Core Viewpoint - The article provides a comprehensive analysis of the 13 urban commercial banks in Zhejiang Province, focusing on their shareholder structure, asset and liability conditions, operating income, profit situation, and asset quality. Shareholder Situation - Among the 13 urban commercial banks, Ningbo Bank and Hangzhou Bank are publicly listed on the A-share market. Zhejiang Tailong Commercial Bank and Zhejiang Chouzhou Commercial Bank have their top three shareholders primarily from private entities. Taizhou Bank's largest shareholder is China Merchants Bank [2][3]. Asset Situation - By the end of 2024, Ningbo Bank's total assets reached 3.13 trillion yuan, ranking first among urban commercial banks in Zhejiang, closely followed by Zhejiang Zheshang Bank at 3.33 trillion yuan. Hangzhou Bank's total assets were 2.11 trillion yuan, while Wenzhou Bank had 505.39 billion yuan, ranking third [4][6]. - The total assets of the other 10 banks were all below 500 billion yuan, with Ningbo Donghai Bank having the lowest at 19.12 billion yuan. All 13 banks showed positive growth in total assets compared to the end of 2023, with Ningbo Donghai Bank experiencing a significant increase of 37.19% [5][6]. Liability Situation - The ranking of liabilities among the 13 banks corresponds with their total assets, with growth rates generally aligning with asset growth [8][9]. - Core liabilities for these banks are primarily deposits, with Ningbo Donghai Bank having a deposit-to-liability ratio of 92.92%, and Taizhou Bank at 90.20%. The two publicly listed banks have deposit ratios below 65% [11]. Operating Income Situation - Ningbo Bank led with an operating income of 66.63 billion yuan in 2024, followed by Hangzhou Bank at 38.38 billion yuan. Three banks, including Tailong Bank, Taizhou Bank, and Chouzhou Bank, reported operating incomes exceeding 10 billion yuan [12][13]. - All 13 banks maintained positive growth in operating income, with Ningbo Donghai Bank showing the highest growth rate of 32.19% [13][14]. Profit Situation - Ningbo Bank achieved the highest net profit of 27.22 billion yuan in 2024, surpassing Zhejiang Zheshang Bank. Hangzhou Bank's net profit was 16.98 billion yuan [15][19]. - Other banks had net profits below 5 billion yuan, with Ningbo Donghai Bank reporting only 0.61 billion yuan [17][19]. Asset Quality and Other Situations - The overall asset quality of the 13 banks is good, with seven banks reporting non-performing loan (NPL) ratios below 1%. Both Ningbo Bank and Hangzhou Bank had NPL ratios of 0.76% [20][23]. - In terms of provision coverage ratio, Hangzhou Bank had the highest at 541.45%, while Min Tai Bank had the lowest at 134.27% [21][23]. - Tailong Bank reported the highest net interest margin at 3.71%, while Shaoxing Bank had the lowest at 1.23% [24].

Core Viewpoint - The A-share market experienced a downward trend on June 19, 2025, with the banking sector showing relative resilience, only declining by 0.15%, second only to the oil and petrochemical sector [1] Banking Sector Performance - Individual bank stocks showed localized activity, with notable gains from CITIC Bank, Shanghai Bank, and Jiangyin Bank, each rising over 1% [1] - The banking ETF (512800) opened lower but turned positive during the day, ultimately closing slightly down by 0.12%, continuing its strong performance throughout the year [2][3] ETF and Index Performance - The banking ETF (512800) has repeatedly set historical highs this year, with the index it tracks, the China Securities Banking Index, having increased by 11.87% year-to-date, outperforming the Shanghai Composite Index and CSI 300 by 12.18 and 14.2 percentage points, respectively [3][4] - The banking sector's strong performance is attributed to its status as a stable asset class, characterized by steady operations, consistent dividends, and high dividend yields, making it attractive in a volatile market [4] Fund Allocation and Future Outlook - Short-term drivers include regulatory changes encouraging public funds to increase their allocation to the banking sector, which currently has a significantly lower representation in active funds compared to its weight in the CSI 300 [5] - Analysts believe the core investment logic for the banking sector will persist, driven by its high dividend yield, potential for institutional fund inflows, and supportive policies for interest margins [5] - The current market environment is viewed as the beginning of a long-term trend, with low interest rates and the revaluation of RMB assets serving as foundational logic for this market cycle [5] Investment Opportunities - Investors looking for value in the banking sector are encouraged to consider the banking ETF (512800) and its associated funds, which provide exposure to a diversified portfolio of 42 listed banks in A-shares [6]

金融公益小队以"金融为民"为出发点，提前为同学们准备了由中国金融监督管理总局北京监管局指导，北京市银行业协会、北京市保险行业协 会编著《金融伴我成长（小学生读本）》，读本可读、可看、可听，一下子引起了同学们的学习兴趣。金融公益小队与同学们一起阅读，分享 文具店里的支付金融，与书中的主人公"小京"，共同学习各种金融支付方式、安全用卡常识、电子支付方式、安全支付知识。在阅读过程中， 同学们懂得了金融并非深不可测，它其实就在同学们身边，帮助他们提高自我保护意识和风险辨别能力，伴随着他们安全快乐地成长！ s e 017 s7 学生 北京公 @ (2) 0+ 企业供图 与书本同行，共赴一场春日阅读之约，与金融为伴，共享一次温暖金融之旅。在"世界读书日"当天，杭州银行北京分行金融公益小队走进安民 学校，与这里的同学们开展"书香润童年 金融伴成长"校园读书分享活动。 安民学校作为一所为外来务工人员的适龄子女提供小学教育服务的学校，它的存在让一群特殊孩子们本是无处安放的童年有了希望。学校有宽 敞明亮的教学环境、舒适安全的读书区域，为"流动着"的孩子们撑起了一片教育蓝天。 演员名言言 培根 2. 读[百遍,其义自见——陈寿 3 ...

截至 2025 年 6 月 19 日收市后，距离 2025 年 7 月 1 日（"杭 银转债"最后交易日）仅剩 8 个交易日，2025 年 7 月 1 日为"杭 银转债"最后一个交易日。 证券代码：600926 证券简称：杭州银行 公告编号：2025-048 优先股代码：360027 优先股简称：杭银优 1 可转债代码：110079 可转债简称：杭银转债 杭州银行股份有限公司 关于实施"杭银转债"赎回暨摘牌的 第十二次提示性公告 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： 赎回登记日：2025 年 7 月 4 日 赎回价格：100.4932 元/张 赎回款发放日：2025 年 7 月 7 日 最后交易日：2025 年 7 月 1 日 最后转股日：2025 年 7 月 4 日 截至 2025 年 6 月 19 日收市后，距离 2025 年 7 月 4 日（"杭 银转债"最后转股日）仅剩 11 个交易日，2025 年 7 月 4 日为"杭 银转债"最后一个转股日。 本次提前赎回完成后，"杭银转债"将自 202 ...

幼儿园阶段是小朋友认知能力快速发展的关键时期。在普及金融知识万里行活动期间，杭州银行北京分 行精心策划了面向幼儿园小朋友的"启蒙金融意识 探索货币乐趣"主题系列活动，通过趣味化、互动 化、双语化的金融知识普及活动，点燃小朋友对金融世界的好奇心与探索欲。 本次系列活动共计三场，杭州银行北京分行金融公益小队分别走进朝阳区、平谷区两家公立幼儿园和顺 义区一家国际幼儿园，将人民币知识巧妙融入童趣的世界，将复杂的金融知识转化为可感知、可理解、 可操作的四大趣味体验，让童心萌发金融新芽。 趣味一："人民币家族"大揭秘 银行工作人员化身为"金融老师"，使用色彩鲜艳、形象生动的PPT和大型人民币图卡，带领小朋友认识 不同面额的人民币。重点讲解人民币纸币、硬币的成员，介绍纸币、硬币背面的祖国名胜及花卉名称， 让小朋友对人民币的基础知识有了初步的认识。 趣味三："人民币保护"大作战 银行工作人员通过对比展示崭新整洁与破损、涂画的人民币图片，引导小朋友观察讨论哪种人民币看着 更"健康"，激发他们爱护人民币的意识，助力他们养成"不乱折、不乱画、不撕坏"人民币的好习惯。最 后，银行工作人员和小朋友一起宣誓，要努力成为爱护人民币的小卫士 ...

证券代码：600926 证券简称：杭州银行 公告编号：2025-047 优先股代码：360027 优先股简称：杭银优1 可转债代码：110079 可转债简称：杭银转债 杭州银行股份有限公司 关于2025年金融债券（第一期）发行完毕的公告 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。 经相关监管机构批准，杭州银行股份有限公司（以下简称"公 司"）于近日在全国银行间债券市场成功发行"杭州银行股份有 限公司2025年金融债券（第一期）"（以下简称"本期债券"）。 本期债券于2025年6月16日簿记建档，并于2025年6月18日发 行完毕，发行规模为人民币200亿元，其中品种一发行规模为人 民币150亿元，期限为3年期，票面利率为1.74%；品种二发行规 模为人民币50亿元，期限为5年期，票面利率为1.83%。 本期债券的募集资金将用于贷款及根据国家政策、市场状况、 公司资产负债配置需求等因素决定的其他用途。 特此公告。 杭州银行股份有限公司董事会 2025年6月19日 1 ...

杭州银行股份有限公司 关于实施"杭银转债"赎回暨摘牌的 第十次提示性公告 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。 证券代码：600926 证券简称：杭州银行 公告编号：2025-045 优先股代码：360027 优先股简称：杭银优 1 可转债代码：110079 可转债简称：杭银转债 最后转股日：2025 年 7 月 4 日 截至 2025 年 6 月 17 日收市后，距离 2025 年 7 月 4 日（"杭 银转债"最后转股日）仅剩 13 个交易日，2025 年 7 月 4 日为"杭 银转债"最后一个转股日。 本次提前赎回完成后，"杭银转债"将自 2025 年 7 月 7 日起在上海证券交易所摘牌。 1 重要内容提示： 赎回登记日：2025 年 7 月 4 日 赎回价格：100.4932 元/张 赎回款发放日：2025 年 7 月 7 日 最后交易日：2025 年 7 月 1 日 截至 2025 年 6 月 17 日收市后，距离 2025 年 7 月 1 日（"杭 银转债"最后交易日）仅剩 10 个交易日，2025 ...

证券代码：600926 证券简称：杭州银行 公告编号：2025-046 优先股代码：360027 优先股简称：杭银优 1 可转债代码：110079 可转债简称：杭银转债 杭州银行股份有限公司 关于实施"杭银转债"赎回暨摘牌的 第十一次提示性公告 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： 赎回登记日：2025 年 7 月 4 日 赎回价格：100.4932 元/张 赎回款发放日：2025 年 7 月 7 日 最后交易日：2025 年 7 月 1 日 截至 2025 年 6 月 18 日收市后，距离 2025 年 7 月 1 日（"杭 银转债"最后交易日）仅剩 9 个交易日，2025 年 7 月 1 日为"杭 银转债"最后一个交易日。 最后转股日：2025 年 7 月 4 日 截至 2025 年 6 月 18 日收市后，距离 2025 年 7 月 4 日（"杭 银转债"最后转股日）仅剩 12 个交易日，2025 年 7 月 4 日为"杭 银转债"最后一个转股日。 本次提前赎回完成后，"杭银转债"将自 202 ...

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].

Core Insights - Hefei has established itself as a highland for the integrated circuit industry in the Yangtze River Delta, creating a complete industrial chain ecosystem through deep integration of technological and industrial innovation [1] - The semiconductor manufacturing process relies heavily on ozone generators, which are critical for maintaining cleanliness and process stability [1] - A semiconductor company in Hefei, despite being newly established, has a strong core team of industry experts and has made significant technological breakthroughs in ozone equipment [1][2] Company Overview - The semiconductor company was registered at the end of 2024 and has a core team with extensive experience in the semiconductor industry [1] - The company has recognized the potential of the high-end ozone generator market in China and has received initial recognition from leading domestic semiconductor equipment firms [1] - The company faced challenges in securing financing due to its short establishment period and lack of collateral, which hindered its operational funding [1] Financial Support - After the Spring Festival, the company approached Hangzhou Bank Hefei Branch, which quickly formed a specialized team to assist [2] - The bank assessed the company's core team, technological prospects, and future financing capabilities, ultimately providing credit support before the company completed its first round of equity financing [2] - With the bank's financial assistance, the company's production line was completed by the end of May, leading to formal orders with major clients and rapid business growth [2] Strategic Focus - Hangzhou Bank Hefei Branch aims to support technological innovation and focuses on strategic emerging industries such as semiconductors, new energy vehicles, and intelligent manufacturing [2] - The bank is committed to creating a comprehensive financial service system that covers the entire lifecycle and industrial chain of enterprises [2] - The bank's efforts reflect a broader strategy to inject financial momentum into the transformation of technological achievements and the cultivation of new productive forces [2]