Group 1 - The article discusses the performance of the CSPSADRP index, highlighting the top 20 stocks based on their annual growth and dividend yield [6][7] - Nanshan Aluminum (600219.SH) leads with a daily increase of 4.15% and an annual growth of 40.35%, along with a dividend yield of 8.09% [6] - Other notable performers include Hailong Cold Chain (603187.SH) with a 3.52% daily increase and 48.40% annual growth, and Luri Co. (002083.SZ) with a remarkable 132.32% annual growth despite a lower dividend yield of 1.34% [6] Group 2 - The overall dividend yield for the index is reported at 4.85%, with a price-to-book ratio of 1.32 times [7] - Historical price-to-earnings ratio stands at 11.57 times, while the expected price-to-earnings ratio is 10.67 times, indicating potential valuation insights for investors [7]

来源：中国金融 党的二十届四中全会提出"六个坚持"重大原则，体现了我们党对经济社会发展规律性认识的深化提升。 当前，上海银行也正在研究制定"十五五"规划，将结合自身实际，在实践中切实做到"六个坚持"。 第一，坚持党的全面领导。更加持续地用习近平新时代中国特色社会主义思想来统一思想、统一意志、 统一行动，切实把加强党的领导贯穿到全行架构改革、战略实施、转型攻坚等的全过程、各方面，进一 步增强各级党组织的政治功能和组织功能。 党的二十届四中全会是在新时代新征程上，围绕研究制定"十五五"规划、加快推进中国式现代化而召开 的一次十分重要的会议。全会通过的《中共中央关于制定国民经济和社会发展第十五个五年规划的建 议》（以下简称《建议》），对加快金融强国建设作出了战略部署、提出了明确要求。作为扎根上海、 面向全国的市属金融国有企业，上海银行党委坚持把学习宣传贯彻党的二十届四中全会精神作为一项重 大政治任务，深刻把握"十五五"时期经济社会发展的重大意义、指导思想、重大原则等，特别是加快建 设金融强国的核心要义和实践路径，进一步凝聚发展共识、找准发力方向，更好服务国家和各地"十五 五"发展。 毫不动摇遵循"十五五"时期经济社 ...

以上内容为证券之星据公开信息整理，由AI算法生成（网信算备310104345710301240019号），不构成投资建议。 从资金流向上来看，当日城商行板块主力资金净流入2678.78万元，游资资金净流入1.77亿元，散户资金 净流出2.03亿元。城商行板块个股资金流向见下表： 证券之星消息，12月23日城商行板块较上一交易日上涨0.26%，上海银行领涨。当日上证指数报收于 3919.98，上涨0.07%。深证成指报收于13368.99，上涨0.27%。城商行板块个股涨跌见下表： ...

Core Viewpoint - The article discusses the aggressive deposit acquisition strategies employed by small and medium-sized banks as they approach the end of the year, highlighting both legitimate marketing tactics and the resurgence of questionable practices to meet performance targets [3][4][5]. Group 1: Deposit Acquisition Strategies - As the end of 2025 approaches, banks are entering a "sprint mode" for deposit acquisition, utilizing methods such as raising deposit interest rates, offering gifts, and promoting wealth management products to attract new customers and funds [5][6]. - For instance, Jiangsu Bank has raised the annual interest rate on a three-year fixed deposit product to 1.9%, a 15 basis point increase from the standard rate, while Jilin Bank has increased its three-year fixed deposit rate from 1.75% to 2% [5][6]. - Additionally, banks like Yilian Bank are implementing limited-time offers and gift incentives to draw in customers, with some banks offering gifts for deposits above certain thresholds [6]. Group 2: Market Dynamics and Risks - Industry insiders indicate that the year-end deposit acquisition not only plays a crucial role in banks' strategies but also reflects the challenges faced by small banks in a limited interest rate environment, prompting them to adopt refined operational strategies to attract customers and increase funds [7]. - The phenomenon of "deposit rushing" has re-emerged, where banks attempt to meet performance metrics by rapidly increasing deposits at the end of reporting periods, often facilitated by intermediaries advertising low-cost deposit options [8][9]. - This practice raises concerns about compliance with regulations and the potential risks to depositors' funds, as these operations may violate banking regulations and create market disturbances [11][12]. Group 3: Internal Pressures and Ethical Concerns - The pressure on bank employees to meet performance targets has led to the normalization of purchasing performance indicators through online platforms, with employees spending money to complete deposit and fund purchase tasks to avoid penalties [10]. - Such practices not only expose banks to regulatory risks but also create internal competition issues and could damage the bank's reputation and customer trust [12]. - Experts warn that these practices can lead to long-term negative consequences if not managed properly, emphasizing the need for customers to be aware of the risks associated with participating in such deposit operations [12].

上海银行秉持服务民生的初心，将金融服务深度融入城市商业脉搏。今年以来，积极响应国家大力促消费的政策号召，以连接客户与商户为目 标，聚焦商圈生态这一实体经济的关键领域，贯通零售、餐饮、停车等高频消费场景，构建覆盖全国16+重点城市、近150家热门商圈的庞大信 用卡消费服务网络，为市民打造便捷优享的消费体验，为城市消费复苏注入源源不断的金融活力。 规模布局：覆盖全域贯穿全年 上海银行围绕各分行所在城市积极开展商圈生态建设，每个城市均与当地热门商圈开展营销合作，今年以来累计开展237个轮次商圈活动，覆盖 近150个商圈超2万个品牌。同时上海银行积极把握全年消费热点，深度响应"五五购物节"、"上海之夏"等重大消费节庆，并重点布局春节、三八 妇女节、中秋国庆、双十一等重要消费节点，携手各大商圈开展系列主题营销活动，实现全年重要消费节点日均在线超40个商圈，其中上海、 北京等大城市实现了365天商圈活动日日在线。通过大范围布局合作商圈、高频度持续性开展营销活动，并与城市节庆深度融合，为广大市民提 供实实在在的消费优惠，有效激发消费市场活力。 品质升级：拓展"10大商圈"+ "1个核心商区" 上海银行高度重视合作商圈的质量 ...

Core Viewpoint - Under the low interest rate environment, listed banks are increasingly motivated to redeem existing "high-yield" preferred shares to save on interest costs [1] Group 1: Bank Actions - Changsha Bank announced it will redeem 6 billion yuan of its preferred shares "Changyin You 1" on December 25 and terminate its listing [1] - In December alone, five banks, including Changsha Bank, Beijing Bank, Shanghai Bank, Hangzhou Bank, and Nanjing Bank, have announced the redemption of preferred shares, totaling 45.8 billion yuan [1] - Including previous redemptions by Industrial and Commercial Bank of China, Bank of China, Industrial Bank, and Ningbo Bank, the number of banks redeeming preferred shares since 2025 has increased to nine [1] Group 2: Market Trends - Since 2020, the issuance of new preferred shares by banks has nearly stagnated, indicating a shift in capital management strategies [1] - The accelerated redemption and delisting of existing preferred shares have led to a significant reduction in their outstanding volume [1] - The willingness of commercial banks to redeem preferred shares to optimize their capital structure has been continuously reinforced [1] - Asset management institutions view the scarcity of bank preferred shares as increasingly prominent [1]

公司于2017年12月非公开发行2亿股优先股（以下简称"本次优先股"），发行规模为人民币200亿元，优 先股代码：360029，优先股简称：上银优1。 公司于2025年12月16日发布了《上海银行股份有限公司关于优先股全部赎回及摘牌的公告》。公司已于 2025年12月19日向2025年12月18日在中国证券登记结算有限责任公司上海分公司（以下简称"中登上海 分公司"）登记在册的公司本次优先股股东足额支付本次优先股票面金额及2024年12月19日至2025年12 月18日持有期间的股息，共计人民币208.04亿元，赎回公司全部已发行的本次优先股。 根据中登上海分公司提供的数据，本次优先股已于2025年12月19日注销。公司本次优先股的赎回及摘牌 已完成。 证券代码：601229 证券简称：上海银行 公告编号：临2025-077 可转债代码：113042 可转债简称：上银转债 上海银行股份有限公司 关于优先股全部赎回及摘牌完成的公告 上海银行股份有限公司（以下简称"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。 特此公告。 上海 ...

证券时报记者谢忠翔 低利率环境下，上市银行赎回存量"高息"优先股以节省付息成本的动力愈发增强。近日，长沙银行公告 称，将于12月25日赎回60亿元优先股"长银优1"，并终止挂牌。 证券时报记者注意到，12月以来，包括长沙银行在内，已有北京银行、上海银行、杭州银行和南京银行 等5家银行先后宣布对旗下优先股进行赎回，合计规模达458亿元。若加上此前的工商银行、中国银行、 兴业银行和宁波银行，2025年以来赎回优先股的银行数量已增加至9家。 多位研究人士表示，优先股作为银行资本工具，自2020年以后银行对其新发已几乎停滞。同时，伴随着 存量银行优先股的加速赎回并退市，存量规模愈发减少。近年来，商业银行为优化资本结构，赎回优先 股的意愿更是不断强化。在资管机构看来，银行优先股的配置稀缺性也进一步凸显。 9家银行年内赎回超1000亿 12月19日，长沙银行公告显示，该行于2019年12月非公开发行的60亿元优先股"长银优1"，将于2025年 12月25日派发优先股息后全部赎回，并终止挂牌。 据证券时报记者统计，今年以来已有2家国有大行、1家股份行和6家城商行对优先股进行赎回，包括境 内优先股7期共1118亿元、2期境外 ...

Core Insights - The core theme of the 22nd China International Financial Forum is the construction of an intelligent financial ecosystem in the digital economy era [1][4] Group 1: Digital Transformation and Competitive Advantage - The rapid development of large model technology and changing user demands necessitate a continuous dynamic iteration process for banks in their digital transformation and operations [3][6] - Digital transformation is viewed not merely as a technological upgrade but as a potential reshaping of business competitiveness [3][6] - Future agent capabilities may become a competitive moat for banks, focusing on customer insight, task planning, and API atomization to transition from single-point intelligence to ecological or composite intelligence [3][6] Group 2: Organizational and Structural Changes - There will be a migration in organizational capabilities, shifting from a focus on functional development and maintenance to building capabilities centered around scenario construction and ecosystem integration [3][6] - The structure of technology investment will change, with traditional development and operations currently at 70% and intelligent investment at 30%, expected to shift to 70% for intelligent investment in the future [3][6] Group 3: Organizational Mechanism and Support - The organization mechanism needs to be restructured, with Shanghai Bank recently adjusting its structure to focus on digital transformation and customer experience [7] - Three roles are proposed for the business application layer: AI product manager, knowledge operation and management, and content ecosystem expansion, transforming previously optional functions into essential ones [7] - A dedicated security compliance team will be established to ensure comprehensive support for AI applications, addressing organizational mechanisms, capabilities, and management [7] Group 4: AI Integration and Future Considerations - The new wave of AI-driven digital transformation builds on previous digital initiatives, with banks that excelled in data governance and asset management gaining further advantages in the AI era [4][7] - The discussion around AI's potential threat to humans has shifted to the reality of coexistence between machines and humans across industries, including banking [8]

证券代码：601229 证券简称：上海银行 公告编号：临 2025-077 可转债代码：113042 可转债简称：上银转债 关于优先股全部赎回及摘牌完成的公告 上海银行股份有限公司董事会 上海银行股份有限公司（以下简称"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。 2025年12月23日 公司于 2017 年 12 月非公开发行 2 亿股优先股（以下简称"本次优先股"）， 发行规模为人民币 200 亿元，优先股代码：360029，优先股简称：上银优 1。 1 公司于 2025 年 12 月 16 日发布了《上海银行股份有限公司关于优先股全部 赎回及摘牌的公告》。公司已于 2025 年 12 月 19 日向 2025 年 12 月 18 日在中国 证券登记结算有限责任公司上海分公司（以下简称"中登上海分公司"）登记在 册的公司本次优先股股东足额支付本次优先股票面金额及 2024 年 12 月 19 日至 2025 年 12 月 18 日持有期间的股息，共计人民币 208.04 亿元，赎回公司全部 已发行的本次优先股。 根据 ...