中信、浦发资产规模破十万亿，城商行保持两位数高增 具体来看，中信银行、浦发银行资产规模双双迈入十万亿关口；9家银行实现营收净利双增长，城商行 增速表现亮眼；半数银行不良率下行，拨备出现回调但风险缓冲空间依旧充足。 截至目前，10 家上市银行 2025 年业绩快报首批亮相。整体上，行业规模扩张、盈利表现、风险管控三 大核心维度均呈现稳健向好态势。 2025年，10家银行总资产规模均实现了稳步增长，且部分银行资产规模上了新台阶。其中，招商银行资 产总额首次超过13万亿元，截至2025年12月31日，招商银行资产总规模13.07万亿元，较上年末增加 9184.87亿元，增幅7.56%；负债总额11.79万亿元，较上年末增加8710.63亿元，增幅7.98%。 兴业银行总资产也突破11万亿元，截至年末达11.09万亿元，同比增长5.57%。从核心业务来看，其各项 贷款余额5.95万亿元，同比增长3.70%；各项存款余额5.93万亿元，同比增速达7.18%，存款端增长势头 强劲。 值得关注的是，中信银行、浦发银行的资产规模双双迈进10万亿元大关。 而截至2025年末，中信银行、浦发银行双双迈过十万亿门槛，使该俱乐部成员 ...

Core Viewpoint - The report highlights a decline in the scale of bank wealth management sales in December 2025, with a total of 13.46 trillion yuan, a decrease of 1.05% from November, but an increase of 10% from the beginning of the year. The growth is attributed to a "deposit migration" logic, indicating a shift in customer preferences towards wealth management products [2][6]. Group 1: Bank Performance - Postal Savings Bank showed a remarkable growth rate of 27.2%, leading among the 11 national banks, while China Merchants Bank followed with a 12.2% increase [2][4]. - In absolute terms, China Merchants Bank led with a wealth management sales scale of 4.41 trillion yuan, followed by CITIC Bank and Industrial Bank, each exceeding 1 trillion yuan [2][4]. - The ranking of the 11 banks remained relatively stable, with Postal Savings Bank rising from 7th to 4th place by the end of the year [2][4]. Group 2: Market Dynamics - The overall wealth management sales scale of the 11 banks increased by 1.22 trillion yuan, reflecting a 10% growth from the beginning of the year, with three banks (Postal Savings, China Merchants, and Huaxia) achieving growth rates above 10% [5][6]. - The average yield of wealth management products fell below 2% for the first time, at 1.98%, yet the number of investors increased by 14.37%, indicating a strong demand for stable-return products [8][9]. - The "deposit migration" narrative remains a key driver for the growth of wealth management, as banks focus on deeper market penetration and optimizing customer service [9][10]. Group 3: Future Outlook - Predictions suggest that by the end of 2026, the wealth management scale could reach approximately 38 trillion yuan, with a growth rate of around 12% [11]. - The average risk index is expected to gradually rise, and the proportion of long-term products is anticipated to increase, while T+0 products will decrease [11].

为深入贯彻金融服务实体经济的决策部署，切实降低企业综合成本，2025年，兴业银行西安分行多措并 举推进减费让利工作，全年累计为各类企业减免手续费超2400万元，主动承担信贷业务相关抵押登记 费、评估费等融资费用超600万元，惠及客户16000余户，以切实举措为企业纾困解难，赋能高质量发 展。 2025年7月1日，该行正式启用新版服务收费价目表，进一步推动降费政策落地。此次调整围绕惠企利民 主线，主要呈现三大亮点：一是积极响应行业倡议，延长支付手续费优惠期限；二是强化对小微企业的 服务支持，在免费价目表中明确列示相关免费项目，加强客户权益保护；三是优化部分服务项目的收费 标准与细则，致力于精准降低客户综合金融成本。 针对企业融资过程中的痛点，该行坚持"能担尽担"原则，主动承担抵押登记费、评估费、公证费等多项 融资环节费用，着力打破"隐性成本"壁垒，助力企业轻装前行。 为确保政策红利直达实体，该行构建了线上线下协同的宣传服务体系。线下网点设立宣传专区，并组织 服务团队深入园区、企业等开展专项宣传；线上通过手机银行等渠道广泛推送优惠政策。同时，通过全 员培训确保一线人员精准掌握政策细则，打通金融服务"最后一公里"。 ...

Group 1: Core Insights - The 2025 annual performance reports of 10 listed banks in A-shares show a year-on-year increase in net profit and stable asset growth, with some banks achieving double-digit growth in key sector loan balances [1][2] - The reported banks include four joint-stock banks, five city commercial banks, and one rural commercial bank, all of which have demonstrated revenue and net profit growth [2][3] Group 2: Financial Performance - Among the joint-stock banks, China Merchants Bank leads with a net profit of 150.18 billion yuan, a year-on-year increase of 1.21%, while Shanghai Pudong Development Bank shows a remarkable growth of 10.52% [2][3] - City commercial banks and rural commercial banks also reported revenue and net profit growth, with Ningbo Bank and Nanjing Bank showing significant increases in revenue [2][3] Group 3: Asset Quality and Risk Management - The asset quality of the 10 listed banks remains stable, with non-performing loan ratios ranging from 0.76% to 1.26%, and several banks have seen a decrease in their non-performing loan ratios compared to the previous year [7] - The overall provision coverage ratio has declined for most banks, indicating a strategic release of provisions to support net profit while maintaining a solid risk buffer [7]

登录新浪财经APP 搜索【信披】查看更多考评等级 申万菱信上证50交易型开放式指数发起式证券投资基金、申万菱信上证G60战略新兴产业成份交易型开 放式指数证券投资基金以及申万菱信中证研发创新100交易型开放式指数证券投资基金更新的基金产品 资料概要于2026年1月30日在本公司官方网站（www.swsmu.com）和中国证监会基金电子披露网站 （http://eid.csrc.gov.cn）披露，供投资者查阅。如有疑问可拨打本公司客服电话（400-880-8588）咨 询。 特此公告。 本基金管理人承诺以诚实信用、勤勉尽责的原则管理和运用基金资产，但不保证本基金一定盈利，也不 保证最低收益。请充分了解本基金的风险收益特征，审慎做出投资决定。 申万菱信基金管理有限公司 2026年1月30日 申万菱信基金管理有限公司 关于旗下部分上交所ETF变更扩位 证券简称的公告 经向上海证券交易所申请，申万菱信基金管理有限公司（以下简称"本公司"）旗下部分ETF将自2026年 1月30日起变更扩位证券简称，涉及基金及变更情况如下： ■ 基金代码、基金名称等其他事项保持不变。 本次变更上述基金的扩位证券简称对基金份额持有人利益 ...

消费月将从1月底持续至3月初，其间各地将围绕年俗、演出、展览、冰雪游、避寒游、亲子游等热点， 推出丰富多彩的应季文旅产品和活动，举办约3万场次文旅消费活动，发放超3.6亿元消费券等消费补 贴，推出门票减免、票根联动优惠、跨区域文旅优惠等举措，加大直达居民游客的普惠政策力度，为人 民群众欢度新春提供更多文旅选择。 当天，文化和旅游部产业发展司发布第二批全国旅游演艺精品名录；中华全国总工会发布扩大职工文体 消费政策措施；中国民航局发布春节航文旅惠民措施；中国银联、兴业银行等金融机构发布迎新春文化 和旅游消费金融惠民措施；多个平台企业推出覆盖"吃住行游购娱"全链条的线上线下融合文旅消费优惠 措施。 目前，过文化年、过旅游年已经成为一种新风尚。文化和旅游部产业发展司司长缪沐阳表示，随着春节 的临近，越来越多的人即将踏上旅途，火热的文旅消费需求正在集中释放。 ● 本报记者 杨梓岩 1月29日，文化和旅游部在福建省泉州市正式启动2026年全国春节文化和旅游消费月，组织各地围绕春 节假期开展文旅消费惠民活动，更好满足人民群众"欢欢喜喜过大年"美好生活需要。 ...

Core Viewpoint - The 2025 annual performance reports of A-share listed banks indicate a general increase in net profit and asset scale, with many banks showing significant growth in key sector loans, despite a decline in provision coverage ratios [1][2][3]. Group 1: Net Profit Growth - All 10 disclosed banks reported year-on-year growth in net profit, with notable performances from specific banks: China Merchants Bank led with a net profit of 150.18 billion yuan, up 1.21% year-on-year, while Shanghai Pudong Development Bank showed a remarkable increase of 10.52% [2][3]. - Among the city commercial banks and rural commercial banks, all reported both revenue and net profit growth, with Ningbo Bank and Nanjing Bank achieving significant revenue figures of 71.97 billion yuan and 55.54 billion yuan, respectively [2][3]. Group 2: Asset Scale and Quality - The total assets of the 10 listed banks showed steady growth, with several joint-stock banks reaching new milestones; for instance, China CITIC Bank and Shanghai Pudong Development Bank both surpassed 1 trillion yuan in total assets [4]. - The asset quality remained robust, with non-performing loan (NPL) ratios ranging from 0.76% to 1.26%, and several banks, including Ningbo Bank and Hangzhou Bank, maintaining the lowest NPL ratios at 0.76% [6][7]. Group 3: Loan Growth in Key Sectors - City commercial banks demonstrated strong loan growth, with Ningbo Bank and Xiamen Bank reporting loan growth rates of 17.43% and 18.39%, respectively, surpassing their total asset growth rates [5]. - Specific sectors such as green and technology loans saw significant increases, with Xiamen Bank's green loans growing by 68.55% year-on-year, indicating a focus on strategic lending [5].

证券日报网讯 1月29日，兴业银行（601166）在互动平台回答投资者提问时表示，近年来，为支持实体 经济发展，商业银行净息差持续收窄，影响资产收益率下滑，这是银行业普遍面对的共性问题。对此， 公司持续加强资产负债组合管理，着力稳定净息差降幅。负债端，强化"负债降成本"导向，着力拓展低 成本结算性存款，加强主动负债统筹管理，有效降低负债付息成本。资产端，发挥"商行+投行""区域 +行业"优势，向产业金融逐步进阶，努力保持贷款定价相对优势。通过资产端和负债端同步发力，力 争资产收益率走势跑赢大市。 ...

Core Viewpoint - The performance of A-share listed banks shows resilience despite challenges such as declining interest rates and narrowing interest margins, with all 10 banks reporting positive growth in net profit attributable to shareholders for 2025 [1][4]. Group 1: Financial Performance - As of January 29, 2026, 10 A-share listed banks reported their 2025 performance, with 9 banks achieving both revenue and net profit growth [1]. - Qingdao Bank led with a 21.66% increase in net profit, reaching 5.188 billion yuan, while its revenue grew by 7.97% to 1.457 billion yuan [1]. - Hangzhou Bank and Pudong Development Bank also showed strong net profit growth rates of 12.05% and 10.52%, respectively [2]. Group 2: Asset Growth - All 10 banks reported positive growth in total assets for 2025, with four banks reaching new asset scale milestones [2]. - China Merchants Bank's total assets exceeded 13 trillion yuan, making it the largest among the disclosed banks, while Industrial Bank reached 11 trillion yuan [2]. - City commercial banks demonstrated significant asset growth, with Nanjing Bank and Ningbo Bank increasing their total assets by 16.63% and 16.11%, respectively [2]. Group 3: Asset Quality - The non-performing loan (NPL) ratios of the 10 banks remained low, with several banks reporting stable or slightly declining rates [3]. - Ningbo Bank and Hangzhou Bank had NPL ratios of 0.76%, while Qingdao Bank's NPL ratio decreased to 0.97% [3]. - The provision coverage ratios, although slightly decreased, remained at sufficient levels, with Hangzhou Bank exceeding 500% [3]. Group 4: Strategic Responses - Banks are adapting to industry challenges by optimizing their income structure and focusing on middle business income sources [4]. - City commercial banks and joint-stock banks are actively pursuing new growth engines through specialized business development, particularly in technology and green finance [4]. - Despite positive profit growth, many banks face pressure on return on equity (ROE) due to asset scale expansion [4][5]. Group 5: Market Outlook - Analysts suggest that the banking sector's investment logic has shifted from "valuation recovery" to "dividend returns + profit resilience" [6]. - City commercial banks and rural commercial banks are expected to outperform the industry due to their regional advantages and understanding of local financial needs [5][6].

"九曲黄河万里沙，浪淘风簸自天涯。"在黄河流经的第二曲——甘肃段，水流从兰州穿城而过，形成河 谷盆地。 在这片重要的水源涵养地上，如今已植下大批耐旱、固沙的苗木。它们扎根土壤，在时光的浇灌中，正 悄然孕育出荒漠里的绿洲。2025年5月，兴业银行兰州分行为兰州新区黄河流域生态储备林项目发放绿 色贷款1.45亿元，用金融"活水"灌溉生态保护的希望。 正如黄河、长江是美丽中国的血脉，绿色金融也是滋养绿水青山的活水之源。它从京津冀、长三角、粤 港澳大湾区等地涌流汇聚，融通社会各方力量，共同描绘美丽中国的崭新画卷。 截至2025年6月末，兴业银行绿色金融融资余额达到2.43万亿元，绿色贷款余额达到1.08万亿元，所支持 的绿色项目可实现年节约标准煤1573.19万吨、年减排二氧化碳2745.32万吨、年减排氨氮10.27万吨、年 减排二氧化硫47.09万吨、年减排氮氧化物17.15万吨、年节水量1839.16万吨，实现良好的经济、环境效 益。 拓展综合服务 为绿色低碳发展贡献力量 绿色金融不应仅仅是缠绕于现有资产业务之上的藤蔓，而应成长为根深叶茂的参天大树。自2006年首笔 能效融资产品落地以来，绿色金融已逐步构建起集 ...