公告编号：临2026-005 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 2025 年度业绩快报公告 二、经营业绩和财务状况说明 2025 年，公司深入学习贯彻党的二十大和二十届四中全会精神，坚定走好中国特 色金融发展之路，主动化国之大者为行之要务，着力以改革创新促转型发展、以务实 举措履行社会责任，整体经营呈现"稳中有进、结构优化、韧性增强"态势，各项经 营成果符合预期。 经营效益保持稳定，盈利能力持续夯实。公司坚持以服务实体经济为主线，积极 融入和服务新发展格局，在培育新质生产力、服务中国式现代化中推进自身高质量发 展。深挖实体经济融资需求，生息资产规模合理扩张，负债成本有效压降，利息收入 保持稳定；立足客户金融服务需求，提升综合服务能力，挖掘非息收入增长潜能，经 营效益指标保持稳健向好态势。报告期内，公司实现营业收入 2,127.41 亿元，同比 增长 0.24%；利润总额 899.73 亿元，同比增长 3.27%；归属于母公司股东的净利润 774.69 亿元，同比增长 0.34%。 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 ...

| 普通股股本 | 21, 163 | 20. 774 | 1. 87 | | --- | --- | --- | --- | | 归属于母公司普通股股东的 每股净资产(元) | 38. 85 | 36. 88 | 5. 34 | | 不良贷款率(%) | 1.08 | 1. 07 | 上升 0.01 个 | | | | | 自分点 | | 拨备覆盖率(%) | 228. 41 | 237.78 | 下降 9.37 个 | | | | | 自分点 | 1月21日金融一线消息，兴业银行发布业绩快报，2025年营业收入2127.41亿元，同比增长0.24%。净利 润774.69亿元，同比增长0.34%。 | | | | 单位:人民币百万元 | | --- | --- | --- | --- | | 项目 | 2025 年 | 2024 年 | 增减变动幅度 | | | (未经审计) | (经审计) | (%) | | 营业收入 | 212, 741 | 212. 226 | 0. 24 | | 营业利润 | 89.948 | 87. 197 | 3.15 | | 利润息额 | 89.973 | 87. 120 | ...

Core Viewpoint - The strategic cooperation between Industrial Bank Shenzhen Branch and Shenzhen Happiness Health Group marks a new phase in their collaboration in the "finance + health care and childcare" sector, aiming to enhance the quality of elderly care and childcare industries in Shenzhen [1][4]. Group 1: Strategic Cooperation Details - The cooperation will focus on account settlement, comprehensive financing, brand building, co-branded card issuance, and financial research [3][6]. - Industrial Bank Shenzhen Branch aims to support Shenzhen Happiness Health Group in solidifying its industrial foundation and expanding its business footprint [3][6]. Group 2: Co-branded Card Launch - The "Shen Ye Happiness An Yu Card" was launched, designed around a one-stop elderly financial service system, promoting a vision of "intergenerational integration and happiness inheritance" [3][6]. - This co-branded card integrates VIP service benefits from Industrial Bank and various service discounts from Shenzhen Happiness Health Group, serving as a vital link between finance and public welfare [3][6]. Group 3: Future Outlook - Following the signing and launch ceremony, attendees visited the Shen Ye Yi Ju Ping Shan Health Care Center to assess the operational status and smart health care service facilities [4][6]. - Industrial Bank Shenzhen Branch plans to leverage this cooperation as a new starting point to enhance financial services and contribute to building a benchmark for public welfare in Shenzhen [4][6].

证券之星消息，1月21日股份制银行板块较上一交易日下跌1.78%，中信银行领跌。当日上证指数报收于 4116.94，上涨0.08%。深证成指报收于14255.12，上涨0.7%。股份制银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) | | --- | --- | --- | --- | --- | --- | | 000001 | 平安银行 | 11.07 | -0.81% | 90.01万 | 10.01亿 | | 601818 | 光大银行 | 3.36 | -0.88% | 255.85万 | 8.64亿 | | 600015 | 华夏银行 | 6.50 | -0.91% | 57.34万 | 3.74亿 | | 600016 | 民生银行 | 3.76 | -1.05% | 276.70万 | 10.45 Z | | 600036 | 招商银行 | 38.24 | -1.27% | 121.50万 | 46.84亿 | | 601916 | 浙商银行 | 2.96 | -1.33% | 141.40万 | 4.21亿 | | 601166 | ...

2026年1月20日，兴业银行（601166）上海大零号湾支行开业仪式隆重举行。该支行的设立是兴业银行 上海分行服务科技创新、融入区域发展的重要举措，旨在为上海大零号湾科技创新策源功能区注入金融 活力。上海市闵行区财政局副局长谢怡雯、上海大零号湾投资发展（集团）有限公司董事长任巍、兴业 银行上海分行行长柯楷等嘉宾出席仪式。 兴业银行上海分行行长柯楷表示，分行将继续以科技金融作为重点赛道，构建覆盖企业全周期的综合服 务体系。大零号湾支行将依托总行"商行+投行"优势，把"芝麻开花·科创小巨人"培育计划与区域产业特 色深度结合，通过"技术流"专属评价体系，为专精特新企业提供精准支持，助力区域新质生产力加速成 长。 作为科技企业代表，万国数据控股有限公司资金管理部负责人马勇强表示，兴业银行上海分行始终是我 们发展路上的'同行者'。大零号湾支行的开业让金融服务更贴近企业，期待未来在技术研发、市场拓展 等方面获得更精准的支持，与兴业银行上海分行一起扎根湾区、共谋发展。 潮起湾区，风正帆扬。兴业银行上海大零号湾支行将以科创金融为引擎，以人文服务为底色，持续赋能 区域科技创新与产业升级，为构建世界级科创策源地贡献兴业力量。 ...

格隆汇1月21日｜A股市场银行股普跌，其中，农业银行、中信银行跌超3%，浦发银行、工商银行、兴 业银行、邮储银行、交通银行、中国银行跌超2%。 ...

Group 1 - The Ministry of Finance and other departments have released five policy documents aimed at optimizing financial support for personal consumption loans, equipment updates, private investment guarantees, service industry loans, and small and micro enterprise loans [1][9][29] - The personal consumption loan subsidy policy has been extended until December 31, 2026, with adjustments to the subsidy standards and an expanded range of supported financial institutions [4][5][6] - The equipment update loan subsidy policy includes a 1.5% subsidy on fixed asset loans for equipment updates, applicable for up to two years, and has been expanded to include various sectors such as construction, aviation, and digital technology [10][11][12] Group 2 - The private investment guarantee plan has a total quota of 500 billion yuan, to be implemented over two years, focusing on supporting small and micro enterprises in various sectors including technology upgrades and service industry enhancements [17][18] - The plan includes a risk-sharing mechanism where banks will bear at least 20% of the loan risk, while the government guarantee fund will cover up to 80% [19] - The government will also reduce guarantee fees and increase the compensation limit for the guarantee fund to enhance support for private investments [20] Group 3 - The service industry loan subsidy policy has been extended to December 31, 2026, with an increased subsidy cap of 10 million yuan per loan and a 1% annual subsidy rate [23][24] - The policy now includes additional sectors such as digital, green, and retail industries, expanding the scope of financial support [24][25] - The implementation of these policies will involve streamlined processes for fund allocation and enhanced collaboration among financial institutions and regulatory bodies [26][28]

Group 1 - The core viewpoint of the article is that Industrial Bank plans to achieve a green loan balance exceeding 1.1 trillion yuan by the end of December 2025, with over 450 billion yuan allocated to green loans for enterprises within industrial parks [1] Group 2 - As of the end of December 2025, the total green loan balance of Industrial Bank is projected to surpass 1.1 trillion yuan [1] - The bank aims to provide more than 450 billion yuan in green loans specifically for enterprises located in industrial parks [1]

Core Insights - In 2025, A-share listed banks in China experienced a significant shift in development logic, moving from scale competition to value creation, focusing on core business and providing precise financial services to support high-quality economic development [1][2] Group 1: Market Performance - The A-share banking sector showed notable structural differentiation in 2025, with the Shanghai Composite Index and Shenzhen Component Index rising by 18.41% and 29.87% respectively, while the banking sector index increased by 12.04% [1] - By the end of 2025, the total market capitalization of A-share banks reached 14.65 trillion yuan, with 35 out of 42 listed banks seeing their stock prices rise, and 19 banks experiencing gains exceeding 10% [1] - In contrast to the broad market rally in 2024, where the banking sector index rose by 43.56%, 2025 marked a transition to a more selective investment environment [1] Group 2: Performance of Major Banks - Agricultural Bank of China led the sector with a stock price increase of 52.66% in 2025, while other major banks like Industrial Bank, China Construction Bank, and Bank of China saw increases of 21.54%, 12.87%, and 10.75% respectively [4] - The total market capitalization of the four major state-owned banks remains dominant, with Industrial Bank at 2.63 trillion yuan and Agricultural Bank at 2.61 trillion yuan [4] - The performance of other major banks was hindered by large capital increases, as several banks announced plans to raise a total of 520 billion yuan through stock issuance [4][5] Group 3: Performance of Joint-Stock Banks - Joint-stock banks exhibited further performance differentiation in 2025, with Shanghai Pudong Development Bank leading with a 24.56% increase, while banks like Huaxia Bank, Everbright Bank, and Minsheng Bank saw declines of 9.82%, 5.59%, and 3.09% respectively [6][7] - The decline in stock prices for these banks can be attributed to poor operating performance, with Huaxia Bank and Everbright Bank reporting revenue and profit declines [8] - Regulatory penalties also impacted these banks, with Huaxia Bank facing over 120 million yuan in fines, indicating ongoing compliance pressures [10][12] Group 4: Regional and Cooperative Banks - City and rural commercial banks showed mixed performance, with Xiamen Bank rising by 35.78%, while others like Zhengzhou Bank and Beijing Bank experienced declines [11] - Regulatory penalties for city commercial banks were significant, with Shanghai Bank and Beijing Bank facing fines exceeding 3.8 million yuan and 3.6 million yuan respectively [12] Group 5: Investment Outlook for 2026 - The investment logic for bank stocks is expected to evolve towards value reassessment, with a focus on performance growth and compliance levels becoming critical for individual stock performance [19] - The banking sector is anticipated to transition from a "growth weak cycle" to a "reform deep water zone," suggesting a dual strategy of holding stable, high-dividend large banks while selectively investing in high-potential regional banks [18][19] - The average price-to-book ratio for the banking sector was approximately 0.73, indicating a structural recovery, with Agricultural Bank exceeding 1.0, while others remained below this threshold [13]

(一) 股东会召开时间：2026年1月20日 (二) 股东会召开地点：福州市台江区江滨中大道398号兴业银行大厦会议室 (三) 出席会议的普通股股东及其持有股份情况 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： ● 本次会议是否有否决议案：无 一、会议召开和出席情况 ■ (四) 表决方式是否符合《公司法》及《公司章程》的规定，会议主持情况等。 本次股东会由公司董事会召集，董事长吕家进先生主持。会议采用现场与网络投票相结合的方式，对议 案进行逐项投票表决，表决方式符合《公司法》和《公司章程》的有关规定。 (五) 公司董事和董事会秘书的出席情况 1、公司在任董事14人，出席7人，其中独立董事出席2人，履行相应职责； 2、董事会秘书夏维淳出席会议；公司部分高级管理人员出席会议。 二、议案审议情况 (一)非累积投票议案 1、议案名称：2025年度中期利润分配预案 审议结果：通过 表决情况： ■ (二)现金分红分段表决情况 ■ 审议结果：通过 表决情况： ■ 2、议案名称：关于给予中国烟草总公司系列关联方关联交易额度的 ...