（文章来源：证券日报） 证券日报网讯 8月11日晚间，上海银行发布公告称，公司于2025年5月16日召开2024年度股东大会，选 举顾建忠先生为公司第六届董事会执行董事；同日，公司董事会2025年第五次会议选举顾建忠先生为公 司第六届董事会董事长。国家金融监督管理总局上海监管局已于近日核准顾建忠先生的董事、董事长任 职资格。根据《上海银行股份有限公司章程》规定，董事长为公司法定代表人。2025年8月8日，公司已 完成法定代表人的工商登记变更手续，现公司法定代表人为顾建忠先生。除上述事项外，公司《营业执 照》的其他登记事项不变。 ...

根据《上海银行股份有限公司章程》规定，董事长为公司法定代表人。2025 年8月8日，公司已完成法定代表人的工商登记变更手续，现公司法定代表人为顾 建忠先生。除上述事项外，公司《营业执照》的其他登记事项不变。 特此公告。 上海银行股份有限公司董事会 证券代码：601229 证券简称：上海银行 公告编号：临2025-043 优先股代码：360029 优先股简称：上银优1 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 关于法定代表人变更的公告 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。 公司于2025年5月16日召开2024年度股东大会，选举顾建忠先生为公司第六 届董事会执行董事；同日，公司董事会2025年第五次会议选举顾建忠先生为公司 第六届董事会董事长。国家金融监督管理总局上海监管局已于近日核准顾建忠先 生的董事、董事长任职资格。详见公司分别于2025年5月17日、2025年8月6日在 上海证券交易所披露的相关公告。 2025 年 8 月 12 日 1 ...

Core Viewpoint - Shanghai Bank is facing significant challenges due to frequent regulatory penalties and declining operational performance, raising concerns about its management and compliance practices [1][4]. Regulatory Penalties - On August 1, 2023, the People's Bank of China imposed a fine of 29.21 million yuan on Shanghai Bank for multiple violations, followed by an additional fine of 3.8 million yuan on August 4, 2023, from the Zhejiang regulatory bureau [1]. - Over the past three years, Shanghai Bank has accumulated fines exceeding 140 million yuan, indicating ongoing compliance issues [1]. - The bank claims that the violations occurred between 2020 and 2021 and have since been rectified [1]. Operational Performance - Shanghai Bank's revenue peaked in 2021 but has since experienced two consecutive declines, with a 4.79% year-on-year growth in 2024 still 5.77% lower than 2021 levels [1]. - The bank's net interest income has decreased from 38 billion yuan in 2022 to 32.5 billion yuan in 2024, while non-interest income has increased significantly from 8.6 billion yuan to 16.5 billion yuan during the same period [1]. - The bank's net interest margin is low, ranking second to last among 42 listed companies in A-shares, indicating insufficient profitability in its core business [1]. Competitive Position - Shanghai Bank has lost its status as the leading city commercial bank in the Yangtze River Delta, with total assets surpassed by Jiangsu Bank and Ningbo Bank [1][3]. - The bank's asset quality and risk coverage capabilities are inferior to its competitors, with a rising non-performing asset ratio since 2021 [1][3]. - The return on equity has declined from 12.09% in 2020 to 10.01% in 2024, lagging behind Jiangsu and Ningbo banks by 3.58 percentage points [1][3]. Strategic Considerations - The bank needs to reflect on its strategic positioning and execution, especially in light of the regulatory scrutiny it faces [4]. - Despite challenges, Shanghai Bank has potential advantages, including regional market depth and advancements in financial technology and digital applications [2].

Core Viewpoint - The banking industry is facing intensified anti-money laundering (AML) regulations, with multiple banks receiving significant fines for compliance violations, highlighting the urgent need for improved internal controls and compliance measures [1][3][4]. Group 1: Regulatory Environment - In August alone, eight banks, including Shanghai Bank and several rural commercial banks, were fined over one million yuan for AML violations [1][3]. - The People's Bank of China disclosed that Shanghai Bank was fined a total of 29.22 million yuan for multiple violations, including failure to identify customer identities and report large or suspicious transactions [3][4]. - The regulatory landscape is evolving towards "refined governance," with new measures being introduced to strengthen AML compliance [7][8]. Group 2: Internal Control Shortcomings - Analysts indicate that the fines reflect significant shortcomings in banks' internal control systems, particularly in their AML frameworks [5][6]. - Key issues identified include outdated AML systems and insufficient integration of these systems with actual business operations, leading to inaccuracies in reporting and customer assessments [5][6]. - The dual penalty system, which holds both institutions and individual executives accountable, aims to enhance compliance focus within banks [6]. Group 3: Future Regulatory Trends - The AML regulatory framework is expected to become more comprehensive, with expanded coverage and more detailed operational requirements [8]. - The introduction of the revised AML law in January 2025 and the recent draft regulations emphasize the necessity for financial institutions to conduct thorough customer due diligence [7][8]. - Analysts predict that the trend of stringent AML oversight will persist, driven by both domestic and international pressures [8]. Group 4: Recommendations for Banks - Banks are advised to leverage technologies such as big data and artificial intelligence to enhance risk identification and improve compliance efficiency [8]. - Streamlining processes for low-risk transactions and enhancing employee training in AML practices are also recommended to improve overall compliance [8]. - A shift from a reactive to a proactive approach in AML compliance is essential, with a focus on integrating compliance into core business strategies [8].

Core Viewpoint - The banking industry is facing intensified anti-money laundering (AML) regulations, with multiple banks receiving significant fines for compliance violations, highlighting the urgent need for improved internal controls and compliance measures [1][2][3]. Group 1: Regulatory Environment - In August alone, eight banks, including Shanghai Bank and several rural commercial banks, were fined over one million yuan for AML violations [2][3]. - The People's Bank of China disclosed that Shanghai Bank faced a total penalty of 29.22 million yuan for multiple violations, including failure to perform customer identity verification and report large or suspicious transactions [2][3]. - The regulatory landscape is shifting towards "refined governance," with new AML laws set to take effect in January 2025, and a draft management method for customer due diligence has been released for public consultation [5][6]. Group 2: Internal Control Shortcomings - The frequency of fines indicates significant internal control weaknesses within banks, particularly in their AML systems [4]. - Key issues identified include outdated AML systems and insufficient integration of these systems with actual business operations, leading to inaccuracies in reporting and customer assessments [4]. - The dual penalty system, which holds both institutions and individual executives accountable, aims to enhance compliance focus among decision-makers [4][7]. Group 3: Future Trends and Recommendations - The AML regulatory framework is expanding in scope, with more detailed requirements and increased penalties for non-compliance [6][7]. - Banks are encouraged to leverage big data and artificial intelligence to better analyze customer behavior and transaction data for risk identification [7]. - A shift from a reactive to a proactive approach in AML compliance is necessary, emphasizing the importance of integrating compliance into core business practices and employee evaluations [7].

Meeting Overview - The shareholders' meeting was held on August 8, 2025, at the China Financial Information Center in Shanghai [1] - The meeting was chaired by the company's chairman, Gu Jianzhong, and utilized a combination of on-site and online voting [1] Attendance - Out of 17 current directors, 6 attended the meeting, including the chairman and vice-chairman [2] - All 4 current supervisors attended the meeting [2] - The company secretary and some senior management personnel were also present [2] Resolutions Passed - The proposal to abolish the supervisory board and amend the company's articles of association was approved [3] - The amendment of the company's shareholders' meeting rules was also approved [4] - The adjustment of the shareholders' meeting's authorization for the board of directors regarding financial bond issuance was approved [4] - All proposals were special resolutions and received more than two-thirds approval from the voting shares present at the meeting [4] Legal Verification - The meeting was witnessed by lawyers from Beijing Jindu Law Firm, Shanghai Branch, who confirmed that the meeting complied with relevant laws and regulations [4]

Group 1 - The core point of the article is that Shanghai Bank announced the convening of its first extraordinary general meeting of shareholders in 2025 on August 8, 2025, to review and approve several proposals, including the proposal to abolish the supervisory board and amend its attachments [2] Group 2 - The announcement indicates a significant governance change within the company, reflecting a potential shift in its operational structure [2] - The meeting will address multiple resolutions, suggesting a proactive approach to corporate governance and management [2] - The timing of the meeting aligns with the company's strategic planning for the upcoming years, indicating a focus on long-term objectives [2]

Core Viewpoint - The collaboration between Shanghai Bank, Eastern Airlines, and China UnionPay aims to enhance travel consumption through a co-branded card that offers users travel value accumulation, payment discounts, and additional retail service benefits [1][5]. Group 1: Financial and Travel Integration - The partnership represents an innovative practice of deep integration between finance and travel, empowering the upgrade of cultural and tourism consumption [3]. - The essence of travel consumption is "experience economy," with the combination of "transportation + finance" serving as a key link connecting the entire chain of "travel, stay, food, shopping, and entertainment" [4]. Group 2: Targeting the Silver Economy - The aging population is shifting the consumption needs of the elderly from basic living security to quality and diversified services, with "silver travel" becoming a significant growth point [4][6]. - The collaboration aims to activate travel consumption by providing financial services that lower travel costs and enhance consumer experience, thus guiding consumption towards diversification and quality [5]. Group 3: User Benefits and Services - The co-branded credit and debit cards allow users to accumulate travel value through daily spending, enjoy payment discounts in travel scenarios, and gain more rights and benefits in retail services [5]. - New users of the co-branded credit card can earn up to 7,000 Eastern Airlines points upon meeting certain criteria, with an annual maximum of 36,000 points redeemable through spending [5]. Group 4: Enhancing Elderly Services - The collaboration focuses on optimizing payment and service experiences for the elderly, ensuring they have a more secure and enjoyable travel experience [6]. - The integration of online and offline services, including mobile payments and personalized travel assistance, aims to bridge the digital divide for older adults [8].

Summary of Key Points Core Viewpoint - Shanghai Bank experienced significant trading activity on August 8, with a total transaction volume of 1.75 million shares and a transaction value of 18.305 million yuan, indicating strong institutional interest in the stock [2]. Trading Activity - On August 8, Shanghai Bank had 2 transactions on the block trading platform, with a total volume of 1.75 million shares and a total transaction amount of 18.305 million yuan, with a transaction price of 10.46 yuan per share [2]. - The closing price of Shanghai Bank on the same day was 10.46 yuan, reflecting a decrease of 0.10% [2]. - The daily turnover rate was 0.20%, with a total trading volume of 297 million yuan and a net inflow of main funds amounting to 8.177 million yuan [2]. - Over the past 5 days, the stock has increased by 1.85%, with a total net inflow of funds amounting to 30.825 million yuan [2]. Margin Financing Data - The latest margin financing balance for Shanghai Bank is 666 million yuan, which has increased by 19.597 million yuan over the past 5 days, representing a growth rate of 3.04% [2].

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 证券代码：601229 证券简称：上海银行 公告编号：临 2025-042 优先股代码：360029 优先股简称：上银优 1 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 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 (一)股东大会召开的时间：2025 年 8 月 8 日 (二)股东大会召开的地点：上海市浦东新区东园路 18 号中国金融信息中心 3 楼 上海厅 (三)出席会议的普通股股东和恢复表决权的优先股股东及其持有股份情况： 份总数的比例（%） 60.7446 (四)表决方式是否符合《公司法》及《公司章程》的规定，大会主持情况等。 本次会议由公司董事会召集，采取现场投票和网络投票相结合的方式召开， 由公司董事长顾建忠先生主持。本次会议的召集、召开及表决方式符合《中华人 民共和国公司法》 《上市公司股东会规则（2025 年修订）》 《上海证券交易所上市 公司自律监管指引第 1 号——规范运作 ...