中国经济网北京5月19日讯 日前，17家A股上市城商行的2025年一季度报告已披露完毕。从归母净 利润表现来看，江苏银行今年首季实现归母净利润97.80亿元夺冠，北京银行、宁波银行分别以76.72亿 元、74.17亿元位列第二、三名。 | 银行名称 | 归母净利润（亿元） | | --- | --- | | 江苏银行 | 97.80 | | 北京银行 | 76.72 | | 宁波银行 | 74.17 | | 上海银行 | 62.92 | | 南京银行 | 61.08 | | 杭州银行 | 60.21 | | 成都银行 | 30.12 | | 长沙银行 | 21.73 | | 重庆银行 | 16.24 | | 苏州银行 | 15.54 | | 贵阳银行 | 14.43 | | 齐鲁银行 | 13.72 | | 青岛银行 | 12.58 | | 郑州银行 | 10.16 | | 西安银行 | 7.12 | | 厦门银行 | 6.45 | | 兰州银行 | 5.59 | 从归母净利润增速来看，2025年第一季度，在17家A股上市的城商行中，有14家实现归母净利润增 长，3家归母净利润有所下滑。其中，杭州银行归母净利 ...

中国经济网北京5月15日讯 北京银行(601169.SH)昨日晚间发布关于收到应诉通知书的公告。2025年 5月13日，北京银行收到江苏省苏州市中级人民法院送达的（2025）苏05民初450号《应诉通知书》，获 悉该行涉及浙江中泰创赢资产管理有限公司以证券虚假陈述责任纠纷对康得新复合材料集团股份有限公 司提起的诉讼。该案曾于2022年在江苏省南京市中级人民法院立案。该案现移送至苏州中院受理，系存 量案件，仅涉及管辖法院变更，诉讼请求等未发生变化。截至公告披露日，本次诉讼尚未开庭审理。 同时，公司因2018年、2019年连续两个会计年度财务会计报告被出具无法表示意见的审计报告，公 司股票自2020年7月10日起暂停上市。公司股票暂停上市后的首个年度报告（2020年年度报告）显示， 公司2020年净利润、扣除非经常性损益后的净利润、归属于上市公司股东的期末净资产均为负值，且公 司财务会计报告被出具保留意见的审计报告。 根据《深圳证券交易所上市公司重大违法强制退市实施办法》的规定、《深圳证券交易所股票上市 规则（2018年11月修订）》第14.4.1条、第14.4.2条的规定以及深圳证券交易所上市委员会的审核意见， ...

Core Viewpoint - The direct banking model in China is experiencing a significant decline, with Beijing Bank announcing the migration of its direct banking services to its mobile banking app by June 25, 2025, effectively phasing out the standalone direct banking app [1][3][5]. Company Summary - Beijing Bank's direct banking service was launched on September 18, 2013, in collaboration with ING Group, marking the beginning of direct banking in China [3][4]. - The direct banking service saw rapid growth in its early years, with customer numbers reaching 246,000 and savings deposits amounting to 630 million yuan by the end of 2015, reflecting a 463.1% increase from the beginning of the year [4]. - By 2019, the last reported figures indicated that the direct banking customer base had grown to 476,000, with 60.7% being external customers, and cumulative sales reaching 11.56 billion yuan [4]. Industry Summary - The trend of shutting down or integrating direct banking services has been observed across the industry, with several banks, including Minsheng Bank and Hankou Bank, announcing similar actions [6][7]. - Industry experts suggest that the decline of direct banking is due to unclear positioning and overlapping functionalities with traditional banking services, leading to a decrease in customer engagement [7]. - As of now, fewer than 20 apps with "direct banking" in their names remain available, primarily from local banks and rural financial institutions [8].

Core Viewpoint - Beijing Bank announced the migration of its direct banking services to its mobile banking app "Jingcai Life" by June 25, 2025, marking a trend of consolidation in the banking sector as direct banks face challenges in maintaining a competitive edge [1][2]. Group 1: Company Actions - Beijing Bank's direct banking app, the first of its kind in China, will cease operations and integrate its services into the mobile banking platform [1]. - The direct banking model, launched in September 2013, initially showed strong growth, with customer numbers reaching 246,000 and savings deposits increasing by 463.1% to 630 million yuan by 2015 [1]. Group 2: Industry Trends - Several banks, including Hankou Bank, Guangfa Bank, and Minsheng Bank, have already shut down or merged their direct banking apps with mobile banking platforms, indicating a broader industry trend [2]. - The lack of a complete service ecosystem and overlapping services with mobile banking have led to the decline of direct banks, as they struggle to justify their existence amid rising operational costs and diminishing internet traffic benefits [2][3]. Group 3: Future Directions - Experts suggest that direct banks should either develop unique services to differentiate themselves or integrate their functions into mobile banking to enhance user experience and operational efficiency [3].

Core Points - The Beijing Jingguan Taifu Fund Management Co., Ltd. has announced the effective contract of the Jingguan Taifu Zhongzai Jingjinji Bond Composite Index Securities Investment Fund [1] - The total net subscription amount during the fundraising period reached approximately 5.999 billion yuan, with interest accrued during the fundraising period amounting to approximately 907,694 yuan [1][4] - The total number of shares raised was approximately 6.000 billion [1][4] Company Information - Fund Name: Jingguan Taifu Zhongzai Jingjinji Bond Composite Index Securities Investment Fund [2] - Fund Abbreviation: Jingguan Taifu Zhongzai Jingjinji Composite [2] - Fund Manager: Beijing Jingguan Taifu Fund Management Co., Ltd. [2] - Fund Custodian: Bank of Beijing Co., Ltd. [2] - Effective Date of Fund Contract: June 17, 2025 [2] Fund Details - The fundraising period was from May 15, 2025, to June 13, 2025 [4] - The total number of valid subscription accounts was 392 [4] - The fund consists of two sub-funds: Jingguan Taifu Zhongzai Jingjinji Composite A and Jingguan Taifu Zhongzai Jingjinji Composite C [2][4]

中国经济网北京7月21日讯 国家金融监督管理总局网站今日公布的永川监管分局行政处罚信息公开 表（永川金管罚决字〔2025〕1号）显示，重庆永川北银村镇银行股份有限公司贷款资金被挪用。永川 金融监管分局对重庆永川北银村镇银行股份有限公司罚款30万元；对陶俊男（时任重庆永川北银村镇银 行股份有限公司副行长）警告。 北京银行(601169.SH)2024年年度报告显示，截至2024年12月31日，重庆永川北银村镇银行注册资 本8,000万元，北京银行持股比例为70%。 以下为原文： | 序 | 当事人名称 | 行政处罚决 | 主要违法违规 | 行政处罚内 | 作出决定 | | --- | --- | --- | --- | --- | --- | | 릉 | | 定书文号 | 行为 | 容 | 机关 | | 1 | 重庆永川北银村镇 银行股份有限公司 陶俊男（时任重庆 | 永川金管罚 洪字 | 贷款资金被挪 | 罚款30万元 | 永川金融 | | | 永川北銀村镇银行 | (2025) 1 | 用 | | 监管分局 | | 2 | | 름 | | 警告 | | | | 股份有限公司副行 | | | | | | | ...

Core Viewpoint - Liaoning Aoke Chemical Co., Ltd. announced its intention to provide a full joint liability credit guarantee for a loan application of 30 million yuan by its associated subsidiary, Shaanxi Lanshi Lithium Battery New Materials Co., Ltd. [1] Company Summary - The company is taking a proactive step to support its subsidiary by facilitating a credit guarantee, which indicates a commitment to the growth and financial stability of Shaanxi Lanshi Lithium Battery New Materials Co., Ltd. [1]

Group 1 - The Hunan Financial Regulatory Bureau has approved the opening of Beijing Bank's Changsha Yanghu Branch [1] - The branch will be located at No. 508, Xiangpu Road, Yuelu District, Changsha City, Hunan Province [1] - The approved business scope for the branch includes activities authorized by banking and insurance regulatory authorities [1]

Market Overview - The Shanghai Composite Index rose by 0.45% on August 6, with 24 out of the 28 sectors experiencing gains. The top-performing sectors were defense and military industry, and machinery equipment, with increases of 3.07% and 1.98% respectively [1] - The banking sector saw a decline of 0.14% [1] Capital Flow Analysis - The main capital outflow from the two markets totaled 9.652 billion yuan, with seven sectors experiencing net inflows. The machinery equipment sector led with a net inflow of 4.367 billion yuan, followed closely by the defense and military industry with a net inflow of 4.283 billion yuan [1] - The pharmaceutical and biological industry had the largest net outflow, totaling 9.049 billion yuan, followed by the telecommunications sector with a net outflow of 2.949 billion yuan [1] Banking Sector Performance - In the banking sector, there were 42 stocks, with 11 rising and 26 falling. The sector experienced a net outflow of 1.067 billion yuan [2] - The top three banks with the highest net outflow were Minsheng Bank, China Construction Bank, and Industrial and Commercial Bank of China, with outflows of 263.15 million yuan, 213.00 million yuan, and 174.41 million yuan respectively [2][3] - The individual stock performance showed that Changshu Bank had the highest net inflow of 41.12 million yuan, followed by Hangzhou Bank and Chongqing Rural Commercial Bank with inflows of 32.14 million yuan and 22.64 million yuan respectively [2][3]

Core Viewpoint - The first quarter report reveals a deep crisis in the scale-driven model during the interest rate down cycle, highlighting a divergence between asset growth and profitability for Beijing Bank [1][6]. Financial Performance - In Q1 2025, Beijing Bank's total assets exceeded 4.5 trillion yuan, growing by 5.9% year-on-year, with total deposits at 2.6 trillion yuan and loans at 2.3 trillion yuan, both maintaining approximately 6% growth [3]. - However, the bank's revenue fell to 17.13 billion yuan, a decrease of 3.2% year-on-year, and net profit attributable to shareholders dropped to 7.67 billion yuan, down 2.4%, marking the first quarterly revenue and profit decline in 12 years [5]. Net Interest Margin - The net interest margin (NIM) for Beijing Bank fell to 1.31% in Q1 2025, a decline of 16 basis points from the previous year, significantly underperforming the industry average of 1.43% [8]. - This low NIM indicates minimal profit margin, as the bank earns only 1.31 yuan for every 100 yuan in deposits after paying interest to depositors [9]. Asset and Liability Pressure - The bank's yield on interest-earning assets dropped by 18 basis points to 3.5% due to continuous LPR adjustments and lower loan rates, while the cost of interest-bearing liabilities decreased to 2.03% [11]. - Despite a 5.9% growth in loan volume, the bank's interest income fell from 12.77 billion yuan to 12.59 billion yuan, indicating that scale expansion did not translate into increased interest income [11][12]. Asset Quality - The non-performing loan (NPL) ratio for Beijing Bank stood at 1.3%, slightly down by 1 basis point from the beginning of the year, which is higher than the average NPL ratio of 1.15% among listed city commercial banks [15]. - The proportion of special mention loans increased from 1.14% in 2020 to 1.79% in 2024, indicating potential risks in asset quality [17]. Capital Adequacy - The bank's provision coverage ratio decreased from 208.8% at the end of 2024 to 198.1%, and the loan loss reserve ratio fell from 2.73% to 2.57%, suggesting a potential reduction in provisions to smooth earnings [18]. - Capital adequacy ratios also declined, with the core Tier 1 capital ratio dropping from 8.95% to 8.64%, indicating increased pressure on risk management [19][21]. Income Structure - Non-interest income decreased by 7.8% year-on-year in Q1 2025, highlighting competitive pressures in retail banking [22]. - Although fee and commission income rose by 24.4% to 1.44 billion yuan, it only accounted for 8.4% of total revenue, insufficient to offset the decline in interest income [22][23].