优先股代码：360005、360012、360032 优先股简称：兴业优1、兴业优2、兴业优3 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 2024 年度优先股股息派发实施公告 公告编号：临2025-031 A股代码：601166 A股简称：兴业银行 优先股股东实际派发股息按照持股面值、计息期间及年股息率计算。 一、 通过优先股股息派发方案的股东会届次和日期 兴业银行股份有限公司(以下简称本公司)2024 年度利润分配方案经 2025 年 5 月 29 日召开的 2024 年年度股东会审议通过。 二、2024 年度优先股股息派发方案 1.发放年度：2024 年度 2.发放金额：本公司已发行三期优先股共计 5.60 亿股（兴业优 1、兴业优 2 和兴业优 3），每股面值 100 元，采用每会计年度付息一次的付息方式，以现金形式 ● 兴业优 1（优先股代码：360005）2024 年 1 月 1 日至 12 月 7 日期间年股息 率 5.55%，2024 年 12 月 8 日至 12 月 31 日期间年股息率 4.23%，每股优先股派发股 息人民币 5.4634 元(四舍五入后、含税)； ...

证券代码：601166 证券简称：兴业银行 公告编号：临 2025-032 优先股代码：360005、360012、360032 优先股简称：兴业优1、兴业优2、兴业优3 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 重要内容提示： 每股分配比例 2024年年度A 股权益分派实施公告 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。 A 股每股现金红利1.06元（含税） 相关日期 | 股份类别 | 股权登记日 | 最后交易日 | 除权（息）日 | 现金红利发放日 | | --- | --- | --- | --- | --- | | Ａ股 | 2025/6/19 | － | 2025/6/20 | 2025/6/20 | 差异化分红送转： 否 一、 通过分配方案的股东会届次和日期 本次利润分配方案经公司2025 年 5 月 29 日的2024年年度股东会审议通过。 二、 分配方案 1. 发放年度：2024年年度 2. 分派对象： 截至股权登记日下午上海证券交易所收市后，在中国证券登记结算有限责任 公司上海 ...

Investment Rating - The report maintains an "Overweight" rating for the banking sector, indicating a positive outlook for the industry compared to the overall market performance [2]. Core Insights - The report highlights that credit growth remains subdued, with May's new loans totaling 620 billion, a year-on-year decrease of 330 billion. However, the total credit volume from January to May is stable at 10.7 trillion, compared to 11.1 trillion in the same period last year [2][3]. - The report anticipates that the overall credit increment for 2025 will remain stable, projecting a credit growth rate of approximately 7.1% for the year [2]. - The report notes that the demand for retail credit has not shown signs of improvement since the second quarter, with May's household credit increasing by only 54 billion, a year-on-year decrease of 21.7 billion [2]. - Government bond issuance has exceeded 1 trillion, supporting stable social financing growth, while corporate bonds have also seen an increase due to a low-interest-rate environment [2][3]. - The report emphasizes the importance of focusing on regional banks with stable profit growth expectations and suggests specific banks such as Chongqing Bank, Suzhou Bank, and Chengdu Bank for investment [2]. Summary by Sections Credit Growth Analysis - In May, new credit was 620 billion, down 330 billion year-on-year, with total credit from January to May at 10.7 trillion [2]. - The report attributes the subdued credit growth to weak demand, debt replacement, and structural optimization [2]. Corporate Lending Trends - Corporate short-term loans increased by 110 billion, while medium to long-term loans decreased by 170 billion, primarily due to debt replacement affecting infrastructure investment [2]. - The report indicates that the government bond issuance has been robust, contributing to the overall social financing growth [2]. Retail Lending Insights - Retail credit demand remains weak, with May's household credit showing a net increase of only 54 billion, reflecting a cautious attitude from banks towards consumer loans [2]. - The report notes a decline in short-term household loans, indicating a challenging environment for retail lending [2]. Investment Recommendations - The report recommends focusing on banks with stable growth prospects and suggests specific banks for investment, including Agricultural Bank of China and other regional banks [2].

Investment Rating - The report maintains a "Positive" outlook for the banking industry [6]. Core Viewpoints - Increased external uncertainties and the continuation of loose monetary policy are expected to lead to a long-term downward trend in overall expected returns, making low-volatility dividend strategies effective [3][25]. - The reform of public funds is anticipated to help banks achieve excess returns by shifting asset allocation styles [3]. - The insurance preset interest rate may be lowered again in Q3 2025, which could further enhance the tolerance for dividend yields, supporting absolute returns for banks [3][25]. - The banking sector's fundamentals are expected to improve marginally in Q2 2025 compared to Q1 2025, primarily due to alleviated pressures on non-interest income growth [3][25]. Summary by Sections Social Financing and Loan Growth - In May 2025, social financing grew by 8.7% year-on-year, with a total increment of 2.29 trillion yuan, an increase of 227.1 billion yuan compared to the previous year [9][10]. - Government bonds increased by 236.7 billion yuan year-on-year, significantly contributing to social financing growth [11]. - Corporate direct financing also saw a year-on-year increase of 125.2 billion yuan, mainly driven by a rise in bond financing [11]. - Loan growth showed a slight decline, with a year-on-year increase of 7.1% in May 2025, reflecting weak demand and debt replacement effects [16]. M1 and M2 Growth - M1 increased by 2.3% year-on-year in May 2025, with a notable month-on-month recovery of 0.8 percentage points, while M2 grew by 7.9% year-on-year [19]. - The gap between M1 and M2 growth rates narrowed to 5.6%, indicating improved liquidity conditions [19]. Investment Recommendations - Two main investment lines are suggested: 1. Focus on convertible bonds with rebound potential, specifically Hangzhou Bank (600926, Buy) and Nanjing Bank (601009, Buy) [26]. 2. Left-side positioning in high-dividend stocks, with recommendations for major state-owned banks such as CITIC Bank (601998, Not Rated), Industrial Bank (601166, Not Rated), Jiangsu Bank (600919, Buy), and Agricultural Bank (601288, Not Rated) [26].

Core Viewpoint - The article discusses the increasing popularity of family trusts among wealthy individuals in China, highlighting the shift in private banking services from asset accumulation to providing unique non-financial services and emotional value to retain high-net-worth clients [3][8][10]. Group 1: Private Banking Landscape - Private banking clients in China typically have investable assets exceeding 6 million yuan, with some banks setting higher thresholds, such as 10 million yuan at China Merchants Bank [3][5]. - The number of high-net-worth individuals in China with investable assets over 10 million yuan reached 3.16 million by the end of 2022, with an average investable asset of approximately 31.83 million yuan [5]. - The private banking sector has transitioned from "land grabbing" to "stock competition," focusing on existing clients as the market matures [3][20]. Group 2: Non-Financial Services - Non-financial services have become a core competitive advantage for private banks, with offerings including private jet bookings, Antarctic travel, and exclusive medical consultations [3][6][7]. - High-net-worth clients are increasingly attracted to unique experiences, such as customized concerts and exclusive travel opportunities, which enhance emotional value and client loyalty [4][6][7]. - Banks are investing heavily in providing high-end, scarce services to differentiate themselves in a competitive market [6][7]. Group 3: Family Trusts and Wealth Management - Family trusts and family offices are becoming focal points for private banks, especially for ultra-high-net-worth clients with assets exceeding 20 million yuan [10][11]. - Over 70% of high-net-worth individuals are preparing for wealth transfer, driven by concerns over asset protection and family dynamics [10][11]. - The family trust market in China is growing, with a reported balance of 643.58 billion yuan by the end of 2024 [11]. Group 4: Investment Trends - Wealthy clients are increasingly allocating assets to insurance products and precious metals like gold, especially in response to market volatility [15][19]. - The demand for exclusive investment products from top international asset management firms is rising among private banking clients, with minimum investment thresholds often set at 2 million yuan [14][19]. - Private banks are tailoring investment solutions to meet the specific needs of high-net-worth clients, often collaborating with various financial institutions [14][15]. Group 5: Client Retention and Competition - The private banking sector is experiencing a slowdown in client growth, leading to a focus on retaining existing clients and preventing asset outflows [20]. - The contribution of private banking clients to overall bank assets is significant, with a small percentage of clients holding a large portion of wealth [16][19]. - Banks are recognizing the comprehensive value of private banking clients, who often bring additional business opportunities through their enterprises [19][20].

截至2025年6月13日 10:57，中证A500指数(000510)下跌0.92%。成分股方面涨跌互现，中远海能(600026)领涨8.84%，招商轮船(601872)上涨6.29%，赤峰黄金 (600988)上涨5.80%；新产业(300832)领跌7.99%，奥飞娱乐(002292)下跌6.34%，恩捷股份(002812)下跌6.03%。A500ETF基金(512050)下跌0.85%，最新报价 0.94元。流动性方面，A500ETF基金盘中换手11.09%，成交17.39亿元，市场交投活跃。拉长时间看，截至6月12日，A500ETF基金近1年日均成交36.15亿 元，排名可比基金第一。 | 股票代码 | 股票简称 | 涨跌幅 | 权重 | | --- | --- | --- | --- | | 600519 | 贵州茅台 | -2.26% | 4.28% | | 300750 | 宁德时代 | -1.31% | 2.96% | | 601318 | 中国平安 | -0.84% | 2.46% | | 600036 | 招商银行 | -0.18% | 2.37% | | 000333 | 美的集团 | ...

多措并举强化金融教育 提升群众金融素养 兴业银行东莞分行积极响应监管要求，进行全方位的金融教育活动。2025年"3·15"金融消费者权益保护教 育活动期间，兴业银行东莞分行坚持践行消保工作人民性的要求，全行上下营造"讲消保""学消保"浓厚氛 围，同时积极开展"高管讲消保"活动，确保各项消保工作得以有效落实。 保障消费者权益，营造安全、放心的金融环境，有助于提振消费信心。今年，正值兴业银行东莞分行扎根 莞邑二十周年，为全面贯彻落实中央金融工作会议精神，兴业银行东莞分行始终坚持金融工作的政治性、 人民性，以党建为引领，构建多点发力、协同推进、人人有责、各司其职的工作体系，打造"党建+消 保"深度融合的"大消保"工作格局，以红色动能守护群众"钱袋子"，为助力人民群众美好生活贡献金融力 量。 为推进精准金融教育，兴业银行东莞分行聚焦重点人群开展金融知识普及。立足粤港澳大湾区，该行聚焦 外籍来华人员，普及在华支付便利性，主动将便捷支付知识延伸至外籍来华人员的生活场景中，重点介绍 银行可兑换的外币币种、开户、境内工资收入购汇汇出、外卡取现等金融服务知识，助力外籍来华人员更 好地融入中国金融生活。 打造便民服务 生态贴心服 ...

Core Viewpoint - The shift from horizontal to vertical development in industrial parks emphasizes the integration of industrial chain support and public infrastructure, facilitating high-quality development for banks and technology enterprises [1] Group 1: Company Insights - Aosong Electronics, a sensor manufacturing company, faced significant challenges including high investment costs, long R&D cycles, and a shortage of skilled personnel, particularly during a difficult period in 2015 [2] - Despite these challenges, Aosong Electronics successfully developed key technologies and built a capable team, leading to a turning point in its growth [2] - With the support of Industrial Bank, Aosong Electronics received a mortgage loan of 27.3 million yuan in 2017, marking the beginning of an 8-year partnership that expanded to a credit limit of 60 million yuan [2] Group 2: Financial Innovation - Industrial Bank has developed a technology flow credit evaluation system to support technology-intensive enterprises that lack traditional collateral, thus opening new financing channels for light-asset, heavy-R&D companies [4] - The bank's innovative financial services have resulted in a loan balance of 552.1 billion yuan for technology finance in industrial parks, accounting for 38% of park loans, with 60% of new loans in 2024 being technology finance [4][5] - The bank has served over 127,000 technology enterprises in parks, an increase of 22,800 from the previous year, demonstrating its commitment to fostering innovation ecosystems [4] Group 3: Industry Trends - The trend of industrial parks moving towards vertical development enhances the integration of industrial chains and public infrastructure, which is crucial for banks to connect upstream and downstream industries [1][5] - In Guangzhou High-tech Zone, the "park empowering technology" model has shown significant vitality, with Industrial Bank supporting nearly 800 technology enterprises and achieving a financing balance exceeding 4 billion yuan [5] - The bank utilizes big data analysis to tailor financial solutions for each enterprise, thereby meeting their financing needs while promoting innovation breakthroughs [5]

Group 1 - Societe Generale's subsidiary SG-FORGE plans to issue a publicly traded USD stablecoin, USD CoinVertible (USDCV), with trading expected to start in July [1][2] - SG-FORGE previously launched a euro stablecoin, EUR CoinVertible (EURCV), in 2023, but it has seen limited adoption, with a current circulating value of €41.8 million (approximately $47.62 million) [2][4] - The issuance of USDCV aims to meet the growing demand for regulated USD stablecoins and will support various customer activities, including crypto trading and cross-border payments [4][5] Group 2 - The USD stablecoin will be issued on Ethereum and Solana blockchains, allowing for 24/7 instant conversion between fiat and digital currencies [2][4] - BNY will act as the asset custodian for USDCV, enhancing the operational credibility of the stablecoin [2] - The launch of USDCV positions SG-FORGE to compete with existing stablecoins like USDC and USDT, as well as future bank-issued USD stablecoins [5][10] Group 3 - The global stablecoin market is seeing increased interest from various banks, including Deutsche Bank, Standard Chartered, and major U.S. banks, which are exploring their own stablecoin initiatives [6][8] - Stablecoins are characterized by their pegging to stable assets, making them suitable for various financial functions, including payment methods and value measurement [6] - The competitive landscape for stablecoins is expected to diversify, with banks leveraging their existing infrastructure and customer bases to promote their stablecoin offerings [10]

为提高社会公众的金融素养和风险防范意识，引导消费者理性选择和使用金融产品，近年来，兴业银行 青岛分行聚焦"金融为民"，始终高度重视消保工作，认真落实监管各项要求，逐步构建起行之有效 的"大消保"联动机制，为岛城金融消费者筑起了一道坚实的安全屏障。 普及金融知识 兴业在行动 兴业银行青岛分行始终践行"以客户为中心"的服务理念，深耕岛城市场，持续深化消费者权益保护工 作，重点关注"老年人、青少年、新市民、农村居民"等群体的金融需求，通过多样化的宣教活动，帮助 消费者增强风险防范意识，提升金融素养与自我保护能力。 近日，由青岛市银行业协会主办的2025年青岛市银行业"普及金融知识万里行"活动在青岛奥帆中心成功 举办。兴业银行青岛分行积极参与，与同业机构携手普及金融知识，维护金融安全，为营造健康有序的 金融环境注入兴业力量。 转自：新华财经 胶州支行连续7年与当地敬老院建立常态化服务机制。员工定期开展包粽子、插花等暖心活动，同步融 入金融知识普及，用通俗语言向老年人传授防诈技能。分行负责人表示，金融宣教要注重形式创新，通 过常态化、生活化的互动，真正将知识送达特殊群体心间。 展望未来，兴业银行青岛分行将继续深入践行消 ...