未来，西安银行将结合现有智慧景区解决方案，与云创科技共同推动对其合作景区的结算、收单等金融 服务，针对部分景区业务、旅游年卡等共同创新针对垂直领域特定场景下零售金融的服务模式。结合文 旅数智供应链金融平台推进数据驱动模式下的融资业务，依托银企合作，双方发挥各自优势助力陕西文 旅产业高质量发展。 7月22日，西安银行股份有限公司与陕西文化产业投资控股（集团）有限公司正式签署战略合作协议并 联合发布"文旅数智供应链金融平台"。该平台是响应国家"数据要素×"三年行动计划及央行供应链金融 创新发展政策的重要成果。平台以"数据驱动+场景应用+金融赋能"为核心，创新文旅数据资产交易路 径，推动实现文旅数据流、资金流、物流、商流"四流合一"，强化需求预测、智能决策、风险感知能 力，切实将文旅数据资产转化为企业增信工具，成为融资"通行证"，持续构建新型数字化供应链金融模 式，推动文旅产业价值链延伸。未来，平台将依托数据金融风控大模型智能化分析能力，为文旅全产业 链提供涵盖授信、放款、监管的全周期金融服务，为陕西打造万亿级文旅产业集群提供强大数字金融引 擎。 数字金融遇见千年文旅 围绕我省建设文化强省，打造万亿级文旅产业集群战 ...

近期，商业银行资本补充明显提速，特别是进入二季度以来，多家中小银行密集"补血"。数据显示，截 至7月15日，我国商业银行年内已发行"二永债"（二级资本债、永续债）合计8945.6亿元，发行数量达 到57只。 "在银行机构利润承压，内源性资本补充空间缩窄的背景下，发行'二永债'无论是对于上市银行还是非 上市银行而言，都具有较高的可行性。"中国银行（601988）研究院研究员杜阳在接受《金融时报》记 者采访时表示。 多数受访专家认为，目前，我国经济顶压前行、稳定运行，高质量发展扎实推进，带动各领域信贷投放 量增长。银行加大对重点领域和薄弱环节的信贷支持力度，信贷总量上升消耗资本，催生银行加速补充 资本的需求。 中小银行资本补充压力突出 值得一提的是，虽然国有大行是发行主力，但整体较上年同期有所缩量；而全国性股份制银行、城商 行、农商行等中小银行的发行规模较上年同期增长明显。 6月18日，兰州银行（001227）发布公告称，已获准发行规模不超过50亿元无固定期限资本债券。 二季度以来，浙江稠州银行、四川银行、江苏银行（600919）、北京银行（601169）、兰州银行、西安 银行（600928）、青岛农商银行等近2 ...

Core Viewpoint - A-share listed banks are experiencing a peak in dividend distribution for the 2024 fiscal year, with over thirty banks having completed their annual dividends and several others announcing dividend implementation plans [1][3][4]. Group 1: 2024 Annual Dividends - The Industrial and Commercial Bank of China (ICBC) leads with a total cash dividend of approximately 109.77 billion yuan for the previous year [3][4]. - The six major state-owned banks have collectively distributed over 420 billion yuan in dividends for 2024, with ICBC, China Construction Bank, Agricultural Bank of China, and Bank of China being the top contributors [4][6]. - Other banks such as China CITIC Bank and Beijing Bank have also announced significant cash dividends, with CITIC Bank distributing around 19.46 billion yuan [4][5]. Group 2: 2025 Mid-Year Dividend Plans - Several banks, including China Merchants Bank and Hangzhou Bank, have initiated plans for mid-year dividends in 2025, aiming to enhance investor returns [1][8][10]. - The focus on mid-year dividends is seen as a strategy to improve liquidity and provide more consistent cash flow to investors, which may support long-term stock price appreciation [10]. - Banks like Su Nong Bank and Changsha Bank have expressed intentions to implement mid-year dividend plans based on their financial performance and regulatory requirements [8][9]. Group 3: Stock Performance and Market Trends - The banking sector has shown strong performance in the A-share market, with several banks achieving significant stock price increases in the first half of the year [12][13]. - The overall dividend yield of the banking sector remains attractive, particularly in a low-interest-rate environment, making it appealing for long-term investors [10][13]. - Some banks have faced challenges in executing share buyback plans due to stock price fluctuations, indicating a cautious approach to capital management [11][14].

智通财经7月14日电，银行股盘中再度走强，贵州银行涨超4%，民生银行涨超3%，浙商银行、华夏银 行、厦门银行、中信银行、西安银行、邮储银行等跟涨。 银行股再度走强 贵州银行涨超4% ...

Core Viewpoint - The banking sector in A-shares is experiencing a significant dividend distribution period, with total dividends exceeding 630 billion yuan for 2024, marking an increase of 20 billion yuan compared to the previous year, and setting a new historical high [1][7]. Dividend Distribution Peak - As of July 11, 2024, A-share listed banks are in a peak dividend distribution phase, with both China Merchants Bank and Xi'an Bank distributing cash dividends on the same day [3]. - China Merchants Bank announced a cash dividend of 2.000 yuan per share, totaling approximately 50.44 billion yuan, with a dividend yield of about 5.7% based on a hypothetical stock price of 35 yuan [3]. - Xi'an Bank distributed 1 yuan for every 10 shares, amounting to 444 million yuan, which represents 17.37% of its net profit [4]. - On July 10, Beijing Bank and CITIC Bank also executed dividend distributions, with Beijing Bank distributing 0.2 yuan per share, totaling 4.23 billion yuan, and CITIC Bank distributing 0.1722 yuan per share, totaling 9.582 billion yuan [4][5]. Acceleration of Dividend Distribution - A total of 33 A-share listed banks have completed their 2024 annual dividend distributions, with five more having announced their dividend plans [6]. - Major state-owned banks like Industrial and Commercial Bank of China and Agricultural Bank of China have also announced their dividend distributions, with ICBC distributing 0.1646 yuan per share and ABC distributing 0.1255 yuan per share [6]. - The trend of earlier dividend distributions among major state-owned banks indicates a proactive approach to enhancing shareholder returns [6]. Mid-term Dividend Layout - In addition to the ongoing annual dividends, banks are also planning mid-term dividends for 2025, with several banks expressing intentions to enhance shareholder returns through mid-term distributions [9]. - Changsha Bank and Su Nong Bank have indicated plans to implement mid-term dividends based on their net profits, aiming to improve investor satisfaction [9]. - The trend towards mid-term dividends is expected to provide more stable cash flows for investors, supporting sustained stock price growth [13]. Market Outlook - Analysts predict that the decline in net profit and revenue for listed banks is expected to stabilize, with a projected year-on-year revenue decline of 0.9% and a net profit decline of 0.5% [14]. - 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 underlying logic for the ongoing market rally [15]. - The banking sector's stable profitability and dividend distribution are expected to attract long-term capital, reinforcing the investment value of banks with high dividend yields and solid asset quality [16].

Core Viewpoint - The A-share listed banks are experiencing a peak in dividend distribution, with total dividends for 2024 exceeding 630 billion yuan, marking an increase of 20 billion yuan from the previous year, and setting a new historical high [1][4]. Dividend Distribution - On July 11, both China Merchants Bank and Xi'an Bank distributed cash dividends, with China Merchants Bank paying 2.000 yuan per share, totaling approximately 50.44 billion yuan, resulting in a dividend yield of about 5.7% based on a hypothetical share price of 35 yuan [2][3]. - Xi'an Bank distributed 1 yuan for every 10 shares, amounting to 444 million yuan, which represents 17.37% of its net profit [2]. - On July 10, Beijing Bank and CITIC Bank also executed dividend distributions, with Beijing Bank distributing 0.2 yuan per share, totaling 4.23 billion yuan, and CITIC Bank distributing 0.1722 yuan per share, totaling 9.582 billion yuan [3]. Overall Dividend Performance - As of July 11, 33 A-share listed banks have completed their 2024 annual dividend distributions, with five more having announced their plans [3]. - The six major state-owned banks maintained a dividend payout ratio of over 30%, with total cash dividends reaching 420.63 billion yuan, led by Industrial and Commercial Bank of China with 109.77 billion yuan [4]. Mid-term Dividend Plans - Several banks are planning mid-term dividends for 2025, with institutions like Changsha Bank and Su Nong Bank expressing intentions to enhance shareholder returns through mid-term distributions [5][6]. - The trend of increasing mid-term dividends is seen as a strategy to improve investor satisfaction and share the benefits of high-quality growth [6]. Market Outlook - Analysts predict a narrowing decline in net profit and revenue for listed banks in the first half of the year, with expectations of a 0.9% year-on-year decrease in revenue and a 0.5% decrease in net profit [7]. - The current market environment is viewed as the beginning of a long-term upward trend for bank stocks, supported by low interest rates and the revaluation of RMB assets [7].

证券代码：600928 证券简称：西安银行 公告编号：2025-037 西安银行股份有限公司 2024年年度权益分派实施公告 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： 每股分配比例 一、通过分配方案的股东大会届次和日期 本次利润分配方案经西安银行股份有限公司（以下简称"本公司"） 2025 年 5 月 30 日的2024年度股东大会审议通过。 二、分配方案 1.发放年度：2024年年度 2.分派对象： 截至股权登记日下午上海证券交易所收市后，在中国证券登记结 算有限责任公司上海分公司（以下简称"中国结算上海分公司"）登记 在册的本公司全体股东。 A 股每股现金红利0.1元(含税) 相关日期 | 股份类别 | 股权登记日 | 最后交易日 | 除权（息）日 | 现金红利发放日 | | --- | --- | --- | --- | --- | | Ａ股 | 2025/7/10 | － | 2025/7/11 | 2025/7/11 | 差异化分红送转：否 3.分配方案： 本次利润分配以方案实施前的公司总股本 ...

证券代码：600928 证券简称：西安银行 公告编号：2025-036 本期债券的募集资金将依据适用法律和监管部门的批准，补充本 公司的其他一级资本。 特此公告。 西安银行股份有限公司董事会 2025 年 6 月 27 日 西安银行股份有限公司关于 2025 年 无固定期限资本债券（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。 经国家金融监督管理总局陕西监管局和中国人民银行批准，西安 银行股份有限公司（以下简称"本公司"）近日在全国银行间债券市 场成功发行"西安银行股份有限公司 2025 年无固定期限资本债券（第 一期）"（以下简称"本期债券"）。 本期债券于 2025 年 6 月 25 日簿记建档，并于 2025 年 6 月 27 日 发行完毕，发行规模为人民币 50 亿元，前 5 年票面利率为 2.40%， 每 5 年调整一次，在第 5 年及之后的每个付息日附发行人有条件赎回 权。 ...

Core Viewpoint - The article highlights the performance and growth of the Zhongzheng Dividend Low Volatility 100 Index and its corresponding ETF, indicating a bullish outlook on bank stocks driven by low interest rates and a long-term market trend [3][4]. Performance Summary - As of June 27, 2025, the Zhongzheng Dividend Low Volatility 100 Index rose by 0.31%, with constituent stocks such as Lanzhou Bank and Guizhou Bank showing significant gains [3]. - The Zhongzheng Dividend Low Volatility 100 ETF (159307) has seen a recent price increase of 0.38%, marking its sixth consecutive rise, with a latest price of 1.05 yuan and a trading volume of 484.03 million yuan [3]. - Over the past year, the ETF's net value increased by 14.89%, ranking first among comparable funds [4]. Fund Growth and Inflows - The ETF experienced a substantial increase in shares, growing by 7.26 million shares over the past year, placing it second among comparable funds [4]. - Despite a recent net outflow of 209.37 million yuan, the ETF has seen net inflows on 8 out of the last 10 trading days, totaling 3.35 million yuan [4]. Risk and Return Metrics - The ETF's maximum drawdown this year was 6.18%, with a recovery period of 36 days, indicating relatively low risk compared to peers [4]. - The ETF's management fee is 0.15% and the custody fee is 0.05%, which are the lowest among comparable funds [5]. Index Composition - The Zhongzheng Dividend Low Volatility 100 Index includes 100 stocks characterized by high liquidity, continuous dividends, high dividend yields, and low volatility [5]. - The top ten weighted stocks in the index account for 19.64% of the total index weight, with notable companies including Jizhong Energy and Daqin Railway [5][6].

Core Viewpoint - The demand for capital replenishment among small and medium-sized banks is increasing, as evidenced by recent approvals for the issuance of perpetual bonds and other capital instruments [1][2][3] Group 1: Recent Developments - Lanzhou Bank has received regulatory approval to issue up to 5 billion RMB in perpetual bonds, with the flexibility to decide on the timing and scale within 24 months [1] - Xi'an Bank has been approved to issue up to 7 billion RMB in perpetual bonds, also with similar issuance flexibility [1] - Other banks, including Zhejiang Chouzhou Commercial Bank and Shanxi Bank, have also received approvals for capital instruments, indicating a broader trend [1] Group 2: Capital Adequacy and Sources - In Q1 of this year, the capital adequacy ratios for city commercial banks, private banks, and rural commercial banks were 12.44%, 11.98%, and 12.96% respectively, compared to 17.79% and 13.71% for state-owned and national joint-stock banks [2] - Capital replenishment for banks can be categorized into internal and external sources, with internal sources primarily being retained earnings and external sources including IPOs, rights issues, and various types of bonds [2] Group 3: Challenges and Opportunities - There are over 4,000 small and medium-sized banks in China, accounting for 99% of the banking system, but they face challenges in capital replenishment compared to larger banks [3] - The recent approvals for perpetual bonds indicate that the channels for capital replenishment for small and medium-sized banks are expanding [3] - The issuance of perpetual bonds by private banks, such as MyBank, is becoming more common, although historically it has been rare due to high regulatory standards and market concerns [4][5] Group 4: Expert Insights - Experts suggest that feasible capital replenishment methods for small and medium-sized banks include shareholder capital injection, issuance of subordinated debt, profit retention, attracting strategic investors, and local government support [5] - The regulatory environment is expected to continue improving, which may lead to a more diversified capital replenishment system for private and small banks [5]