兴业银行股份有限公司 截至 2025 年 6 月 30 日止 6 个月期间 财务报表 (未经审计) (A 股报告) KPMG Huazhen LLP 8th Floor, KPMG Tower Oriental Plaza 1 East Chang An Avenue Beijing 100738 China Telephone +86 (10) 8508 5000 Fax +86 (10) 8518 5111 Internet kpmg.com/cn 毕马威华振会计师事务所 (特殊普通合伙) 中国北京 东长安街 1 号 东方广场毕马威大楼 8 层 邮政编码:100738 电话 +86 (10) 8508 5000 传真 +86 (10) 8518 5111 网址 kpmg.com/cn 审阅报告 毕马威华振专字第 2504506 号 兴业银行股份有限公司全体股东： 我们审阅了后附的兴业银行股份有限公司 (以下简称"兴业银行") 的中期财务报表，包括 2025 年 6 月 30 日的合并及银行资产负债表、自 2025 年 1 月 1 日至 2025 年 6 月 30 日止 6个 月期间的合并及银行利润表、合并 ...

兴业银行8月28日披露半年报，公司上半年实现营业收入1104.58亿元，同比下降2.29%；归属于上市公 司股东的净利润431.41亿元，同比增长0.21%；基本每股收益1.91元。 ...

[Company Profile](index=6&type=section&id=Chapter%201%20Company%20Profile) Industrial Bank has evolved into a modern comprehensive financial services group, emphasizing green finance, investment banking, and wealth management, guided by national strategies and new development initiatives [Company Overview](index=6&type=section&id=1.1%20Company%20Overview) Industrial Bank has evolved from a regional bank into a modern comprehensive financial services group, establishing differentiated competitive advantages in green finance, investment banking, and wealth management - The company has developed into a modern comprehensive financial service system covering trusts, funds, futures, financial leasing, bank wealth management, consumer finance, and asset management[11](index=11&type=chunk) - The company integrates the **"Five Key Initiatives"** (technology, green, inclusive, elderly care, and digital finance) with its **"Three Business Cards"** (green bank, wealth bank, investment bank) and **"Five New Tracks"** (technology, inclusive, energy, auto, and park finance)[12](index=12&type=chunk) [Party Building Leadership](index=6&type=section&id=1.2%20Party%20Building%20Leadership) The company upholds high-quality Party building to guide its development, achieving a new high of 14th place in "The Banker" magazine's "Top 1000 World Banks" ranking - The company adheres to Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, fully implementing the spirit of the 20th National Congress of the Communist Party of China and the Central Financial Work Conference, to lead high-quality development through high-quality Party building[13](index=13&type=chunk) - The company ranked **14th** in "The Banker" magazine's 2025 "Top 1000 World Banks" by Tier 1 capital, reaching a new high[14](index=14&type=chunk) [Core Competencies](index=7&type=section&id=1.3%20Core%20Competencies) The company's core competencies include clear strategic goals, efficient management, distinct operational features, professional systems, and a deep cultural heritage, driving sustainable development - The company adheres to its **"1234" strategy**, emphasizing its **"Three Business Cards"** (green bank, wealth bank, investment bank) and accelerating development in **"Five New Tracks"** (tech innovation, inclusive, energy, auto, and park finance)[16](index=16&type=chunk)[17](index=17&type=chunk) - In 2024, the company proposed enhancing **"Five Core Capabilities"** (strategic execution, customer service, investment trading, comprehensive risk control, and management promotion) to build a value bank characterized by strong profitability, deep customer collaboration, low risk costs, balanced business structure, and distinct operational features[17](index=17&type=chunk) - The company has established **differentiated competitive advantages** in green finance, investment banking, wealth management, asset management, financial markets, and interbank cooperation, and was among the first to elevate sustainable development to corporate strategy and governance levels[11](index=11&type=chunk)[19](index=19&type=chunk) [Basic Company Information](index=9&type=section&id=1.4%20Basic%20Company%20Information) This section provides fundamental details such as Industrial Bank's legal name, legal representative, contact information, registered address, disclosure media, and securities overview - The company's legal Chinese name is Industrial Bank Co., Ltd., and its legal representative is **Lyu Jiajin**[21](index=21&type=chunk)[22](index=22&type=chunk) - The company's A-shares are listed on the Shanghai Stock Exchange, with stock name **Industrial Bank** and code **601166**[23](index=23&type=chunk) [Financial Highlights](index=11&type=section&id=Chapter%202%20Financial%20Highlights) In the first half of 2025, the company experienced a slight decrease in operating revenue but a marginal increase in net profit, with overall asset and loan growth, despite declining profitability indicators [Key Accounting Data and Financial Indicators](index=11&type=section&id=2.1%20Key%20Accounting%20Data%20and%20Financial%20Indicators) In the first half of 2025, operating revenue decreased by 2.29% year-on-year, while net profit attributable to parent company shareholders increased by 0.21%, with mixed performance in other key financial metrics 2025 H1 Key Operating Performance | Item | 2025 H1 (RMB million) | 2024 H1 (RMB million) | Period-on-period change (%) | | :--- | :--- | :--- | :--- | | Operating Revenue | 110,458 | 113,043 | (2.29) | | Net Profit Attributable to Parent Company Shareholders | 43,141 | 43,049 | 0.21 | | Basic Earnings Per Share (RMB yuan) | 1.91 | 1.94 | (1.55) | | Return on Total Assets | 0.41% | 0.42% | Decreased by 0.01 percentage points | | Weighted Average Return on Net Assets | 5.06% | 5.50% | Decreased by 0.44 percentage points | | Net Interest Margin | 1.51% | 1.59% | Decreased by 0.08 percentage points | | Net Interest Spread | 1.75% | 1.86% | Decreased by 0.11 percentage points | 2025 June 30 Key Scale Indicators | Item | 2025 June 30 (RMB million) | 2024 Dec 31 (RMB million) | Period-end vs. prior year-end change (%) | | :--- | :--- | :--- | :--- | | Total Assets | 10,614,376 | 10,507,898 | 1.01 | | Total Loans | 5,903,433 | 5,736,610 | 2.91 | | Total Deposits | 5,869,830 | 5,532,333 | 6.10 | | Equity Attributable to Parent Company Shareholders | 881,747 | 881,908 | (0.02) | [Non-Recurring Gains and Losses Items and Amounts](index=12&type=section&id=2.2%20Non-Recurring%20Gains%20and%20Losses%20Items%20and%20Amounts) In the first half of 2025, the company's non-recurring gains and losses totaled 313 million yuan, primarily from non-current asset disposal, government subsidies, and other non-operating income and expenses 2025 H1 Non-Recurring Gains and Losses | Item | 2025 H1 (RMB million) | | :--- | :--- | | Non-current asset disposal gains and losses | 57 | | Government subsidies recognized in current profit or loss | 374 | | Net other non-operating income and expenses | 15 | | Income tax impact | (133) | | Total | 313 | | Non-recurring gains and losses attributable to parent company shareholders | 301 | | Non-recurring gains and losses attributable to minority shareholders | 12 | [Asset Quality Indicators](index=13&type=section&id=2.3%20Asset%20Quality%20Indicators) As of June 30, 2025, the non-performing loan ratio slightly increased to 1.08%, while the provision coverage ratio and loan loss allowance ratio decreased, maintaining overall stable asset quality 2025 June 30 Asset Quality Indicators | Item | 2025 June 30 (%) | 2024 Dec 31 (%) | Period-end vs. prior year-end change | | :--- | :--- | :--- | :--- | | Non-performing loan ratio | 1.08 | 1.07 | Increased by 0.01 percentage points | | Provision coverage ratio | 228.54 | 237.78 | Decreased by 9.24 percentage points | | Loan loss allowance ratio | 2.46 | 2.55 | Decreased by 0.09 percentage points | [Capital Adequacy Ratios](index=13&type=section&id=2.4%20Capital%20Adequacy%20Ratios) As of June 30, 2025, the group and bank's capital adequacy ratio, Tier 1 capital adequacy ratio, and core Tier 1 capital adequacy ratio slightly decreased but remained above regulatory requirements 2025 June 30 Capital Adequacy Ratios | Key Indicator | 2025 June 30 Group (%) | 2024 Dec 31 Group (%) | 2025 June 30 Bank (%) | 2024 Dec 31 Bank (%) | | :--- | :--- | :--- | :--- | :--- | | Capital Adequacy Ratio | 14.18 | 14.28 | 13.84 | 13.93 | | Tier 1 Capital Adequacy Ratio | 11.30 | 11.23 | 10.86 | 10.79 | | Core Tier 1 Capital Adequacy Ratio | 9.54 | 9.75 | 9.02 | 9.25 | [Supplementary Financial Indicators](index=13&type=section&id=2.5%20Supplementary%20Financial%20Indicators) The company's liquidity ratio remains above the standard, and single largest customer loan and top ten customer loan ratios comply with regulatory requirements, with mixed trends in loan migration rates 2025 June 30 Supplementary Financial Indicators | Key Indicator | Standard Value | 2025 June 30 | 2024 Dec 31 | | :--- | :--- | :--- | :--- | | Liquidity Ratio (total domestic and foreign currency) | ≥25 | 60.33 | 65.70 | | Single Largest Customer Loan Ratio | ≤10 | 1.41 | 1.84 | | Top Ten Customer Loan Ratio | ≤50 | 8.75 | 12.25 | | Normal Loan Migration Rate | - | 1.54 | 1.66 | | Special Mention Loan Migration Rate | - | 30.46 | 40.33 | | Substandard Loan Migration Rate | - | 75.85 | 76.39

公告编号：临2025-048 A股代码：601166 A股简称：兴业银行 可转债代码：113052 可转债简称：兴业转债 兴业银行股份有限公司 关于修订公司章程的公告 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。 兴业银行股份有限公司（以下简称本公司）第十一届董事会第十次会议审 议通过了《关于修订章程的议案》，同意将该议案提交本公司 2025 年第一次临 时股东会审议，并提请股东会审议批准董事会授权管理层根据监管部门的审核 意见或要求对本次章程修订内容进一步做适当且必须的修改。经股东会审议通 过后，章程（修订案）尚需报请国家金融监督管理总局核准后生效。 特此公告。 附件：兴业银行股份有限公司章程修订条款对照 兴业银行股份有限公司董事会 2025 年 8 月 28 日 1 附件 兴业银行股份有限公司章程修订条款对照 | 原条款 | | | 修订后条款（含修订痕迹） | | | --- | --- | --- | --- | --- | | 第一章 | | 总则 | | | | 第一条 为维护兴业银行股份有限公司（以下简称"本行 ...

兴业银行厦门分行始终秉持"金融为民"的服务理念，以实际行动贯彻落实人民银行关于明示企业贷款综 合融资成本的工作部署，组建专项工作小组，依托厅堂阵地、企业走访等场景开展"政策上门"宣传。 2025年7月，通过共同填写"明白纸"，兴业银行厦门分行了解到福建某环保公司面临融资成本较高与资 金周转缺口的双重困境。对此，兴业银行厦门分行主动作为，紧盯痛点深入沟通，主动下调贷款利率 0.5个百分点，为企业年节省利息成本10万余元；针对企业短期资金周转压力，详细解读无还本续贷政 策，帮助企业减少利息外费用约8.1万元，双轨并行助力企业降低综合融资成本。"贷款明白纸"的使用 为银行端与企业端构建起一条沟通与信任的桥梁，助力银企双方互信互利，让企业得以"轻装上阵"，为 经济高质量发展注入金融动能。 作为首批接入全国中小微企业资金流信用信息共享平台的金融机构，兴业银行厦门分行通过完善授信管 理机制及场景创新，将资金流信用信息应用嵌入到授信调查各环节，构建起"平台授权+数据驱动"的融 资服务新模式，精准评估企业经营实力与信用状况，为广大小微企业提供更加高效、精准的金融服务支 持——自平台上线以来，已有近700户客户授权接入，累计促 ...

Core Viewpoint - The upgrade of bank branches is essential for enhancing customer satisfaction and competitiveness, as demonstrated by the launch of the standardized V3.0 manual by Industrial Bank, featuring innovative designs and services tailored to customer needs [1][4]. Group 1: Branch Design and Features - The new branch design includes outdoor resting areas with pet amenities, charging stations for mobile devices, and supportive furniture for elderly customers, creating a more welcoming and humanized environment [1][3]. - The branches feature a smart service area equipped with high-capacity ATMs and self-service counters, facilitating efficient customer transactions [2][3]. - A "shared space" concept allows for flexible furniture arrangements, catering to both individual wealth management and small business meetings, enhancing adaptability and customer engagement [3][4]. Group 2: Customer Engagement and Services - The bank plans to offer courses on mobile banking functionalities and financial literacy, addressing the growing trend of online banking and customer education [2][3]. - The introduction of a "financial consulting studio" aims to provide a private and efficient space for clients to discuss investment strategies, fostering closer interactions between clients and financial advisors [3][4]. - The bank's commitment to community engagement is evident through regular events, such as plant cultivation activities, which attract local residents and enhance the bank's image [2][3]. Group 3: Strategic Goals and Principles - The V3.0 standardization initiative is guided by five core principles: technological empowerment, intelligent efficiency, integrated communication, environmental sustainability, and a bright, welcoming atmosphere [4]. - This initiative represents a systemic shift towards a customer-centric approach, moving from account management to comprehensive customer service, thereby enhancing brand value and operational efficiency [4].

过去三年 9.23% 0.03% 8.73% 0.03% 0.50% 0.00% 注：业绩比较基准=中证 0-4 年期地方政府债指数收益率。 收益率变动的比较 注：1、本基金基金合同于 2020 年 07 月 30 日生效。2、截至建仓期结束，本基金的各项投资比 例已达到基金合同中规定的各项比例。 注：无。 §4 管理人报告 鹏华基金管理有限公司成立于 1998 年 12 月 22 日，业务范围包括基金募集、基金销售、资产 管理及中国证监会许可的其他业务。截至本报告期末，公司股东由国信证券股份有限公司、意大 利欧利盛资本资产管理股份公司（Eurizon Capital SGR S.p.A.）、深圳市北融信投资发展有 第 8页 共 46页 限公司组成，公司性质为中外合资企业，公司注册资本 15,000 万元人民币。截至本报告期末，公 司管理资产总规模达到 12,513 亿元，359 只公募基金、12 只全国社保投资组合、8 只基本养老保 险投资组合。经过 20 余年投资管理基金，在基金投资、风险控制等方面积累了丰富经验。 任本基金的基金经理 （助理）期限 证券从 姓名 职务 说明 业年限 任职日期 离任日期 叶 ...

Fund Overview - The fund is named "Rongtong Shenzhen 100 Exchange-Traded Open-Ended Index Securities Investment Fund" and is managed by Rongtong Fund Management Co., Ltd. [2][4] - The fund aims to closely track the performance of the Shenzhen 100 Index, targeting a daily tracking deviation of no more than 0.2% and an annualized tracking error of no more than 2% under normal market conditions [2][3]. Investment Strategy - The fund employs a fully passive investment strategy, primarily using a full replication method to construct its investment portfolio based on the benchmark weights of the constituent stocks in the index [3][5]. - The fund's investment strategies include stock investment, bond investment, asset-backed securities investment, depositary receipts investment, stock index futures trading, government bond futures trading, stock options investment, and securities lending [3][5]. Performance Metrics - As of the end of the reporting period, the fund's net asset value was 27,125,426.61 RMB, with a total fund share of 26,388,018.00 [4][23]. - The fund's net asset value per share was 1.0279 RMB, with a net value growth rate of 2.79% during the reporting period [16][23]. - The fund's total profit for the period was 6,137,083.88 RMB, with a weighted average net value profit rate of 5.63% [24][25]. Market Context - The Shenzhen 100 Index experienced a decline of 2.58% in the first half of 2025, while the CSI 300 Index rose by 0.03% and the CSI 500 Index increased by 3.31% [15][17]. - The overall market sentiment remained high, with expectations for continued economic improvement supported by moderate monetary policy and proactive fiscal measures [16][17]. Financial Reporting - The financial statements are prepared in accordance with the relevant accounting standards and reflect the fund's financial position as of June 30, 2025 [26][27]. - The fund did not distribute profits during the reporting period, in compliance with legal regulations and the fund contract [20][25].

Market Performance - The banking sector saw a decline of 1.74% on August 27, with Everbright Bank leading the drop [1] - The Shanghai Composite Index closed at 3800.35, down 1.76%, while the Shenzhen Component Index closed at 12295.07, down 1.43% [1] Individual Bank Performance - China Merchants Bank closed at 43.00, down 1.19% with a trading volume of 758,100 shares and a transaction value of 3.281 billion [1] - CITIC Bank closed at 7.91, down 1.37% with a trading volume of 800,800 shares and a transaction value of 635 million [1] - Industrial Bank closed at 22.50, down 1.66% with a trading volume of 688,600 shares and a transaction value of 1.563 billion [1] - Shanghai Pudong Development Bank closed at 13.75, down 2.00% with a trading volume of 769,800 shares and a transaction value of 1.066 billion [1] - Huaxia Bank closed at 7.71, down 2.03% with a trading volume of 595,200 shares and a transaction value of 462 million [1] - Zhejiang Commercial Bank closed at 3.26, down 2.10% with a trading volume of 2,269,000 shares and a transaction value of 747.1 million [1] - Ping An Bank closed at 12.06, down 2.43% with a trading volume of 1,860,000 shares and a transaction value of 2.268 billion [1] - Minsheng Bank closed at 4.61, down 2.54% with a trading volume of 3,790,800 shares and a transaction value of 1.765 billion [1] - Everbright Bank closed at 3.85, down 2.78% with a trading volume of 2,950,600 shares and a transaction value of 1.150 billion [1] Capital Flow Analysis - The banking sector experienced a net outflow of 1.269 billion from main funds, while retail investors saw a net inflow of 821 million [1] - The table indicates varying net inflows and outflows for individual banks, with Shanghai Pudong Development Bank showing a main fund net inflow of 20.815 million [2] - Minsheng Bank had a significant main fund net outflow of 253 million, while retail investors contributed a net inflow of 40.322 million [2]

Core Viewpoint - Private enterprises are crucial for promoting high-quality economic development and advancing Chinese-style modernization, with a supportive atmosphere for their growth enhanced by the implementation of the Private Economy Promotion Law in May 2023 [1] Group 1: Financial Support for Private Enterprises - Xiamen Branch of Industrial Bank has been continuously gathering financial resources and innovating service models to provide ongoing financial support for the high-quality development of private enterprises [1] - A case study highlights how a technology company, facing a funding gap despite growth, received timely assistance from Industrial Bank, which provided a credit line through a specialized loan program tailored for private enterprises [2] Group 2: Strategic Initiatives and Policy Implementation - Since 2019, the Xiamen Branch has established a leadership group for financial services to private enterprises and has launched a series of measures to optimize service mechanisms [3] - The establishment of a dedicated department for the private economy in early 2024 aims to enhance management and improve the quality of financial services for private enterprises [3] - The bank has refined internal rules to encourage grassroots institutions and client managers to actively serve private and small enterprises, enhancing the "willing to lend" mechanism [3] Group 3: Tailored Financial Solutions - The bank adopts a "policy plus financial tools" approach to address the specific needs of small and micro enterprises, effectively solving their pain points through a multi-dimensional strategy [3] - For technology-driven enterprises with limited assets, the bank has implemented a "technology flow" credit evaluation system that assesses potential based on non-financial indicators like intellectual property and R&D investment [3] Group 4: Commitment to Supporting Private Enterprises - Industrial Bank's Xiamen Branch is committed to providing robust financial support for the development of private enterprises, helping them progress steadily on the path of high-quality development and injecting vitality into regional economic growth [4]