证券代码：600926 证券简称：杭州银行 公告编号：2025-050 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 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 23 日收市后，距离 2025 年 7 月 1 日（"杭 银转债"最后交易日）仅剩 6 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 23 日收市后，距离 2025 年 7 月 4 日（"杭 银转债"最后转股日）仅剩 9 个交易日，2025 年 7 月 4 日为"杭 银转债"最后一个转股日。 杭州银行股份有限公司 关于实施"杭银转债"赎回暨摘牌的 第十四次提示性公告 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 本次提前赎回完成后，"杭银转债"将自 2025 ...

Group 1 - The core viewpoint of the articles highlights the strong performance of bank stocks in the A-share market, with 19 out of 42 bank stocks reaching historical highs this year, representing 45.24% of the total, leading all sectors in the market [1][2] - The bank stock index has seen a cumulative increase of 12.73% year-to-date, significantly outperforming the CSI 300 index, which has declined by 2.24% during the same period [1] - The automotive sector ranks second in terms of the proportion of stocks reaching historical highs, with 19.06%, while the machinery equipment sector follows with 15.96% [1] Group 2 - The strong performance of bank stocks is attributed to three main factors: a continued loose domestic monetary policy in a low inflation environment, sustained inflow of long-term funds into high-dividend, low-volatility bank stocks, and the reform of public funds leading to increased allocation to bank stocks [2] - Current investment logic for bank stocks includes the gradual alleviation of pressure on bank interest margins due to a slowdown in loan rate declines, and the highlighted high dividend advantage of bank stocks during the interest rate downcycle [2] - Investors are advised to focus on high-quality regional small banks with strong growth potential and stable state-owned banks to capitalize on both performance recovery and high dividend opportunities [2]

Market Overview - The A-share market continued its volatile trend, with the Shanghai Composite Index closing at 3359.90 points, down 0.07%, and the Shenzhen Component Index at 10005.03 points, down 0.47% [2] - Market trading volume shrank again, with a total turnover of 106.78 billion yuan, decreasing by over 18 billion yuan compared to the previous trading day [2] Banking Sector - The banking sector showed strong performance, with the Shenwan Banking Index rising by 0.69%, accumulating nearly 5% this month and over 12% year-to-date [3] - Key banking stocks such as Bank of Communications, Xiamen Bank, and Minsheng Bank rose over 2%, while Hangzhou Bank, Shanghai Pudong Development Bank, and Nanjing Bank reached historical highs during the session [3] - As of the end of May, the RMB loan balance was 266.32 trillion yuan, with a year-on-year growth of 7.07%, and new RMB loans in May increased by 620 billion yuan [3] Liquor Sector - The liquor sector, particularly the white wine segment, rebounded with the Shenwan Liquor Index increasing by 1.13% after hitting a new low for the year [3] - Notable stock performances included Huangtai Liquor reaching the daily limit, and Yingjia Gongjiu rising over 7% [3] - The price of Feitian Moutai has been declining, with the wholesale reference price dropping by 30 yuan to 1950 yuan per bottle as of June 20 [4] TMT Sector - The TMT (Technology, Media, and Telecommunications) sector experienced a short-term decline, with the Shenwan Computer Index dropping over 2% this week [6] - Some institutions believe that the TMT sector has fully digested its previous congestion, and a new round of market activity is expected due to supportive policies for technology innovation [6] - The trading volume of the technology sector has significantly decreased, with the proportion of total A-share trading volume dropping to around 30% as of June 17, down from over 46% in February [6] Policy and Investment Outlook - The recent "1+6" policy measures for the Science and Technology Innovation Board signify a systematic upgrade aimed at supporting technology companies [7] - Future A-share investments are expected to favor companies with strategic direction and high-quality growth potential, particularly those with hard technology attributes [7]

Core Insights - The 2025 China International Financial Expo was held in Shanghai, showcasing over 400 financial institutions and technology companies, with Hangzhou Bank being a prominent participant [1] - Hangzhou Bank emphasizes serving the real economy and has showcased over 20 digital financial solutions, reflecting its digital transformation achievements [3] Group 1: Technological Transformation - Hangzhou Bank is committed to self-controlled research and development, investing in cloud-native applications, intelligent observability systems, and big data platforms to support rapid business growth [4] - The bank successfully launched a new generation of distributed, cloud-native core business systems in November 2023, which won the "2023 Financial Technology Development Award" from the People's Bank of China [4] - Significant advancements in AI have been made, with AI technology being integrated into various operational areas, transforming tools into productivity outputs [4] Group 2: Innovative Financial Services - The bank collaborated with Huawei to create the Harmony Smart Hall ecosystem, enhancing service experiences through a standardized technical framework and a comprehensive application ecosystem [5] - The "Four Connections and Three Easies" comprehensive financial service ecosystem was introduced, integrating seven core products to meet the full lifecycle financial needs of government and enterprise clients [7] - The "Xinyibao" platform serves as an ideal partner for small and medium-sized enterprises in their digital transformation, offering various integrated services [7] Group 3: Future Focus - Hangzhou Bank aims to leverage opportunities in financial digital transformation and open innovation, focusing on enhancing core financial technology capabilities [7]

杭州银行股份有限公司 关于实施"杭银转债"赎回暨摘牌的 第十三次提示性公告 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 证券代码：600926 证券简称：杭州银行 公告编号：2025-049 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 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 20 日收市后，距离 2025 年 7 月 1 日（"杭 银转债"最后交易日）仅剩 7 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 20 日收市后，距离 2025 年 7 月 4 日（"杭 银转债"最后转股日）仅剩 10 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 ...

Group 1 - A-shares of bank stocks continue to rise, with Hangzhou Bank, Pudong Development Bank, Bank of Communications, Nanjing Bank, CITIC Bank, Everbright Bank, and Jiangsu Bank collectively reaching historical highs [1]

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 ...