9月5日，据国家金融监管总局官网显示，华夏银行因相关贷款、票据、同业等业务管理不审慎，监管数 据报送不合规等违法违规行为，被重罚8725万元，六名相关责任人被警告并罚款共计20万元，为截至目 前金融业年内最大罚单。 当日，华夏银行在其官网发布关于诚恳接受国家金融监督管理总局行政处罚的公告。公告中提到，该行 诚恳接受监管部门的处罚决定。对于监管处罚问题，该行高度重视，深入分析问题成因，已迅速落实各 项整改措施，下一步将持续强化内控合规管理，推动业务经营健康发展。 从华夏银行发布的2025年半年报来看，其经营情况面临挑战。上半年，该行实现营业收入455.22亿元， 同比减少5.86%；归属于上市公司股东的净利润114.7亿元，同比减少7.95%，净利润增速在 A股上市银 行中最低。 在收入构成上，上半年华夏银行实现利息净收入305.74亿元，同比减少3.6%。虽然手续费及佣金净收入 同比增长2.55%至30.95亿元，但投资收益、公允价值变动损益、汇兑损益合计为86.8亿元，同比减少 25.42亿元，降幅达到22.64%。 资产质量方面，截至2025年6月末，华夏银行资产总额接近4.55 万亿元，较上年末增长3. ...

Summary of Key Points Core Viewpoint - The National Financial Supervision Administration has imposed fines exceeding 100 million yuan on several financial institutions due to various regulatory violations, highlighting ongoing scrutiny in the banking sector [1][2]. Group 1: Fines and Violations - Huaxia Bank was fined 87.25 million yuan for imprudent management of loans, bills, and interbank business, along with non-compliance in regulatory data reporting [1]. - Zhejiang Commercial Bank faced a fine of 11.308 million yuan for imprudent management of internet loans [1]. - CCB Financial Asset Investment Co. was fined 850,000 yuan for imprudent practices in debt-to-equity swap projects and irregular service fee pricing [1]. - ICBC Financial Asset Investment Co. was fined 400,000 yuan for non-compliance in service price management [2]. - CCB Insurance Asset Management Co. was fined 1.15 million yuan for operations not meeting regulatory requirements regarding trust plans and related transactions [2]. - Pacific Asset Management Co. was fined 1 million yuan for non-compliance in debt investment plan operations and insurance asset management products [2]. Group 2: Personnel Actions - Several responsible personnel from the fined institutions received warnings and fines, including Huaxia Bank's Chen Chengtian and Liu Jianxin [1]. - CCB Financial Asset Investment Co.'s Xu Wenbo was banned from the banking industry for five years due to violations [1]. - ICBC's former employees Li Chao and Yi Zhongbin were banned from the banking industry for five and seven years, respectively, for serious violations of prudent operation rules [2].

摩根基金管理（中国）有限公司已与华夏银行股份有限公司签订了基金销售代理协议，现决定自本公告 之日起，新增华夏银行股份有限公司"华夏e家"平台为摩根纯债债券型证券投资基金（A类份额代码： 371020；B类份额代码：371120；D类份额代码：022294）的代销机构。 投资人可通过华夏银行股份有限公司"华夏e家"平台开展基金的申购、赎回、定期定额等相关业务。具 体的业务流程、办理时间和办理方式以华夏银行股份有限公司"华夏e家"平台的规定为准。 有关摩根纯债债券型证券投资基金（A类份额代码：371020；B类份额代码：371120；D类份额代码： 022294）销售的具体事宜请仔细阅读本基金的招募说明书、基金产品资料概要及基金合同等相关法律文 件。 投资者可通过以下途径咨询有关详情： 1、华夏银行股份有限公司 客服电话：95577 公司网址：www.hxb.com.cn 2、摩根基金管理（中国）有限公司 客服电话：400-889-4888 公司网址：am.jpmorgan.com/cn 二○二五年九月八日 关于新增江海证券有限公司为摩根 基金管理（中国）有限公司 旗下部分基金代销机构的公告 摩根基金管理（中国） ...

Core Viewpoint - The article highlights the significant regulatory penalties faced by Huaxia Bank due to non-compliance and mismanagement in various financial operations, indicating ongoing challenges in performance and compliance within the banking sector [1][2][3]. Regulatory Penalties - On September 5, Huaxia Bank was fined 87.25 million yuan for imprudent management of loans, bills, and interbank operations, marking the highest penalty among several financial institutions penalized that day [2][3]. - Since the beginning of 2025, Huaxia Bank has accumulated penalties exceeding 99 million yuan, with a total of over 11.8 million yuan in fines across various infractions [4][5]. Financial Performance - For the first half of 2025, Huaxia Bank reported operating income of 45.522 billion yuan, a decrease of 5.86% year-on-year, and a net profit of 11.47 billion yuan, down 7.95%, which is the lowest profit growth rate among A-share listed banks [5][6]. - The bank's net interest income fell by 3.6% to 30.574 billion yuan, accounting for 67.16% of total operating income, while investment income and other financial gains decreased significantly, contributing to the overall decline in performance [5][6]. Asset Quality and Loan Performance - As of June 30, 2025, Huaxia Bank's non-performing loan (NPL) ratio stood at 1.60%, the highest among nine listed banks in A-shares, with personal loan NPLs increasing due to external risk factors [6][7]. - The bank's total assets approached 4.55 trillion yuan, with a loan total of 2.42 trillion yuan, reflecting a growth of 3.96% and 2.15% respectively compared to the previous year [6][7]. Management Response - In response to regulatory actions, Huaxia Bank has committed to enhancing internal controls and risk management, focusing on improving asset quality and addressing existing risks while optimizing business structures [8].

Core Viewpoint - The significant administrative penalty of 87.25 million yuan imposed on Huaxia Bank highlights serious deficiencies in the bank's internal controls and data governance, particularly in loan approval and regulatory data reporting [2][4][6] Group 1: Penalty Details - The penalty was issued by the National Financial Supervision Administration due to insufficient prudence in core business management, including loans, bills, and interbank operations [2][4] - Multiple responsible personnel were also penalized, indicating a strong regulatory focus on risk management and data governance issues within financial institutions [2][3] Group 2: Bank's Response - Huaxia Bank acknowledged the penalty and emphasized its commitment to analyzing the root causes, implementing corrective measures, and holding responsible personnel accountable [3][10] - The bank plans to strengthen internal control compliance management and promote healthy business development in response to the regulatory actions [3][10] Group 3: Internal Control Issues - The core reason for the penalty was identified as a lack of prudence in managing key business lines, which may involve credit approval, fund flow monitoring, and transaction structure design [4][6] - As of June 2025, Huaxia Bank's restructured loan balance was 9.014 billion yuan, indicating ongoing risk management challenges despite a slight decrease [4][6] Group 4: Data Governance Concerns - The penalty also stemmed from non-compliance in regulatory data reporting, which is crucial for macro-prudential management and identifying systemic risks [6][8] - The bank's core Tier 1 capital adequacy ratio was 9.56% as of June 2025, showing a decline from the beginning of the year, raising concerns about the accuracy of its capital status [7][10] Group 5: Broader Implications for the Banking Sector - The incident serves as a warning for the entire banking industry regarding the necessity of compliance and risk prevention in a complex financial environment [3][8] - Regulatory authorities are shifting focus from merely addressing specific violations to enhancing governance mechanisms and information systems within banks [8][9]

Investment Rating - The report maintains an "Increase" rating for the banking sector, indicating a positive outlook for the industry [1]. Core Insights - In the first half of 2025, the contribution of financial asset disposal gains from AC and OCI accounts to revenue reached 5.2%, an increase of 2.9 percentage points compared to 2024 [1][2]. - The investment income growth rate for 42 listed banks was 23.6%, with AC, OCI, and TPL gains showing year-on-year growth rates of 134.7%, 79.0%, and -8.4% respectively [1]. - The report highlights that the increase in disposal gains does not necessarily indicate a significant increase in asset disposal scale, as market conditions and strategies vary among banks [2]. Financial Asset Disposal Gains - The contribution of AC and OCI financial asset disposal gains to revenue was 5.2%, up 2.9 percentage points from 2024, with AC asset disposal gains contributing 2.6% [2]. - Among different types of banks, rural commercial banks had the highest contribution from AC and OCI disposal gains, reaching 11.0%, an increase of 6.2 percentage points from 2024 [2]. - Specific banks such as Jiangyin Bank, Sunong Bank, and Zijin Bank had high disposal gain ratios relative to their revenue, at 28.9%, 26.7%, and 22.7% respectively [2]. OCI Floating Profit Situation - The overall OCI floating profit decreased compared to the end of the previous year, accounting for 12.6% of the estimated profit for 2025 [3]. - Major state-owned banks like CCB and ABC reported significant OCI floating profits, with balances exceeding 30 billion [3]. - The average contribution of OCI floating profits to profits for city and rural commercial banks was notably high, with Ningbo Bank's ratio reaching 35% [3][6]. Sector Trends - The banking sector is expected to benefit from expansionary policies aimed at stabilizing the economy, with a focus on real estate and consumer spending [7]. - The report suggests a focus on banks with improving fundamentals, such as Ningbo Bank, and those with dividend strategies like Jiangsu Bank and Chengdu Bank [7]. - Attention is also drawn to banks with potential convertible bond conversion expectations, including Shanghai Bank and Industrial Bank [7].

Core Viewpoint - The financial regulatory authority has issued the largest fine of the year, totaling 87.25 million yuan, against Huaxia Bank for multiple violations in loan, bill, and interbank business management [2][3]. Group 1: Regulatory Actions - Huaxia Bank was fined 87.25 million yuan due to non-compliance in risk management and internal control effectiveness, following an on-site inspection by the financial regulatory authority [2][3]. - Zhejiang Merchants Bank was fined 11.308 million yuan for imprudent management of internet loan-related businesses, with a warning issued to a responsible individual [3]. - China Construction Investment was fined 850,000 yuan for imprudent practices in debt-to-equity swap projects and non-compliance in service fee pricing procedures [4]. Group 2: Personnel Penalties - Two former employees of Industrial and Commercial Bank of China (ICBC) received bans from the banking industry for 5 and 7 years, respectively, due to serious violations of prudent operation rules [5]. - The former general manager of ICBC's asset management department, Gu Jian Gang, faced severe disciplinary actions for corruption and misconduct, including being expelled from the party and public office [6]. Group 3: Financial Performance of Huaxia Bank - In the first half of 2025, Huaxia Bank reported a revenue of 45.522 billion yuan, a year-on-year decrease of 5.86%, and a net profit attributable to shareholders of 11.47 billion yuan, down 7.95% [3]. - The bank's total assets reached 4.5496 trillion yuan, reflecting a growth of 3.96% compared to the end of the previous year [3]. - The non-performing loan balance was 38.67 billion yuan, an increase of 756 million yuan from the end of the previous year, with a non-performing loan ratio of 1.6%, unchanged from the previous year [3].

Group 1 - The core point of the news is that Huaxia Bank received the largest financial penalty of the year, amounting to 87.25 million yuan, due to multiple violations in loan, bill, and interbank business management [2][3] - The penalty was imposed following a risk management and internal control effectiveness inspection conducted by the financial regulatory authority [2] - Huaxia Bank acknowledged the penalty and stated it would analyze the causes of the issues, implement corrective measures, and hold responsible personnel accountable [2][3] Group 2 - In the first half of 2025, Huaxia Bank reported an operating income of 45.522 billion yuan, a year-on-year decrease of 5.86%, and a net profit attributable to shareholders of 11.47 billion yuan, down 7.95% year-on-year [3] - The bank's total assets reached 4,549.625 billion yuan, an increase of 3.96% compared to the end of the previous year, while the non-performing loan balance rose to 38.67 billion yuan, an increase of 0.756 billion yuan [3] - The non-performing loan ratio remained stable at 1.6%, and the provision coverage ratio decreased by 5.22 percentage points to 156.67% [3] Group 3 - Other financial institutions, such as Zheshang Bank and Jianxin Investment, also faced penalties for various violations, with Zheshang Bank fined 11.308 million yuan for imprudent management of internet loans [3] - Two former employees of Industrial and Commercial Bank of China (ICBC) received bans from the banking industry for five and seven years, respectively, due to serious violations of prudent operation rules [3][4] - The former ICBC asset management department general manager, Gu Jian gang, was implicated in corruption and was expelled from the party and public office [4][5]

金融监管部门开出今年以来金额最大罚单！ 据财新此前报道，2020年12月，工银理财业务部门2人在办公室同时被带走，分别为固定收益部主持工作的 投资经理李某（原资本处处长），而另一名是交易室主持工作的副处长易某彬。 9月5日下午，金融监管总局官网披露多条行政处罚信息，华夏银行、浙商银行、建信投资三家金融机构受到 行政处罚，工商银行原职员李某、易某彬2人均遭到禁业处罚。其中，华夏银行因相关贷款、票据、同业业务 管理存在多项违规，遭监管罚款8725万元，这也是2025年至今开出的金额最大的金融业罚单。 券商中国记者从华夏银行获悉，该罚单系金融监管总局2023年对该行开展风险管理及内控有效性现场检查之 后，开出的行政处罚的决定书。华夏银行回应称，对于监管部门的处罚决定，该行诚恳接受；对于监管处罚 问题，该行高度重视，将分析问题成因、落实各项整改指施，并对相关责任人员进行严肃问责。 华夏银行被开出年内最大罚单 9月5日，金融监管总局披露的信息显示， 华夏银行 及相关责任人员因存在相关贷款、票据、同业等业务管理 不审慎，监管数据报送不合规等违法违规行为，被罚款8725万元。同时，该行陈某天、刘某新遭到警告，钱 某华、何某 ...

编辑|何小桃 廖丹 易启江 校对|卢祥勇 封面图片来源：视觉中国，图文无关 每经记者｜张寿林 每经编辑｜何小桃 廖丹 9月5日，国家金融监管总局披露罚单，对华夏银行及相关责任人员作出处罚。因相关贷款、票据、同业等业务管理不审慎，监管数据报送不合规等，监管 对该行罚款8725万元，并对具体责任人员相应处以警告或者罚款，相关责任人员合计罚款20万元。 对此，华夏银行官方回应，近日收到国家金融监督管理总局2023年对华夏银行开展风险管理及内控有效性现场检查进行行政处罚的决定书。对于监管部门 的处罚决定，华夏银行诚恳接受。对于监管处罚问题，华夏银行高度重视，深入分析问题成因，已迅速落实各项整改措施，并对相关责任人员进行严肃问 责。 华夏银行表示，下一步将严格落实监管要求，持续强化内控合规管理，推动业务经营健康发展。 记者|张寿林 ｜每日经济新闻 nbdnews 原创文章｜ 未经许可禁止转载、摘编、复制及镜像等使用 ...