 股每股现金红利人民币 0.305元（含税） 相关日期 | 股份类别 | 股权登记日 | 最后交易日 | 除权（息）日 | 现金红利发放日 | | --- | --- | --- | --- | --- | | A 股 | 2025/6/25 | － | 2025/6/26 | 2025/6/26 | 差异化分红送转： 否 一、 通过分配方案的股东大会届次和日期 本次利润分配方案经公司2025 年 5 月 13 日的2024年年度股东大会审议通过。 二、 分配方案 1. 发放年度：2024年年度 2. 分派对象： 截至股权登记日下午上海证券交易所收市后，在中国证券登记结算有限责任 公司上海分公司（以下简称"中国结算上海分公司"）登记在册的本公司全体股东。 3. 分配方案： 本次利润分配以方案实施前的公司总股本15,914,92 ...

Core Viewpoint - The successful issuance of the "Hua Xia Bank Co., Ltd. 2025 Technology Innovation Bond (Phase I)" with a scale of 10 billion yuan and a coupon rate of 1.78% marks a significant achievement in the market for commercial bank technology innovation bonds, reflecting the bank's commitment to supporting technological innovation and the real economy [1]. Group 1 - The bond issuance is the largest 5-year commercial bank technology innovation bond in the market [1]. - The bond has a term of 5 years and a coupon rate of 1.78%, which is the lowest for Hua Xia Bank's financial bonds [1]. - The issuance supports the bank's strategy to enhance financial services in the technology innovation sector, particularly for small and medium-sized enterprises and high-tech companies [1]. Group 2 - The successful issuance strengthens the partnership between the issuer and the underwriter, Shenwan Hongyuan Securities, enhancing the latter's influence in the technology innovation bond sector [1]. - The company aims to continue implementing national development strategies and fulfill its mission as a financial central enterprise [1].

保障客户权益，乐享安心生活——华夏银行广州分行开展2025年普及金融知识万里行活动 为有效提升消费者的金融知识水平和风险防范能力，华夏银行广州分行组织辖属机构6月9日-15日在广 州、南沙、佛山、东莞、珠海、中山、惠州、肇庆、江门等地区同步开展"保障客户权益，乐享安心生 活"主题金融教育活动，通过营业网点阵地宣传、"五进入"场景宣传，警银联动、政银聚力，多角度、 全方位、立体化推进教育宣传活动深度普及，传递消保声音。 打造网点金融驿站，发挥金融知识普及"主阵地"作用 该行充分利用网点窗口服务以及人员充足、地理位置好、人流量大、服务设备设施全面等优势，着力打 造网点金融驿站，发挥网点金融教育宣传"主阵地"作用。各营业网点统一张贴主题 教育海报，悬挂主 题横幅，投放"以案说险"案例折页，网点横屏、门楣、电视等滚动播放活动口号、案例警示视频、消费 风险提示；开展"行长接待日""支行行长说消保"活动，网点负责人、业务骨干一对一讲解，现场为消费 者答疑解惑，增强网点金融教育宣传质效。 打造"五进入"服务场景，拓宽金融知识普及广度 活动期间，华夏银行广州分行员工深入校园、社区、商圈、企业以及边远县城、农村地区，与街道办事 ...

Group 1 - The core viewpoint of the articles highlights the commitment of Huaxia Bank Hohhot Branch to support education and rural revitalization through significant donations and financial assistance [1][2] - Huaxia Bank donated 15 smart blackboards to Kulun Primary School, totaling 275,000 yuan, addressing issues of outdated teaching facilities and resource scarcity [1] - The bank has invested a total of 1.78 million yuan in educational support, including 1 million yuan to establish facilities in Aohanqi New Hui Middle School [1] Group 2 - In 2024, Huaxia Bank Hohhot Branch has invested a total of 5.896 million yuan in various assistance programs, focusing on rural income and farmer revenue [2] - The bank donated 1 million yuan to improve infrastructure in Chahar Right Back Banner, enhancing local living conditions [2] - Huaxia Bank has purchased 3.42 million yuan worth of agricultural products from supported regions, promoting local sales and farmer income [2]

Core Viewpoint - The Huaxia Bank Hohhot Branch is actively promoting financial literacy among the elderly through a financial knowledge outreach event, aiming to enhance their risk awareness and introduce age-friendly banking services [1][2]. Group 1: Financial Literacy Promotion - The event was held at the Manduhai Park in Hohhot, focusing on educating the elderly about financial knowledge in an accessible manner [1]. - Staff provided explanations and interactions on topics such as avoiding high-interest traps, personal information protection, and age-friendly banking services [1][2]. - Real-life cases were used to illustrate the dangers of high-interest schemes, emphasizing the importance of vigilance against illegal fundraising and financial fraud [1]. Group 2: Personal Information Protection - The importance of personal information protection was highlighted, advising the elderly not to disclose sensitive information like bank account numbers and identification numbers [1][2]. - Guidance was provided on how to respond to risks associated with personal information leaks [1]. Group 3: Age-Friendly Banking Services - The bank introduced its age-friendly services, including caring service windows, large-font mobile banking, and home service options [2]. - Demonstrations of the large-font mobile banking operations were conducted, teaching elderly participants how to perform common banking tasks such as checking balances and making transfers [2]. Group 4: Future Initiatives - The Huaxia Bank Hohhot Branch plans to continue organizing diverse financial knowledge promotion activities to enhance customer financial literacy and risk prevention capabilities [2].

Core Viewpoint - The successful issuance of the "Hua Xia Bank Co., Ltd. 2025 Technology Innovation Bond (Phase I)" signifies a strategic move towards enhancing financial services in the technology innovation sector, with a focus on supporting small and medium-sized enterprises and high-tech companies [1] Group 1 - The bond issuance scale is 10 billion yuan, with a term of 5 years and a coupon rate of 1.78%, marking the lowest coupon rate for Hua Xia Bank's financial bonds [1] - This bond is the largest 5-year commercial bank technology innovation bond currently in the market, reflecting the growing emphasis on technology finance [1] - The issuance supports the bank's strategy to strengthen financial services for technology-driven enterprises, contributing to high-quality development of the real economy [1] Group 2 - The bond represents the first collaboration between the company and the issuer, which has been highly recognized by the issuer, solidifying the partnership and enhancing the company's influence in the technology innovation bond sector [1] - The company aims to continue implementing national development strategies and fulfill its mission as a financial central enterprise [1]

Core Viewpoint - Data is being recognized as the fifth production factor, significantly reshaping the balance sheets of commercial banks as they actively explore and incorporate data resources into their financial statements [1][2]. Group 1: Importance of Data Resource Integration - The integration of data resources into financial statements is crucial for commercial banks to accelerate digital transformation and enhance their ability to serve the real economy [1][2]. - The implementation of the "Interim Provisions on the Accounting Treatment of Corporate Data Resources" has provided a framework for converting data resources into data assets [2][3]. - The ongoing development of data resource integration is expected to accelerate as policies and evaluation methods improve [1][5]. Group 2: Current Practices and Examples - Several national joint-stock banks and city commercial banks have begun the process of integrating data resources into their financial statements, establishing standardized procedures for data inventory, rights confirmation, and valuation [3][4]. - For instance, as of the end of 2024, banks like Hengfeng Bank and China CITIC Bank reported data resource values of 1.01 million and 4.94 million respectively, while Everbright Bank's data resource scale exceeded 18 million [3][4]. Group 3: Challenges and Future Directions - Despite the initial steps taken, the scale of data resource integration in commercial banks remains limited compared to other industries, with the need for a unified and authoritative evaluation method being a significant challenge [5][8]. - The complexity of data resource valuation and the need for diverse assessment methods for different types of data are major hurdles in the integration process [9][8]. - The establishment of a comprehensive data asset valuation framework by the China Banking Association aims to address these challenges and facilitate the integration of data resources into financial statements [9][10]. Group 4: Collaborative Efforts for Advancement - Collaboration among government, industry associations, and enterprises is essential to advance the integration of data resources into financial statements [10][11]. - Recommendations include enhancing data lifecycle management, improving IT infrastructure, and fostering talent development to support data governance and accounting processes [10][11].

Summary of Key Points Core Viewpoint The article discusses the recent trends in non-performing loan (NPL) rates among Chinese commercial banks, highlighting the impact of stricter regulations and the varying performance across different types of banks. Group 1: Overall NPL Trends - As of Q1 2025, the total NPL balance of commercial banks reached 3.43 trillion yuan, an increase of 157.4 billion yuan from the end of 2024, with an NPL ratio of 1.51%, a slight increase of 0.01 percentage points [1][3]. - In Q4 2024, the NPL balance was 3.27 trillion yuan, showing a decrease of 977 billion yuan from the previous quarter, with an NPL ratio of 1.50%, down by 0.05 percentage points [1][3]. - Despite the growth in NPL balance, the overall NPL ratio has been declining due to faster growth in total loan balances [1]. Group 2: Performance by Bank Type - Large commercial banks showed a positive trend, with an NPL ratio of 1.22% in Q1 2025, continuing a three-quarter decline, down by 0.03 percentage points year-on-year and quarter-on-quarter [4]. - City commercial banks (CCBs) need to be cautious, as their NPL ratio was 1.79% in Q1 2025, increasing by 0.03 percentage points quarter-on-quarter and 0.01 percentage points year-on-year [5]. - Rural commercial banks (RCBs) had a mixed performance, with an NPL ratio of 2.86% in Q1 2025, up by 0.06 percentage points quarter-on-quarter but down by 0.48 percentage points year-on-year [6]. Group 3: Specific Bank Performance - Among the 18 national banks, the best performers were Postal Savings Bank and China Merchants Bank, with NPL ratios of 0.91% and 0.94%, respectively [10]. - Huaxia Bank had a relatively high NPL ratio of 1.61%, remaining elevated compared to peers, and faced multiple large fines for regulatory violations [10][16]. - The article notes that the NPL rates of CCBs vary significantly, with some in the Jiangsu-Zhejiang region performing well, while those in Northeast China, like Longjiang Bank, struggle with NPL rates exceeding 3% [20][25]. Group 4: Regulatory Environment and Penalties - In Q1 2025, CCBs received a total of 109 penalties, with Shanghai Bank receiving the highest number of fines, totaling over 5 million yuan [24]. - RCBs also faced significant regulatory scrutiny, with 478 penalties issued, and some banks like Beijing RCB and Foshan RCB facing fines exceeding 900 million yuan [30][29].

Core Points - The main structure of the Huaxia Bank headquarters building in Beijing's urban sub-center has been topped out, 45 days ahead of schedule, with an investment of 2.7 billion yuan and a total construction area exceeding 190,000 square meters [1][3] - The building's design is inspired by the Hongshan culture and is positioned at a key intersection in the sub-core area, resembling a giant modern sculpture by the waterfront park [2] - The project utilizes advanced construction techniques, including prefabrication of steel components and real-time coordination through Building Information Modeling (BIM) and IoT systems, minimizing material accumulation on-site [2] - The building will feature a 5,000 square meter glass atrium supported by 16 large-span truss beams, addressing challenges associated with large-span steel structures [2] - It is set to be the largest single ultra-low energy consumption office building in the country and the largest demonstration project of its kind in Beijing, adhering to green building three-star standards, with an expected annual photovoltaic power generation of 1 million kilowatt-hours [2]

Group 1 - The core focus of the event was to reveal the serious risks and social harms associated with "illegal agency rights protection" and to enhance employees' ability to identify financial traps and self-protection awareness [1] - Illegal agency rights protection organizations often lure clients with enticing promises such as "professional rights protection," "full refund of interest and fees," and "internal relationship handling," which conceal significant risks and undermine social integrity [1] - The event included real case analyses to vividly illustrate the common tactics and dangers of these organizations, emphasizing that there are legitimate channels for credit rights protection that are more convenient [1] Group 2 - The "zero-distance" educational activity helped employees improve their awareness of financial risks related to illegal agency rights protection and effectively strengthened their awareness of legitimate rights protection [2] - This initiative contributes to building a safer, more stable, and trustworthy regional financial ecosystem [2] Group 3 - Personal information protection is a crucial "firewall," and individuals should not disclose sensitive information such as ID cards, bank account numbers, passwords, and SMS verification codes to unknown third parties [4] - The first step in addressing financial consumer disputes should be to communicate directly through official customer service, branches, or legitimate complaint channels to ensure timely responses from financial institutions [4] - There is a need for heightened vigilance against tempting "shortcuts" that promise "100% success," "internal relationships," or exaggerated claims of refunds, as these are often traps [4] Group 4 - All rights protection actions must be conducted within the legal framework, and individuals should refuse to engage in illegal activities such as fabricating evidence or maliciously repeating complaints [5]