港股内银股下挫，区域性银行跌幅居前，天津银行(01578.HK)跌超3%，郑州银行(06196.HK)跌2.5%， 中信银行(00998.HK)、交通银行(03328.HK)、中国银行(03988.HK)、农业银行(01288.HK)跌超1%。 ...

Wind数据显示，从1月1日至6月25日，申万银行指数累计涨幅达到15.77%。从个股来看，工商银行、农 业银行、建设银行等30多只银行股在6月26日创下今年以来新高，占比超八成。 截至6月26日，在A股总市值排名前十名的上市公司中，出现了五家上市银行的身影。其中，工商银行 位居A股总市值第一名，市值高达2.70万亿元人民币。自2022年以来，工商银行股价从4元/股涨至7.76 元/股，涨幅超80%。 曾经不被市场看好的银行股，为何在这两年突然走牛了？业内分析认为，一方面源自银行板块盈利平 稳，但此前估值较低，所以板块存在价值回归的动能。数据显示，截至2025年5月底，中证银行指数市 净率（PB）仅为0.67倍，低于过去十年67%的时间。 出品 | 华博商业评论 邮箱 | hbsypl2023@163.com 2025年以来，在低迷的A股市场，银行股一骑绝尘，让不少投资者只能望洋兴叹。 另一方面，随着银行存款利率和银行理财产品预期收益率持续走低，部分投资者秉持着"存钱不如买银 行股"的理念加大了对银行股的资产配置。当前中证银行指数近12个月股息率达6.4%，显著高于1.7%左 右的十年期国债收益率。以工行为例 ...

Core Viewpoint - Agricultural Bank of China Fujian Sanming Branch is actively promoting financial literacy and risk awareness among the public through the "2025 Financial Knowledge Popularization Campaign" with a focus on local needs and key demographics [1][2][3] Group 1: Target Demographics - The campaign emphasizes the financial knowledge needs of three key groups: the elderly, youth, and new citizens [1][2] - For the elderly, the bank conducts "Consumer Protection Micro-Classrooms" in communities and senior centers to educate them on preventing common scams like "pension fraud" and "high-interest investment traps" [1] - For youth, the bank engages with schools to provide financial knowledge lectures and support services, addressing issues like "campus loans," "online gaming scams," and "personal information protection" [1][2] Group 2: Outreach and Education Methods - The bank utilizes both online and offline channels to enhance the campaign's reach, including sending safety tips via SMS and displaying promotional materials on various digital platforms [2] - Offline activities include organizing financial knowledge teams to conduct educational sessions in rural areas, communities, schools, and businesses through various formats like "Micro-Classrooms" and "Town Hall Meetings" [2] Group 3: Employee Training and Service Improvement - The bank is committed to "embedded" education, ensuring that employees provide risk warnings and financial literacy during service interactions [3] - There is a focus on appropriate product recommendations based on customer needs, alongside rigorous employee training to enhance service quality and ethical standards [3] - The bank aims to establish a long-term mechanism for financial knowledge dissemination to foster a harmonious and healthy financial consumption environment [3]

Core Viewpoint - The peak period for cash dividend distribution among listed banks has arrived, with a significant increase in total cash dividends for 2024 compared to the previous year [1][2][3]. Summary by Sections Cash Dividend Distribution - As of June 27, 2024, 26 banks have implemented their cash dividend distribution plans, totaling 427.38 billion yuan [2][4]. - The total cash dividends for A-share listed banks are projected to reach 631.96 billion yuan in 2024, an increase of nearly 20 billion yuan from the previous year, representing a growth rate of 3.03% [3]. Dividend Increase - Nearly half of the A-share listed banks have advanced their dividend actions, with 14 banks completing both mid-term and year-end dividends by June 27 [4]. - A total of 39 out of 42 listed banks are expected to increase their cash dividends in 2024, with an overall increase of 18.6 billion yuan [5]. Major Contributors - The six major state-owned banks are the primary contributors to the dividend payouts, with total dividends exceeding 420 billion yuan [5]. - Industrial and Commercial Bank of China and China Construction Bank each have cash dividends exceeding 100 billion yuan, at 109.77 billion yuan and 100.75 billion yuan respectively [5][6]. Dividend Ratios - 14 banks have a cash dividend ratio exceeding 30% for 2024, with a slight decrease in the number of banks compared to 2023 [10]. - Notably, Ningbo Bank's cash dividend ratio increased by 6.3 percentage points to 21.91%, while Hu'nong Commercial Bank's ratio rose from 30.10% to 33.91% [10]. Mid-term Dividends - 23 A-share listed banks have implemented mid-term dividend plans, distributing a total of 257.71 billion yuan [8]. - Some banks, like Hu'nong Commercial Bank, have already proposed mid-term dividend plans for 2025 [9]. Challenges - Despite the increase in dividend frequency and ratios, the banking industry faces challenges such as narrowing interest margins and slowing revenue growth [12].

Group 1 - The event "Little Bankers" organized by Agricultural Bank of China Jinan Phoenix Branch aims to educate children about financial knowledge through interactive activities [1][2] - Activities included a "branch exploration" where children learned about banking operations, such as using ATMs and understanding cash security [1] - The currency knowledge class featured storytelling and interactive games, helping children recognize and understand the evolution of currency [1] Group 2 - The "Counting Master Show" showcased professional counting techniques, impressing children with the skills demonstrated [2] - Children participated in hands-on experiences, learning to count money and understanding the complexities involved in financial transactions [2] - The event emphasized the importance of financial literacy, rational consumption, and risk awareness among young participants [2]

Core Viewpoint - Agricultural Bank of China (ABC) Jinan Dongfeng Branch demonstrates exceptional customer service by addressing unique client needs, showcasing a commitment to client satisfaction and community support [1][2]. Group 1: Customer Service Initiatives - The bank responded promptly to an urgent call from the family of an elderly client who faced issues with pension fund disbursement due to an inactive phone number [1]. - Two customer managers traveled to the elderly client's home in extreme heat (40°C) to assist with the necessary changes, highlighting the bank's dedication to service [1]. - The successful completion of the phone number update was met with gratitude from the elderly client, reflecting the effectiveness of the bank's customer-centric approach [1]. Group 2: Commitment to Client Needs - ABC Jinan Dongfeng Branch has a track record of providing various services, including activating social security cards at home, facilitating access for disabled clients, and handling urgent requests during off-hours [2]. - The bank emphasizes a philosophy of being responsive to customer needs, aiming to be a reliable financial partner characterized by speed, attitude, and warmth [2].

Group 1: Offline Anti-Fraud Initiatives - The company has placed well-designed anti-fraud brochures in prominent locations within its service halls, detailing common fraud types and prevention methods in an easy-to-understand manner [1] - Eye-catching posters and roll-up banners are displayed to create an immediate anti-fraud awareness atmosphere for customers upon entering the branch [1] - An LED screen outside the branch continuously displays anti-fraud slogans, emphasizing the importance of verifying information and not clicking on unknown links [1] - Staff actively distribute promotional materials and patiently answer customer inquiries while conducting business transactions [1] - "Anti-Fraud Micro Lectures" are held during customer wait times, where staff share real fraud cases and teach customers about common fraud tactics and prevention techniques [1] Group 2: Online Anti-Fraud Education - The company has established a comprehensive anti-fraud promotional matrix through online platforms such as WeChat and mobile banking apps [2] - Regular articles on the WeChat account analyze fraudsters' methods and psychological strategies, providing practical prevention advice and emergency response measures [2] - Short anti-fraud videos are produced, featuring professionals who simulate typical fraud scenarios to help customers understand the fraud process more intuitively [2] - A dedicated anti-fraud section is set up on the mobile banking app's homepage, offering personalized fraud alerts based on big data analysis for different customer demographics [2] - Targeted fraud prevention tips are provided for specific customer groups, such as young customers receiving alerts about online gaming scams and older customers being warned about pension fraud [2]

Core Viewpoint - Agricultural Bank of China is actively engaging with the community to promote anti-money laundering and financial safety awareness, demonstrating its commitment to serving the public and enhancing financial literacy [1][2]. Group 1: Community Engagement - The bank's staff initiated a promotional activity outside a convenience store, showcasing its proactive approach to financial education [1]. - The collaboration with the convenience store owner highlights the bank's strategy to extend its services beyond traditional banking environments [1][2]. Group 2: Financial Literacy Promotion - The promotional materials were designed to be easily understood, making complex financial concepts accessible to the general public [1]. - Residents showed interest and engagement, indicating the effectiveness of the bank's outreach efforts in raising awareness about financial scams [2]. Group 3: Commitment to Social Responsibility - The bank's mission includes serving agriculture, the real economy, and the public, which is reflected in its community-focused initiatives [2]. - The activity exemplifies the bank's dedication to protecting the financial interests of the public and fulfilling its social responsibilities as a state-owned enterprise [2].

Core Insights - Agricultural Bank of China Jinan Shuangshan Branch actively responded to the urgent needs of sanitation workers by organizing a service team to assist them in opening salary accounts in rural areas [1][2] - The initiative aimed to bridge the financial service gap in rural communities, particularly for older sanitation workers who may be unfamiliar with financial processes [1] Group 1: Service Innovation - The branch deployed a "Rural Financial Service Team" equipped with mobile terminals to provide on-site services, simplifying the account opening process for workers with limited literacy and technology skills [1] - A three-step form-filling guide was created in local dialects, and additional tools like magnifying glasses were provided for those with vision impairments [1] Group 2: Community Impact - The service not only resolved the account opening difficulties for sanitation workers but also garnered high praise from villagers and local government officials [2] - The bank's commitment to "financial for the people" and the "Agricultural Sentiment Warm Domain" service philosophy reflects its dedication to extending services to meet rural community needs [2] Group 3: Future Plans - The Agricultural Bank of China Jinan Shuangshan Branch plans to continue exploring diverse service models to better address rural livelihood demands and enhance its community engagement [2]

Core Viewpoint - Agricultural Bank of China (ABC) Jinan Zhaoyuan Branch actively responds to the national policy of "social security service convenience" by providing on-site services for residents to replace their social security cards, particularly focusing on vulnerable groups such as the elderly and disabled [1][2]. Group 1: Service Implementation - ABC Jinan Zhaoyuan Branch established a "Social Security Service Pioneer Team" to facilitate the replacement of social security cards from May 12 to May 14, 2024, in Xiuyuan South City Community [1]. - A temporary service point was set up in the community square, equipped with mobile smart terminals and portable card-making machines, allowing residents to complete the entire process of application, card production, and activation with just their ID cards [1]. - The bank staff provided one-on-one guidance to elderly residents who were unfamiliar with mobile banking and electronic signatures, explaining the new convenient features of the third-generation social security card [1]. Group 2: Community Engagement - A joint team of bank employees and community grid members conducted a "door-to-door card service" for 23 elderly residents with mobility issues, completing the information collection and card activation in about 10 minutes for individuals like Grandma Wang, who was unable to leave her home due to a leg injury [2]. - During the service, bank employees distributed anti-fraud manuals to residents, educating them about potential scams related to social security card usage, particularly those involving phishing messages claiming card expiration [2]. - The service initiative received widespread praise from community residents, highlighting the convenience of not having to visit the bank or government offices for card replacement [2]. Group 3: Commitment to Community Needs - The branch director emphasized the importance of social security cards as a significant aspect of people's livelihoods and stated that the bank will continue to focus on the financial needs of vulnerable groups, extending services to communities, rural areas, and enterprises [2].