Core Insights - The article emphasizes the positive role of small and medium-sized banks in supporting China's long-term economic development, particularly in fostering private enterprises and local economies while advancing financial market reforms [2][16] - It highlights the significant growth in total assets and liabilities of small and medium-sized banks, indicating their expanding market presence and competitiveness [16] Summary by Sections Overview of the Small and Medium-Sized Banking Industry - Small and medium-sized banks are defined as those excluding the six major state-owned banks, encompassing various types such as national joint-stock banks, urban commercial banks, rural commercial banks, and private banks [3][17] - These banks play a crucial role in providing diverse financial services, including cash management, online banking, investment banking, and microfinance [5][19] Industry Policies - The Chinese government has shown strong support for the development of small and medium-sized banks, with policies aimed at enhancing their operational environment and promoting rural revitalization [7][21] - Key policies include the "Opinions on Further Deepening Rural Reform" and measures to support micro-enterprise financing, which guide these banks to leverage their local advantages [21][23] Industry Chain - The upstream of the small and medium-sized banking industry includes IT service providers, payment platforms, and financial market participants, which support banks in digital transformation and service innovation [10][24] - The midstream consists of the banks themselves, which provide essential financial services to meet the diverse needs of consumers and businesses [10][24] - The downstream includes consumers and enterprises that utilize banking services for consumption, investment, and financing, reflecting a growing demand for financial services [11][25] Financial Performance - In 2024, the total assets of small and medium-sized banks reached 192.25 trillion yuan, a year-on-year increase of 6.39%, while total liabilities were 177.36 trillion yuan, up 6.27% [16] - By November 2025, total assets are projected to grow to 201.6 trillion yuan, with liabilities increasing to 186.07 trillion yuan, indicating a continued upward trend in the sector [16]

Core Insights - The article emphasizes the significant role of small and medium-sized banks in supporting China's long-term economic development through flexible market mechanisms and high service efficiency [2] - It highlights the ongoing transformation and competitive pressures faced by these banks, leading to strategies aimed at enhancing market competitiveness and expanding their asset base [2][8] Group 1: Industry Overview - Small and medium-sized banks are defined as all banks excluding the six major state-owned banks, and they include various types such as national joint-stock banks, urban commercial banks, rural commercial banks, and private banks [4] - These banks have become a crucial part of China's financial ecosystem, holding a substantial share of total assets in the banking sector [2] Group 2: Financial Performance - In 2024, the total assets of China's small and medium-sized banks reached 192.25 trillion yuan, marking a year-on-year growth of 6.39%, while total liabilities were 177.36 trillion yuan, up 6.27% [2] - By November 2025, total assets increased to 201.6 trillion yuan, reflecting a growth of 6.49%, with total liabilities at 186.07 trillion yuan, a rise of 6.66% [2] Group 3: Policy Environment - The Chinese government has shown strong support for the development of small and medium-sized banks, with policies aimed at enhancing their role in financing small and micro enterprises and promoting rural revitalization [8] - Key policies include the "Opinions on Further Deepening Rural Reform" and measures to support small and micro enterprise financing, which guide these banks to leverage their local advantages [8][10] Group 4: Industry Chain - The upstream of the small and medium-sized banking industry chain includes IT service providers, payment platforms, and financial market participants, which support banks in innovation and service delivery [11] - The midstream consists of the banks themselves, which provide essential financial services to meet diverse consumer and business needs [11][12] Group 5: Competitive Landscape - As competition intensifies, small and medium-sized banks are adopting strategies such as capital supplementation, attracting strategic investors, and differentiated operations to enhance their market position [2][8] - The focus on small and micro enterprise financing has led to significant achievements in expanding the industry’s total assets [2]

Group 1 - The company will hold its first extraordinary general meeting of 2026 on February 12, 2026, at 9:00 AM at the Beijing Bank headquarters [2][4] - The voting method for the meeting will combine on-site voting and online voting through the Shanghai Stock Exchange's shareholder meeting voting system [4][5] - Shareholders can vote online from 9:15 AM to 3:00 PM on the day of the meeting [2][6] Group 2 - The meeting will review several proposals, including the nomination of Mr. Guan Wenjie as a candidate for director, which has been approved by the board [22][24] - The board has proposed to issue capital supplement instruments with a maximum scale of up to RMB 60 billion, which will be used to enhance the bank's capital [26][27] - The authorization for the board to decide on the specific issuance plan and terms of the capital supplement instruments will be valid for 24 months after the shareholders' approval [27][28]

（记者 王晓波） 免责声明：本文内容与数据仅供参考，不构成投资建议，使用前请核实。据此操作，风险自担。 每日经济新闻 每经AI快讯，北京银行1月27日晚间发布公告称，公司二〇二六年第一次董事会会议于2026年1月27日 在北京召开。会议审议了《关于提名关文杰先生为董事候选人的议案》等文件。 每经头条（nbdtoutiao）——国际金价冲破5000美元！7年涨了280%，什么时候才见顶？专家：关键还 看美元，重点关注国际货币体系、降息和科技革命 ...

北京银行股份有限公司 关于召开2026年第一次临时股东会的通知 证券代码：601169 证券简称：北京银行 公告编号：2026-002 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： 一、召开会议的基本情况 （一）股东会类型和届次 2026年第一次临时股东会 召开的日期时间：2026 年 2 月 12 日 9 点 00 分 召开地点：北京银行总行三层新闻发布厅 （五）网络投票的系统、起止日期和投票时间 网络投票系统：上海证券交易所股东会网络投票系统 网络投票起止时间：自2026 年 2 月 12 日 至2026 年 2 月 12 日 采用上海证券交易所网络投票系统，通过交易系统投票平台的投票时间为股 东会召开当日的交易时间段，即 9:15-9:25，9:30-11:30，13:00-15:00；通过 互联网投票平台的投票时间为股东会召开当日的 9:15-15:00。 （六）融资融券、转融通、约定购回业务账户和沪股通投资者的投票程序 股东会召开日期：2026年2月12日 本次股东会采用的网络投票系统：上海证券交易 ...

北京银行股份有限公司董事会决议公告 证券代码：601169 证券简称：北京银行 公告编号：2026-001 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。 北京银行股份有限公司（以下简称"本行"）董事会二〇二六年第 一次会议于 2026 年 1 月 27 日在北京召开，采用现场表决方式。会议 通知和材料已于 2026 年 1 月 22 日以电子邮件方式发出。本次董事会 应到董事 13 名，实际到会董事 12 名（霍学文董事长委托戴炜董事代 为出席会议并行使表决权）。经全体董事推举，会议由戴炜董事主持。 会议符合《中华人民共和国公司法》等法律法规、部门规章、规 范性文件及《北京银行股份有限公司章程》的规定，会议所形成的决 议合法、有效。 会议通过决议如下： 一、通过《关于提名关文杰先生为董事候选人的议案》。同意提名 关文杰先生为本行董事候选人，任期三年，其任职资格尚需监管机构 核准。同意将该议案提交股东会审议。 本议案已经本行董事会提名委员会审议通过，并同意将该议案提 交董事会审议。 表决结果：13 票赞成，0 票反对，0 票弃 ...

1月27日金融一线消息，北京银行发布公告称，董事会二〇二六年第一次会议通过《关于提名关文杰先 生为董事候选人的议案》。同意提名关文杰为北京银行董事候选人，任期三年，其任职资格尚需监管机 构核准。同意将该议案提交股东会审议。 简历显示，关文杰，文学硕士，高级会计师。现任北京银行党委书记。曾任北京农村商业银行党委书 记、董事长；华夏银行党委副书记、董事、行长；华夏银行党委常委、董事、副行长、首席财务官；华 夏银行会计部总经理、计划财务部总经理、财务负责人、首席财务官、计划财务部总经理兼金融市场部 总经理；华夏银行青岛分行党委书记、行长；华夏银行青岛分行党委委员、副行长；华夏银行青岛分行 计划财务部总经理；华夏银行青岛支行计划财会处副处长（主持工作）、处长；华夏银行青岛支行会计 财务处负责人、副处长；此前，关文杰曾在中国建设银行从事相关工作。 责任编辑：王馨茹 1月27日金融一线消息，北京银行发布公告称，董事会二〇二六年第一次会议通过《关于提名关文杰先 生为董事候选人的议案》。同意提名关文杰为北京银行董事候选人，任期三年，其任职资格尚需监管机 构核准。同意将该议案提交股东会审议。 简历显示，关文杰，文学硕士，高级会 ...

Market Performance - The city commercial bank sector increased by 0.13% compared to the previous trading day, with Qingdao Bank leading the gains [1] - The Shanghai Composite Index closed at 4139.9, up 0.18%, while the Shenzhen Component Index closed at 14329.91, up 0.09% [1] Individual Stock Performance - Qingdao Bank (002948) closed at 4.61, up 2.22% with a trading volume of 820,200 shares and a transaction value of 376 million [1] - Ningbo Bank (002142) closed at 30.55, up 0.86% with a trading volume of 507,200 shares and a transaction value of 1545 million [1] - Hangzhou Bank (600926) closed at 15.69, up 0.71% with a trading volume of 837,900 shares and a transaction value of 1323 million [1] - Qilu Bank (601665) closed at 5.59, up 0.54% with a trading volume of 649,200 shares and a transaction value of 363 million [1] - Chongqing Bank (601963) closed at 10.36, up 0.39% with a trading volume of 91,200 shares and a transaction value of 94.52 million [1] - Shanghai Bank (601229) closed at 9.27, up 0.11% with a trading volume of 635,000 shares and a transaction value of 593 million [1] - Other banks such as Changsha Bank, Xiamen Bank, and Suzhou Bank showed minimal changes in their stock prices [1] Capital Flow - The city commercial bank sector saw a net inflow of 404 million from main funds, while retail investors experienced a net outflow of 4.15 billion [2] - The main funds' net inflow and outflow for individual banks varied, with Ningbo Bank and Jiangsu Bank showing significant inflows [3] - Retail investors showed notable outflows in several banks, indicating a shift in investment sentiment [3]

股票研究 /[Table_Date] 2026.01.23 票 研 究 主动基金环比持平，被动基金增持 [Table_Industry] 商业银行 | [姓名table_Authors] | 电话 | 邮箱 | 登记编号 | | --- | --- | --- | --- | | 马婷婷(分析师) | 021-23185608 | matingting@gtht.com | S0880525100001 | | 陈惠琴(分析师) | 021-38676666 | chenhuiqin@gtht.com | S0880525100003 | 本报告导读： 25Q4 主动基金对银行持仓比例环比持平于 1.9%，被动基金持仓比例环比+1.6pct 至 7.0%，其中宁波银行、兴业银行、中国银行、建设银行等获主动基金增配。 25Q4 基金对银行持仓点评 投资要点： [Table_Summary] 2025 年四季度基金重仓持股情况披露（主动基金包括普通股票型、 偏股混合型、灵活配置型，被动基金包括被动指数型、指数增强型）： [Table_Report] 相关报告 商业银行《国有大行投放力度较大，不良压力或 企稳》20 ...

Investment Rating - The industry investment rating is "Buy" [2] Core Insights - The report provides a comprehensive analysis of 127 regional banks in Jiangsu Province, highlighting their asset and liability structures, profitability, and asset quality [6][18] - Jiangsu's regional banks have shown a significant increase in asset growth, with major city commercial banks growing at 19.4%, surpassing the growth of listed city commercial banks at 14.2% [24][26] - The report indicates that the loan-to-asset ratio for city commercial banks is projected to reach 48.4% in 2024, reflecting a gradual increase in lending activities [30] - Jiangsu's regional banks exhibit better return on assets (ROA) compared to listed banks, with city commercial banks outperforming by 16 basis points and rural commercial banks by 9 basis points [6][42] - The asset quality of Jiangsu's regional banks is superior to that of listed banks, with lower non-performing loan ratios and higher provision coverage ratios [6][42] Summary by Sections 1. Economic Structure of Jiangsu Province - Jiangsu Province is focusing on new industrialization and strategic emerging industries, with significant contributions from cities like Nanjing and Suzhou [13][14] 2. Overview of 127 Regional Banks in Jiangsu - The report categorizes the banks into city commercial banks, rural commercial banks, and others, with a total of 127 banks established between 2006 and 2015 [18][20] 3. Asset/Liability Structure - The asset growth of major city commercial banks is accelerating, while rural commercial banks are experiencing a decline in growth rates [24][26] - The loan-to-asset ratio for city commercial banks is expected to increase to 48.4% by 2024, indicating a shift towards more lending [30] 4. Profitability - Jiangsu's regional banks have a higher ROA compared to listed banks, with city commercial banks showing a 16 basis point advantage [6][42] 5. Asset Quality/Capital Levels - Jiangsu's regional banks maintain a lower non-performing loan ratio compared to listed banks, with city commercial banks having a 30 basis point lower ratio [6][42]