以上内容为证券之星据公开信息整理，由AI算法生成（网信算备310104345710301240019号），不构成投资建议。 证券之星消息，8月22日农商行板块较上一交易日下跌1.03%，渝农商行领跌。当日上证指数报收于 3825.76，上涨1.45%。深证成指报收于12166.06，上涨2.07%。农商行板块个股涨跌见下表： 从资金流向上来看，当日农商行板块主力资金净流出3298.64万元，游资资金净流出542.42万元，散户资 金净流入3841.06万元。农商行板块个股资金流向见下表： | 代码 | 名称 | 主力净流入(元) | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入(元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 603323 苏农银行 | | 1802.11万 | 7.63% | -59.33万 | -0.25% | -1742.78万 | -7.38% | | 601528 瑞丰银行 | | 1522.66万 | 12.02% | -952.96万 | -7.52% | -569.70万 | ...

Core Viewpoint - The report from Kaiyuan Securities indicates that the total amount of high-interest fixed deposits maturing in 2025 for listed banks is approximately 39.7 trillion yuan, with a significant portion maturing in the first quarter [1] Group 1: Maturing Deposits - The estimated total of high-interest fixed deposits (2 years and above) maturing in 2025 is 39.7 trillion yuan, with 19.8 trillion yuan for 2-year, 17.4 trillion yuan for 3-year, and 2.5 trillion yuan for 5-year deposits [1] - The maturity schedule shows that 42% of these deposits will mature in Q1, followed by 16% in Q2, 18% in Q3, and 24% in Q4 [1] - An additional 19.6 trillion yuan of high-interest fixed deposits is expected to mature in the first half of 2026 [1] Group 2: Deposit Repricing and Cost Rate - The average cost rate for deposits is projected to decline to 1.61% in 2025 due to the repricing of fixed deposits, with quarterly rates expected to be 1.68%, 1.64%, 1.58%, and 1.53% for Q1, Q2, Q3, and Q4 respectively [5] - The repricing of fixed deposits is expected to improve the deposit cost rates by 11.7 basis points in Q1, 4.2 basis points in Q2, 5.7 basis points in Q3, and 5.1 basis points in Q4 [5] - For 2026, the average deposit cost rate is expected to further decline to 1.52% in the first half of the year [5] Group 3: Interest Rate Changes - The interest rate reduction for 2025 maturing 3-year deposits is estimated to be between 125 to 150 basis points, while 2-year deposits will see a reduction of 60 to 100 basis points [3] - The interest rate reduction for 2026 maturing deposits is projected to be 60 basis points for 2-year, 135 basis points for 3-year, and 145 basis points for 5-year deposits [4] Group 4: Investment Recommendations - Kaiyuan Securities suggests that the effective decrease in bank liability costs will alleviate the interest rate inversion phenomenon for government bonds, with a potential recovery in bond allocation space by Q4 2025 [6] - The report recommends investment in CITIC Bank and highlights beneficiaries such as Agricultural Bank of China, China Merchants Bank, Beijing Bank, Jiangsu Bank, Hangzhou Bank, and Chongqing Rural Commercial Bank [6]

Group 1 - A-shares of bank stocks experienced a widespread decline, with notable drops in Qingdao Bank, Jiangsu Bank, and Xiamen Bank, each falling over 2% [1] - Citic Bank, Qilu Bank, Yucheng Rural Commercial Bank, and Changsha Bank also saw declines close to 2% [1]

资料显示，重庆农村商业银行股份有限公司位于重庆市江北区金沙门路36号,香港铜锣湾希慎道33号利 园1期19楼1920室，成立日期2008年6月27日，上市日期2019年10月29日，公司主营业务涉及重庆农村商 业银行主要从事提供银行服务及相关金融服务业务。该公司通过三个业务部门运营。公司银行业务部从 事向公司类客户、政府机构及金融机构提供金融产品和服务业务。个人银行业务部从事向个人客户提供 金融产品和服务业务。金融市场业务部从事货币市场交易、回购交易以及为其本身或代表客户进行债务 工具投资业务。主营业务收入构成为：零售银行业务41.93%，公司银行业务30.58%，金融市场业务 27.26%，未分配项目0.23%。 8月22日，渝农商行盘中下跌2.13%，截至11:05，报6.43元/股，成交3.16亿元，换手率0.55%，总市值 730.26亿元。 资金流向方面，主力资金净流出2901.11万元，特大单买入3754.46万元，占比11.89%，卖出6590.95万 元，占比20.87%；大单买入6183.42万元，占比19.58%，卖出6248.05万元，占比19.78%。 渝农商行今年以来股价涨11.92 ...

| 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | | --- | --- | --- | --- | --- | --- | --- | | 002958 | 青农商行 | 3.54 | 1.43% | 58.57万 | | 2.06亿 | | 601825 | 沪农商行 | 8.88 | 1.25% | 31.01万 | | 2.74亿 | | 601528 | 瑞丰银行 | 5.74 | 1.23% | 23.58万 | | 1.34亿 | | 002807 | 江阴银行 | 5.03 | 1.00% | 50.16万 | | 2.51亿 | | 600908 | 元锡银行 | 6.23 | 0.81% | 18.42万 | | 1.14亿 | | 603323 | 苏农银行 | 5.51 | 0.73% | 36.21万 | | 2666T | | 601860 | 紫金银行 | 3.00 | 0.67% | 75.88万 | | 2.27亿 | | 002839 | 张家港行 | 4.56 | 0.66% | 38.68万 | | 1.76亿 | | 601128 ...

证券之星消息，8月20日农商行板块较上一交易日上涨0.83%，江阴银行领涨。当日上证指数报收于 3766.21，上涨1.04%。深证成指报收于11926.74，上涨0.89%。农商行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 002807 | 江阴银行 | 4.98 | 1.84% | 72.15万 | 3.59 Z | | 601528 | 瑞丰银行 | 5.67 | 1.43% | 15.64万 | 8807.64万 | | 601077 | 渝农商行 | 6.57 | 1.23% | 89.05万 | 5.85 Z | | 601128 | 常熟银行 | 7.66 | 1.19% | 50.67万 | 3.86亿 | | 002958 | 青农商行 | 3.49 | 1.16% | 51.53万 | 1.80亿 | | 600908 | 无锡银行 | 6.18 | 0.98% | 17.13万 | 1.06亿 | | 603323 | 苏农银行 | 5.47 | ...

Core Viewpoint - The A-share market has seen a broad increase in bank stocks, with notable gains from several banks, including Jiangsu Bank and Postal Savings Bank reaching a historical high [1] Group 1: Stock Performance - Jiangsu Bank increased by 2.61%, with a total market value of 209.2 billion and a year-to-date increase of 21.94% [2] - Hangzhou Bank rose by 2.32%, with a market capitalization of 118.5 billion and a year-to-date increase of 13.76% [2] - Jiangyin Bank saw a 2.04% increase, with a market value of 12.3 billion and a year-to-date increase of 20.15% [2] - Chongqing Rural Commercial Bank increased by 2.00%, with a market capitalization of 75.2 billion and a year-to-date increase of 14.69% [2] - China Bank rose by 1.98%, with a total market value of 1,826.9 billion and a year-to-date increase of 7.50% [2] - Chengdu Bank increased by 1.88%, with a market value of 78.3 billion and a year-to-date increase of 13.12% [2] - Xiamen Bank saw a 1.49% increase, with a market capitalization of 18 billion and a year-to-date increase of 23.97% [2] - Qingnong Commercial Bank increased by 1.45%, with a market value of 19.4 billion and a year-to-date increase of 18.81% [2] - Xi'an Bank rose by 1.30%, with a market capitalization of 17.3 billion and a year-to-date increase of 10.36% [2] - Changsha Bank increased by 1.22%, with a market value of 39.9 billion and a year-to-date increase of 16.42% [2] - Chongqing Bank saw a 1.11% increase, with a market capitalization of 34.7 billion and a year-to-date increase of 12.10% [2] - Changshu Bank increased by 1.06%, with a market value of 25.4 billion and a year-to-date increase of 14.67% [2]

Core Insights - The A-share market saw a broad increase in bank stocks, with notable gains from Jiangsu Bank, Hangzhou Bank, Jiangyin Bank, and Chongqing Rural Commercial Bank, all rising over 2%. Postal Savings Bank reached a historic high [1] Summary by Category Stock Performance - Jiangsu Bank increased by 2.61%, with a total market capitalization of 209.2 billion and a year-to-date increase of 21.94% [2] - Hangzhou Bank rose by 2.32%, with a market cap of 118.5 billion and a year-to-date increase of 13.76% [2] - Jiangyin Bank saw a 2.04% increase, with a market cap of 12.3 billion and a year-to-date increase of 20.15% [2] - Chongqing Rural Commercial Bank grew by 2.00%, with a market cap of 75.2 billion and a year-to-date increase of 14.69% [2] - China Bank increased by 1.98%, with a market cap of 1,826.9 billion and a year-to-date increase of 7.50% [2] - Chengdu Bank rose by 1.88%, with a market cap of 78.3 billion and a year-to-date increase of 13.12% [2] - Other banks such as Xiamen Bank, Qingnong Commercial Bank, and Xi'an Bank also showed positive performance, with increases ranging from 1.30% to 1.49% [2]

Market Overview - The rural commercial bank sector experienced a decline of 0.53% on August 19, with Jiangyin Bank leading the drop [1] - The Shanghai Composite Index closed at 3727.29, down 0.02%, while the Shenzhen Component Index closed at 11821.63, down 0.12% [1] Individual Stock Performance - The closing prices and percentage changes for key rural commercial banks are as follows: - Changshu Bank: 7.57, -0.26% - Qingnong Bank: 3.45, -0.29% - Yunnan Bank: 6.49, -0.31% - Zijin Bank: 2.96, -0.67% - Ruifeng Bank: 5.59, -0.71% - Zhangjiagang Bank: 4.49, -0.88% - Hunan Bank: 8.76, -0.90% - Sunong Bank: 5.42, -1.28% - Wuxi Bank: 6.12, -1.45% - Jiangyin Bank: 4.89, -1.81% [1] Capital Flow Analysis - The rural commercial bank sector saw a net inflow of 2.49 million yuan from institutional investors, while retail investors contributed a net inflow of 11.21 million yuan [1] - However, speculative funds experienced a net outflow of 13.70 million yuan [1] Detailed Capital Flow for Selected Banks - Zhangjiagang Bank: - Institutional net inflow: 24.25 million yuan (12.30%) - Speculative net outflow: -6.79 million yuan (-3.44%) - Retail net outflow: -17.46 million yuan (-8.85%) [2] - Sunong Bank: - Institutional net inflow: 17.97 million yuan (10.78%) - Speculative net outflow: -1.92 million yuan (-1.15%) - Retail net outflow: -16.06 million yuan (-9.63%) [2] - Zijin Bank: - Institutional net inflow: 10.84 million yuan (7.44%) - Speculative net outflow: -4.86 million yuan (-3.34%) - Retail net outflow: -5.97 million yuan (-4.10%) [2] - Jiangyin Bank: - Institutional net outflow: -25.15 million yuan (-5.93%) - Speculative net inflow: 16.48 million yuan (3.89%) - Retail net inflow: 8.67 million yuan (2.04%) [2]

Group 1 - The core viewpoint of the article highlights the performance of the China Securities Index for Hong Kong-listed tradable mainland banks, which opened high and reported a value of 1186.55 points. The index has seen a decline of 6.53% over the past month, an increase of 4.35% over the past three months, and a year-to-date increase of 16.78% [1][2][3] - The index includes three thematic indices: HKT Hong Kong Real Estate, HKT Mainland Consumption, and HKT Mainland Banks, reflecting the overall performance of related securities in the Hong Kong stock market, characterized by high liquidity and ease of short selling [1][2] - The top ten holdings of the index are: China Construction Bank (31.22%), Industrial and Commercial Bank of China (23.92%), Bank of China (17.21%), China Merchants Bank (10.45%), Agricultural Bank of China (7.74%), CITIC Bank (3.55%), Postal Savings Bank of China (2.57%), Minsheng Bank (1.43%), Chongqing Rural Commercial Bank (0.73%), and China Everbright Bank (0.65%) [1][2] Group 2 - The index's sample consists entirely of financial sector companies, with a 100% representation [2] - The index samples are adjusted biannually, with adjustments occurring on the next trading day after the second Friday of June and December each year. Weight factors are generally fixed until the next scheduled adjustment, with special circumstances allowing for temporary adjustments [2]