Core Viewpoint - The six A-share listed city commercial banks in the Yangtze River Delta region are demonstrating resilient growth, achieving increases in both revenue and net profit despite the pressure of narrowing interest margins [1][2]. Revenue and Profit Growth - All six city commercial banks reported year-on-year growth in both revenue and net profit for the first three quarters, with five banks achieving profits exceeding 10 billion yuan, except for Suzhou Bank, which is relatively smaller [2]. - Jiangsu Bank led with a revenue of 67.183 billion yuan and a net profit of 30.583 billion yuan, ranking first among A-share city commercial banks [2]. Interest Income Performance - Despite the overall pressure on interest margins, all six banks achieved year-on-year growth in net interest income, with Nanjing Bank and Jiangsu Bank showing significant increases of 28.52% and 19.61%, respectively [3]. - Nanjing Bank attributed its growth in net interest income to increased credit investment and optimized asset allocation strategies, alongside a reduction in deposit costs [3]. Asset Expansion - The six banks are steadily expanding their asset scales, with Jiangsu Bank holding the largest total assets of 4.93 trillion yuan, marking a 24.68% increase from the beginning of the year, the fastest growth among A-share listed banks [6]. - All banks exhibited strong growth in both deposits and loans, with Jiangsu Bank's total deposits reaching 2.54 trillion yuan, a 20.22% increase, and total loans growing by 17.87% to 2.47 trillion yuan [6]. Corporate Lending Growth - Corporate lending has become the main driver of credit expansion for these banks, with significant growth in loans for technology finance, inclusive finance, and green finance [9]. - For instance, Nanjing Bank's corporate loans increased by 14.63%, with notable growth in green finance (33.03%), technology finance (17.47%), and inclusive finance (16.16%) [9]. Asset Quality - The asset quality of the six banks remains stable, with non-performing loan (NPL) ratios either holding steady or declining. Jiangsu Bank's NPL ratio decreased by 0.05 percentage points to 0.84% [10]. - Nanjing Bank's NPL ratio remained stable at 0.83%, reflecting effective risk management and asset disposal strategies [10]. Capital Adequacy - Shanghai Bank reported a high core Tier 1 capital adequacy ratio of 10.52%, up 0.17 percentage points from the beginning of the year, supported by improved profitability and capital management [11]. - Both Hangzhou Bank and Nanjing Bank completed convertible bond conversions, with their core Tier 1 capital ratios rising to 9.64% and 9.54%, respectively [11]. Dividend Distribution - Several banks, including Shanghai Bank and Suzhou Bank, have completed mid-term dividend distributions, with Jiangsu Bank and Ningbo Bank also advancing their mid-term dividend plans [12]. - Hangzhou Bank has consistently increased its cash dividend ratio, with a projected mid-term dividend of 2.755 billion yuan for 2025, reflecting a commitment to enhancing shareholder returns [13].

（文章来源：证券日报） 证券日报网讯杭州银行11月24日在互动平台回答投资者提问时表示，为了保证信息披露的公平性，公司 在定期报告中披露相应时点的股东人数信息。截至2025年9月30日，公司股东人数为67，570名。 ...

Core Viewpoint - The recent surge in stock prices of major Chinese banks is driven by their mid-term dividend announcements, with a total cash dividend amounting to 2637.90 billion yuan for 2025, indicating significant investment potential in the banking sector [2][4]. Dividend Announcements - As of November 24, 2025, 24 A-share listed banks have disclosed their mid-term dividend plans, with a total cash dividend of 2638 billion yuan [4]. - Notably, seven banks, including Industrial Bank, Changsha Bank, and Ningbo Bank, are implementing mid-term dividends for the first time since their listings [2]. - The six major state-owned banks are expected to distribute over 2046 billion yuan in dividends [5]. Dividend Yield - The average dividend yield for listed banks as of November 24 is 4.48%, with 12 banks yielding over 5% and 26 banks exceeding 4% [6]. - Specific banks like Bank of Communications and China Construction Bank have dividend yields of 4.18% and 3.93%, respectively [6]. Shareholder and Executive Buybacks - There has been a notable increase in share buybacks by major shareholders and executives of listed banks, signaling positive market sentiment [8]. - For instance, Chengdu Bank's major shareholders have collectively bought approximately 34.25 million shares, investing 6.11 billion yuan from August 27 to November 21 [8]. - Nanjing Bank reported that foreign shareholder BNP Paribas increased its stake by over 128 million shares, raising its ownership to 18.06% [9]. Overall Market Sentiment - The banking sector has seen a net increase in holdings exceeding 9 billion yuan, with significant buybacks from shareholders and executives across multiple banks [10]. - The proactive buyback activities reflect confidence in the banks' future strategies and growth prospects, with the banking sector ranking second in shareholder buybacks this year, only behind the transportation sector [10].

风财眼致力于银行领域的原创报道，旨在履行媒体监督职责，以期共营健康的金融环境。 宁波市场监管局近日披露2025年第22期食品安全监督抽检信息，其中杭州银行宁波分行食堂销售的沼虾(淡水虾)，存在兽药恩诺沙星残留超标的情况。 以下文章来源于风财眼 ，作者银行财眼 风财眼 . 检测结果显示，沼虾中恩诺沙星检出值(μg/kg)为1.16×10³（1160μg/kg），超过"不大于100μg/kg"的标准规定11倍之多。 | 浙江省宁波市鄞州区 | 福明街道惊驾路672弄 沼虾 | 恩诺沙星, | | | | | --- | --- | --- | --- | --- | --- | | 杭州银行股份有限公 | 2025-08- | ug/kg 1.16×103 | 9号、惊驾路680、688 （淡水 | 06 | 司宁波分行 | | 、696号、汉德城公寓 虾) | <100 | 1、2、3号 | | | | 对此，凤凰网财经《银行财眼》致电杭州银行宁波分行电话，但未能接通。随后，《银行财眼》又联系了杭州银行投资者关系专线电话和官方客服电话， 前者回复称对此事并不清楚，后者表示将对此事核实后再给予回复。 据宁波市场监 ...

Core Viewpoint - The recent surge in stock prices of major banks in China is driven by their mid-term dividend announcements, with a total cash dividend amounting to 2638 billion yuan for 2025, indicating significant value potential in the banking sector [2][3][4]. Dividend Announcements - As of November 24, 2025, 24 A-share listed banks have disclosed their mid-term dividend plans, with a total cash dividend of 2638 billion yuan, including first-time mid-term dividends from seven banks [2][4]. - Notably, Wuxi Bank announced a cash dividend of 0.11 yuan per share, totaling 2.41 billion yuan, with the ex-dividend date on November 25, 2025 [4]. - Hangzhou Bank plans to distribute a cash dividend of 0.38 yuan per share, amounting to 27.55 billion yuan, reflecting a 24.10% increase from the previous year [4]. Dividend Yields - The average dividend yield for listed banks as of November 24 is 4.48%, with 12 banks yielding over 5% and 26 banks over 4% [5]. - Major banks like Bank of Communications and Agricultural Bank of China have lower yields, ranging from 3% to 4.18% [5]. Shareholder and Executive Buybacks - There has been a notable increase in share buybacks by major shareholders and executives, signaling positive market sentiment [7][8]. - For instance, Chengdu Bank's major shareholders increased their holdings by approximately 34.24 million shares, investing 611 million yuan [7]. - The banking sector has seen a total of 126.30 billion yuan in buybacks this year, ranking second among industry sectors [8]. Market Performance and Outlook - The banking sector has experienced a net increase in holdings exceeding 90 billion yuan, with significant support for stock prices from shareholder buybacks [6][9]. - Analysts suggest that the upcoming long-term capital allocation period at year-end will further enhance the market performance of bank stocks [9].

Group 1 - Ningbo Market Supervision Administration reported six batches of food products that failed safety inspections, indicating ongoing food safety concerns in the region [1] - Specific non-compliance issues included the presence of harmful substances such as enrofloxacin in fish and shrimp, and chloramphenicol in sausages, highlighting risks in food supply chains [1] - The administration has mandated local regulatory bodies to take legal action against the non-compliant food products and their producers, ensuring that these incidents are recorded in the food safety credit archives of the businesses involved [1] Group 2 - Hangzhou Bank, established in 1996, is a member of the Hangzhou Financial Investment Group and primarily engages in monetary financial services [2] - The registered capital of Hangzhou Bank is approximately 593 million RMB, reflecting its financial standing and capacity for investment [2]

11月24日金融一线消息，宁波市市场监督管理局近日发布的2025年第22期食品安全监督抽检信息通告显示，杭州银行股份有限公司宁波分行食堂销售的沼虾（淡水虾），因恩诺沙星不符合标准 检测结果显示，该批次沼虾的恩诺沙星检出值为1160μg/kg，而根据《食品安全国家标准 食品中兽药最大残留限量》（GB 31650—2019）规定，恩诺沙星在家禽和其他动物肌肉中的最大残留 恩诺沙星属于氟喹诺酮类药物，是一类人工合成的广谱抗菌药，用于治疗动物的皮肤感染、呼吸道感染等，是动物专属用药。水产品中恩诺沙星残留量超标的原因，可能是在养殖过程中为快速控 公开信息显示，杭州银行宁波分行食堂委托新日月生活服务集团股份有限公司管理，该管理项目2025年中标金额为96.08万元/年。 针对此次抽检发现的不合格食品，宁波市市场监督管理局已要求属地市场监管部门对相关食品及生产经营者依法查处，并将相关情况记入食品安全信用档案，后续查处情况将按管理权限依法依规 责任编辑：秦艺 ...

Core Insights - The article emphasizes the abundance of bank wealth management products with similar names and vague characteristics, urging investors to carefully select and differentiate among them [1] - The focus is on pure fixed-income products issued by wealth management companies, providing a performance ranking of these products based on their annualized returns over the past month, three months, and six months [1] Summary by Category Product Performance - The ranking showcases products with outstanding performance, sorted by annualized returns over the past three months to reflect their multidimensional yield performance amid recent market fluctuations [1] - Specific products highlighted include those from Huaxia Bank, which achieved annualized returns of 9.89% over 1 month and 10.92% over 3 months for a 180-day holding period [7] - Other notable products include those from China Bank and China Construction Bank, with varying annualized returns across different holding periods [5][8] Distribution Channels - The article lists 28 distribution institutions, including major banks such as Industrial and Commercial Bank of China, Bank of China, and Agricultural Bank of China, among others [2] - It notes that the availability of products may vary due to factors like sold-out quotas or differences in product listings for different customers, advising investors to refer to the actual displays on bank apps [2] Data Source - The performance data is sourced from the Nanfang Financial Terminal and Nanfang Wealth Management, with statistics as of November 20 [5][12]

Core Insights - The article emphasizes the importance of distinguishing between various bank wealth management products, which often have similar names and vague characteristics, to help investors make informed choices [1] - The South Finance Wealth Management team focuses on ranking the performance of publicly offered products with minimum holding periods, specifically categorizing them by 90 days, 180 days, and 365 days [1] Group 1: Product Performance Rankings - The article provides a ranking of wealth management products based on their annualized returns for different holding periods, with a focus on those with a minimum holding period of 90 days [1] - For 90-day holding period products, the top performers include: - Hangzhou Bank's "Sunrise 40 Years Tanaka" with a return of 14.71% [4] - Hangzhou Bank's "Happiness 99 Excellence" with a return of 12.75% [4] - Minsheng Bank's "Yuanmen Pure Bond" with a return of 10.31% [4] - The rankings are based on annualized yield calculations corresponding to the holding period, ensuring a fair comparison among similar products [1][4] Group 2: Distribution Institutions - The article lists 28 distribution institutions involved in selling these wealth management products, including major banks such as Industrial and Commercial Bank of China, Bank of China, and Agricultural Bank of China [2] - It highlights that the availability of products may vary due to factors like sold-out quotas or differences in product listings shown to different customers [2] Group 3: Additional Product Insights - The article mentions that the performance rankings are intended to reduce the selection cost for investors by providing a clear overview of the best-performing products in the market [1] - It also notes that the rankings are for reference only and that investors should verify the actual availability of products through the respective bank's app [2]

编者按：当前银行理财货架产品琳琅满目，诸如"增强""稳健""均衡"等名称相近、特征模糊的产品层出不穷，投资者应如何甄别 与选择？为降低投资者的选择成本，南财理财通课题组从代销机构角度入手，聚焦各渠道当周在售的理财产品，搜罗其中业绩 表现优异者，并发布代销产品业绩榜单。 此外，南财理财通虽力求客观公正，但不对本评价榜信息的真实性、完整性和准确性作任何保证，排名信息仅供参考。 | 1 | 中国银行 | 汇浮信电影 放式 | 汇华理财 | 1 | -24.5 | 40.6 | 30.5 | | --- | --- | --- | --- | --- | --- | --- | --- | | | | | | | 9% | 1% | 4% | | 2 | 平安银行 | 优享增强1号 | 平安理财 | 360 | 46.8 | 35.6 | 23.6 | | | | | | | 2% | 9% | 7% | | 3 | 光大银 行兴业 | 阳光橙增盈稳健1 | 光大理财 | 1 | 34.7 | 30.2 | 18.8 | | | 银行 | 를 | | | 9% | 9% | 2% | | 4 | 招商银行 | 招智泓 ...