Core Viewpoint - China’s central bank has imposed a fine exceeding 13.8 million yuan on Huaxia Bank due to multiple regulatory violations, highlighting ongoing scrutiny in the banking sector [1][2]. Regulatory Actions - Huaxia Bank was penalized for 10 violations, including breaches of account management, clearing management, and anti-counterfeit currency regulations, resulting in a total fine of 13.8096 million yuan [1]. - Several responsible individuals within Huaxia Bank were also fined between 10,000 to 130,000 yuan [2]. - The penalties stemmed from issues identified during a comprehensive enforcement inspection conducted by the central bank in 2022 [2]. Financial Performance - As of the end of Q3 2025, Huaxia Bank's total assets reached 45,863.58 billion yuan, reflecting an increase of 2,098.67 billion yuan or 4.80% year-on-year [3]. - The bank reported a revenue of 648.81 billion yuan for the first three quarters, marking a decline of 8.79% compared to the previous year [3]. - The net profit attributable to shareholders was 179.82 billion yuan, down 2.86% year-on-year [3]. Asset Quality - Huaxia Bank's non-performing loan ratio stood at 1.58% at the end of Q3 2025, a slight decrease of 0.02 percentage points from the end of the previous year [3]. - The provision coverage ratio was 149.33%, which decreased by 12.56 percentage points compared to the end of the previous year [3].

Core Viewpoint - Huaxia Bank was fined a total of 13.8096 million yuan due to 10 business violations, and the bank has stated that all issues have been rectified [2][5]. Summary by Category Regulatory Actions - The People's Bank of China announced that Huaxia Bank was penalized for 10 violations, including breaches of account management, clearing management, and anti-counterfeit currency regulations [2][3]. - The total penalty included the confiscation of illegal gains amounting to 154,567.91 yuan and a fine of 13.655 million yuan [2][3]. Violations - Specific violations included: 1. Violating account management regulations 2. Violating clearing management regulations 3. Violating acquiring business management regulations 4. Violating anti-counterfeit currency regulations 5. Violating RMB circulation management regulations 6. Violating credit information collection and management regulations 7. Failing to perform customer identity verification as required 8. Failing to retain customer identity information and transaction records as required 9. Failing to report large transactions or suspicious transactions as required 10. Conducting transactions with unidentified customers [2][3][5]. Management Response - Huaxia Bank acknowledged the penalties and emphasized that it has taken the issues seriously, conducting a thorough analysis of the causes and implementing corrective measures [5]. - The bank reported that all identified issues have been fully rectified [5]. Financial Performance - As of the end of Q3 2025, Huaxia Bank's total assets reached 45,863.58 billion yuan, an increase of 2,098.67 billion yuan or 4.80% from the previous year [6]. - The bank's operating income for the first three quarters was 648.81 billion yuan, a year-on-year decrease of 8.79%, while the net profit attributable to shareholders was 179.82 billion yuan, down 2.86% year-on-year [6]. - The non-performing loan ratio stood at 1.58%, a decrease of 0.02 percentage points from the end of the previous year, while the provision coverage ratio was 149.33%, down 12.56 percentage points [6].

对于上述罚单，华夏银行回应表示，此次处罚是基于 2022 年中国人民银行开展的综合执法 检查发现问题做出的。华夏银行对发现的问题高度重视，深入分析问题成因，已迅速落实各 项整改措施，所涉及问题已全部整改完毕。 值得一提的是，在今年 9 月，华夏银行曾被开具一张 " 巨额 " 罚单，处罚金额创下今年以来 金融监管部门开具的银行业第二大单笔罚款纪录。国家金融监督管理总局披露公告称，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 " ，被处罚款 8725 万元，并对该行两名涉事责任人给予警告，四名涉事责任人给予警告并罚款合计 20 万 元。 【 导读 】 因 10 项业务违规，华夏银行被罚没 1380.96 万元，该行回应 " 全部整改完毕 " 中国基金报记者 嘉合 11 月 28 日，中国人民银行发布行政处罚公告显示，因多项业务违规，华夏银行被罚超千 万。 具体来看，华夏银行存在 10 项违法违规行为，因此被处以警告，没收违法所得 15.456791 万元，并处以罚款 1365.5 万元，合计罚没金额达 1380.96 万元。具体违法违规行为如下： 违反账户管理规定；违反清算管理规定 ...

华夏银行回应上海证券报记者表示，此次处罚是基于2022年中国人民银行开展的综合执法检查发现问题 做出的。华夏银行对发现的问题高度重视，深入分析问题成因，已落实各项整改措施，所涉及问题已全 部整改完毕。华夏银行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。 来源：上海证券报·中国证券网 上证报中国证券网讯（记者 韩宋辉）11月28日，中国人民银行公布的行政处罚信息显示，中国人民银 行对华夏银行作出警告，没收违法所得15.456791万元，罚款1365.5万元，合约1381万元。 ...

(编辑：王欣宇)关键字： 对此，华夏银行表示，此次处罚是基于2022年中国人民银行开展的综合执法检查发现问题做出的。华夏 银行对发现的问题高度重视，深入分析问题成因，已迅速落实各项整改措施，所涉及的问题已全部整改 完毕。华夏银行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。 （中国人民银行、华夏银行） 10月28日，中国人民银行官网披露的行政处罚信息显示，华夏银行因：违反账户管理规定；违反清算管 理规定；违反收单业务管理规定；违反反假货币业务管理规定；违反人民币流通管理规定；违反信用信 息采集、提供、查询及相关管理规定；未按规定履行客户身份识别义务；未按规定保存客户身份资料和 交易记录；未按规定报送大额交易报告或者可疑交易报告；与身份不明的客户进行交易共十项违规行为 被警告，没收违法所得15.456791万元，罚款1365.5万元。 另有8名员工合计被处以55万元罚款。 ...

中国人民银行 ：就 华夏银行 违法行为对其罚款1365.5万元。 ...

中国人民银行：就华夏银行违法行为对其罚款1365.5万元。 ...

Market Overview - The banking sector saw a decline of 0.92% on November 28, with Industrial Bank leading the drop [1] - The Shanghai Composite Index closed at 3888.6, up 0.34%, while the Shenzhen Component Index closed at 12984.08, up 0.85% [1] Individual Bank Performance - The closing prices and changes for major banks are as follows: - China Merchants Bank: 42.95, -0.56% - Zheshang Bank: 3.07, -0.65% - Ping An Bank: 11.61, -0.85% - Minsheng Bank: 4.09, -0.97% - Huaxia Bank: 6.93, -1.00% - Citic Bank: 7.76, -1.02% - Everbright Bank: 3.61, -1.10% - Pudong Development Bank: 11.48, -1.20% - Industrial Bank: 21.11, -1.31% [1] Capital Flow Analysis - The banking sector experienced a net inflow of 264 million yuan from institutional investors, while retail investors saw a net outflow of approximately 969,840 yuan [1] - Detailed capital flow for individual banks shows: - China Merchants Bank: 32.5 million net inflow from institutions, 36.1 million net outflow from retail - Industrial Bank: 47.9 million net inflow from institutions, 45.1 million net outflow from retail [2] - Ping An Bank: 30.6 million net inflow from institutions, 31.7 million net outflow from retail [2] - Huaxia Bank: 16.3 million net inflow from institutions, 30.9 million net outflow from retail [2] - Pudong Development Bank: 60.9 million net outflow from institutions, 69.1 million net inflow from retail [2] - Everbright Bank: 87.1 million net outflow from institutions, 20.3 million net inflow from retail [2]

Core Points - The National Financial Regulatory Administration has approved the qualifications of Mr. Lü Chen and Mr. Ma Jinzhao as directors of Huaxia Bank, effective from November 25, 2025 [1][2] - The term for Mr. Lü Chen and Mr. Ma Jinzhao as directors will last until the completion of the ninth board of directors of Huaxia Bank [1] Summary of Directors' Background - Mr. Lü Chen, a non-executive director, was born in October 1971 and holds a master's degree. He has held various senior positions in the China People's Insurance Company and is currently a vice president and audit responsible person at China People's Property Insurance Co., Ltd. [2] - Mr. Ma Jinzhao, also a non-executive director, was born in October 1985 and has a master's degree. He has worked in various financial management roles within Shougang Group and is currently the deputy director of the operating finance department [2]

Group 1 - Huaxia Bank announced the appointment of Gong Weihua as Chief Information Officer starting November 13, 2025, following approval from the financial regulatory authority [1] - The bank has seen significant changes in its middle management, including the appointment of several vice presidents across various branches [1] - Li Hao, former vice president of Huaxia Bank's Beijing branch, has been reassigned to the Harbin branch, while Li Xiyu from Zheshang Bank will serve as deputy leader of the Beijing urban sub-center branch [2] Group 2 - As of June 30, 2025, Huaxia Bank operates in 120 cities across China, with a total workforce of 36,775 employees, reflecting a reduction of 1,531 employees or nearly 4% from the previous year [3] - The bank's business and management expenses for the first half of the year amounted to 12.828 billion yuan, a decrease of 209 million yuan or 1.60% year-on-year, attributed to cost management efforts [3] - Huaxia Bank has completed the absorption and merger of its village banks, with the Sichuan financial regulatory authority approving the dissolution of Sichuan Jiangyou Huaxia Village Bank [4] Group 3 - The Jiangyou Village Bank, established in September 2011 with a registered capital of 75 million yuan, had total assets of approximately 188.12 million yuan and net assets of 17.66 million yuan as of June 30, 2025 [4] - The restructuring of village banks aligns with regulatory efforts to mitigate financial risks, as emphasized by the financial regulatory authority's focus on the reform of small financial institutions [5]