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]

Group 1 - The company announced a change in the abbreviated securities names for several ETFs, effective January 30, 2026, while maintaining the fund codes and names unchanged [3] - The change in abbreviated securities names will not have any substantial adverse impact on the interests of fund shareholders and does not require a shareholder meeting [3] - Investors can consult details through the company's website or customer service hotline [3][27] Group 2 - The company will hold a shareholder meeting for the Shenwan Hongyuan G60 Strategic Emerging Industries ETF via communication methods to discuss the proposal for the fund's continued operation [5][31] - The voting period for the shareholder meeting will be from February 4, 2026, to March 30, 2026, with specific instructions for submitting votes [6][15] - The meeting's resolution will require approval from more than half of the voting rights held by participating shareholders for it to be effective [24][37] Group 3 - The fund has faced a situation where its net asset value has been below 50 million yuan for 60 consecutive working days, prompting the need for a shareholder meeting to discuss its continued operation [36][39] - The fund management has prepared for the meeting and ensured that all legal and technical aspects are in place for a smooth process [39][40] - The management will cover the costs associated with the shareholder meeting, including legal fees [38]

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 ...

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，股价受宏观经济、行 业情况、市场偏好等多重因素影响。对此，本行始终坚持以经营管理提升股东回报，稳定估值表现。近 期，本行已披露2025年业绩快报，从数据来看，总资产突破11万亿元，已连续两年实现营收、净利润双 增，并保持资产质量稳定，持续筑牢基本面对股价的支撑。从分红来看，本行分红率、分红金额均为股 份行第二，并且股东会已经以99.94%高票通过2025年度中期利润分配预案，将于2月2日披露《2025年 半年度A股权益分派实施公告》。 ...

Core Viewpoint - The performance indicators of the banking industry in 2025 show significant improvement, with operational trends becoming more favorable and asset quality continuously optimizing [3]. Revenue Performance - As of January 29, 2026, among the 10 listed banks that disclosed their 2025 performance reports, 9 banks reported revenue growth, while only one bank (CITIC Bank) experienced a decline [5]. - Among the four major joint-stock banks, three achieved total revenues exceeding 200 billion yuan, with Shanghai Pudong Development Bank leading in growth at 1.88%, followed by Industrial Bank at 0.24%, and China Merchants Bank at 0.01%. CITIC Bank reported a revenue decline of 0.55% [5][6]. Net Profit Growth - All 10 listed banks reported positive growth in net profit attributable to shareholders in 2025, with 9 banks achieving both revenue and profit growth, indicating overall stable performance [8]. - China Merchants Bank led with a net profit of 150.18 billion yuan, a year-on-year increase of 1.21%. Industrial Bank followed with a net profit of 77.47 billion yuan, up 0.34%, while CITIC Bank reported a net profit of 70.62 billion yuan, up 2.98%. Shanghai Pudong Development Bank's net profit grew significantly by 10.52% to 50.02 billion yuan [8][10]. Asset Quality - The non-performing loan (NPL) ratio among the 10 banks showed a general decline, with five banks reducing their NPL ratios compared to the previous year, while three remained stable and two saw slight increases [12]. - The overall NPL ratio for the banks improved, with Shanghai Pudong Development Bank showing the most significant decline of 0.1 percentage points to 1.26%. China Merchants Bank and CITIC Bank both decreased by 0.01 percentage points to 0.94% and 1.15%, respectively [12][15]. - The provision coverage ratio saw a general decline, with eight banks reporting lower ratios compared to the previous year, although the overall provision cushion remains adequate [13]. Future Outlook - The banking sector is expected to benefit from monetary policy easing, which may alleviate margin pressures and support profit growth through liability optimization and business structure adjustments [18]. - Banks are focusing on quality and efficiency in operations, with an emphasis on risk management and customer base strengthening as they navigate ongoing industry challenges [18].