2月13日金融一线消息，据央行官网，为构建覆盖全面的宏观审慎管理体系，强化系统重要性金融机构 监管，根据《系统重要性银行评估办法》，近期中国人民银行、国家金融监督管理总局开展了2025年度 我国系统重要性银行评估，认定21家国内系统重要性银行，其中国有商业银行6家，股份制商业银行10 家，城市商业银行5家。按系统重要性得分从低到高分为五组：第一组11家，包括中国民生银行、中国 光大银行、平安银行、华夏银行、宁波银行、江苏银行、北京银行、南京银行、广发银行、浙商银行、 上海银行；第二组4家，包括兴业银行、中信银行、浦发银行、中国邮政储蓄银行；第三组2家，包括交 通银行、招商银行；第四组4家，包括中国工商银行、中国银行、中国建设银行、中国农业银行；第五 组暂无银行进入。 责任编辑：曹睿潼 责任编辑：曹睿潼 2月13日金融一线消息，据央行官网，为构建覆盖全面的宏观审慎管理体系，强化系统重要性金融机构 监管，根据《系统重要性银行评估办法》，近期中国人民银行、国家金融监督管理总局开展了2025年度 我国系统重要性银行评估，认定21家国内系统重要性银行，其中国有商业银行6家，股份制商业银行10 家，城市商业银行5家。按系 ...

证券代码：601288 证券简称：农业银行 公告编号：临 2026-002 号 中国农业银行股份有限公司 董事会决议公告 中国农业银行股份有限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。 中国农业银行股份有限公司（以下简称"本行"）董事会于2026 年1月26日以书面形式发出会议通知，于2026年2月13日在北京以现 场方式召开会议。会议应出席董事15名，亲自出席董事15名。会议 召开符合法律法规、《中国农业银行股份有限公司章程》（以下简 称"《公司章程》"）及《中国农业银行股份有限公司董事会议事 规则》的规定。 会议由谷澍董事长主持，审议并通过了以下议案： 一、中国农业银行股份有限公司2026年度固定资产投资预算安 排 议案表决情况：有效表决票15票，同意15票，反对0票，弃权0 票。 本议案尚需提交本行股东会审议通过。 二、聘任王志恒先生兼任中国农业银行股份有限公司首席合规 官 王志恒先生与审议事项存在利害关系，回避表决。 议案表决情况：有效表决票14票，同意14票，反对0票，弃权0 1 票。 本议案已经本行董事会提名与 ...

财经网×企业预警通App ◆企业动态 华夏银行：2025年实现归属于上市公司股东的净利润272.00亿元 同比下降1.72% 2月12日晚间，华夏银行发布2025年度业绩快报。2025年华夏银行实现营业收入919.14亿元，同比下降5.39%；实现归 属于上市公司股东的净利润272.00亿元，同比微降1.72%。资产总额达到47376.19亿元，较上年末增长8.25%，继续保 持一定的增长。 中国银行将积存金起购金额上调至1200元 继工行、农行、建行后，又一家国有大行对积存金业务进行调整。2月11日，中国银行发布公告称，积存金产品最小 购买金额由950元调整为1200元。 ◆金融人事 中国银行迎来新高管，中央汇金黄学玲履新 2月10日获悉，中央汇金投资有限责任公司资本运营部主任兼职工监事黄学玲目前已到任中行，在走完相关程序后， 有望出任该行副行长。 北京银行：同意选举关文杰担任董事长，聘任魏昱为副行长 交通银行：上调个人客户上金所延期合约保证金比例 2月11日，交通银行发布关于调整个人客户上海黄金交易所延期合约保证金比例的通知称，近期国内外贵金属价格波 动加剧，市场风险提升，为顺应市场变化，保护投资者权益， ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或完整性亦不發表任 何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚賴該等內容而引致的任何損失承擔任何責 任。 AGRICULTURAL BANK OF CHINA LIMITED 1288 董事名單與其角色和職能 中國農業銀行股份有限公司（「本行」）董事會（「董事會」）成員載列如下。 執行董事 谷 澍 王志恒 劉 洪 汪昌雲 鞠建東 莊毓敏 張 琦 王沛詩 非執行董事 周 濟 李 蔚 劉曉鵬 張 奇 張洪武 - 1 - 董事會設立7個專門委員會。下表提供各董事會成員在這些委員會中所擔任的職位。 林 立 獨立非執行董事 吳聯生 - 2 - | 委員會 | | | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | | 戰略規劃 | 「三農」 金融與 | | | 風險 管理與 | | | | | | 與可持續 | 普惠金融 | 提名與 | | 消費者 | 關聯交易 | 美國區域 | | | | 發展 | 發展 | 薪酬 | ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或完整性亦不發表任 何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚賴該等內容而引致的任何損失承擔任何責 任。 AGRICULTURAL BANK OF CHINA LIMITED 1288 董事會決議公告 議案表決情況：有效表決票15票，同意15票，反對0票，棄權0票。 本議案尚需提交本行股東會審議通過。 2. 聘任王志恒先生兼任中國農業銀行股份有限公司首席合規官 王志恒先生與審議事項存在利害關係，迴避表決。 議案表決情況：有效表決票14票，同意14票，反對0票，棄權0票。 本議案已經本行董事會提名與薪酬委員會審議通過，同意聘任王志恒先生兼任本行 首席合規官。 中國農業銀行股份有限公司（「本行」）董事會（「董事會」）於2026年1月26日以書面形式發出 會議通知，於2026年2月13日在北京以現場方式召開會議（「會議」）。會議應出席董事15 名，親自出席董事1 5名。會議召開符合法律法規、《中國農業銀行股份有限公司章 程》（「本行章程」）及《中國農業銀行股份有限公司董事會議事規則》的規定。 會議由谷澍董事長主持 ...

Core Viewpoint - Agricultural Bank of China Gansu Branch demonstrates resilience and commitment to serving the community during natural disasters, emphasizing the importance of financial services in times of crisis [2][7]. Group 1: Emergency Response and Community Support - Following the earthquake in Jishishan and Diebu, the bank activated an emergency response, ensuring the flow of financial services in disaster areas by increasing cash reserves and deploying mobile service vehicles [2][7]. - The bank's employees formed volunteer teams to assist in logistics and provide financial policy consultations, helping affected clients understand relief measures such as loan extensions and interest rate discounts [2][7]. Group 2: Elderly Care and Inclusive Services - The bank's focus on elderly clients is evident in its provision of senior-friendly services, including specially designed seating and priority systems for older customers [3][8]. - Initiatives include creating dedicated service records for elderly clients and offering home visits for personalized financial consultations, enhancing their financial literacy and social recognition [3][9]. Group 3: Rural Financial Inclusion - The bank has established 64 rural service stations, continuously expanding to connect with local government and community organizations, thereby facilitating access to essential financial services for rural populations [4][10]. - The use of technology, such as RPA for monitoring customer wait times, has significantly reduced average wait times, improving customer satisfaction and allowing staff to focus on personalized services [5][10]. Group 4: Overall Commitment to Service - The bank's efforts extend beyond disaster response to everyday services, reinforcing its role as a trusted partner for the community and contributing to the broader goal of financial security and modernization in China [5][11].

编者按 闽宁协作是习近平总书记亲自开创、亲自部署、亲自推动的重大战略和创新实践。今年是闽宁协作30年，为展现 福建与宁夏从对口帮扶到高质量发展的生动实践和伟大成就，讲述闽宁协作山海深情的动人故事，央视网特设"聚 焦闽宁协作三十年"栏目，探究在闽宁协作中呈现的"超越帮扶、走向融合"的中国式现代化"协作样本"。 贺兰山下，春意初萌，宁夏永宁县闽宁镇产业园内已是生机一片。在广袤的温棚园区里，福红李挂满枝头，芹菜 鲜嫩翠绿，电商直播间里"闽宁巧媳妇"们热情推介着特色农产品……一幅产业兴旺、生态宜居、百姓富足的乡村 振兴画面呈现在我们面前。 闽宁镇是唯一以两省简称命名的小镇，也是中央创建的东西部协作对口扶贫"示范区"。今年是闽宁协作30周年， 三十年来，在闽宁镇从昔日的"干沙滩"蝶变为今日的"金沙滩"的历程中，中国农业银行以金融之力深度融入闽宁 协作大局，持续为产业培育、科技兴农、电商扶贫注入"源头活水"，助力昔日受援地实现从"输血"到"造血"、再 到"反向输出"的历史性跨越。 金融助力科技兴农 在闽宁镇园艺村的温室大棚中，永宁县科技特派员马雅玲的6个试验棚被誉为"品质炼金室"。1994年，她跟随父母 从宁夏西吉县自发 ...

Core Viewpoint - The article highlights the trend of A-share listed companies implementing cash dividends ahead of the Spring Festival, indicating a shift towards a "return-focused" market environment driven by regulatory policies and improved corporate governance [2][6]. Group 1: Cash Dividends Overview - As of February 11, 57 A-share listed companies have implemented cash dividends totaling 409.11 billion yuan since February [2]. - Notable companies such as Changjiang Electric Power and Darentang have announced significant cash dividends, with Changjiang Electric Power distributing over 51 billion yuan [3][4]. - From December 1, 2025, to February 11, 2026, 289 A-share companies have distributed cash dividends amounting to 3,896.83 billion yuan, reflecting a year-on-year growth of approximately 13% [4]. Group 2: Industry Insights - The financial and consumer sectors continue to dominate cash dividends, with banks accounting for 8 out of the top 10 companies by total dividend amount [4]. - The total cash dividends from 19 listed banks reached 2,627.34 billion yuan, representing 67% of the total dividends during the specified period [4]. - In the food and beverage sector, 23 listed companies have distributed cash dividends totaling 494.84 billion yuan, with leading firms like Kweichow Moutai and Wuliangye contributing significantly [5]. Group 3: Regulatory Influence - Recent policies, including the new "National Nine Articles," have emphasized the importance of cash dividends, encouraging companies to enhance dividend stability and predictability [6][7]. - The China Securities Regulatory Commission has advocated for multiple dividends per year and pre-dividend announcements to improve investor returns [6]. - The Shanghai and Shenzhen Stock Exchanges are promoting initiatives to enhance cash dividend policies and increase the frequency of cash distributions [7].

近日，农业银行积极响应商务部等9单位联合印发的《2026"乐购新春"春节特别活动方案》，以"骏马送 锦礼 哇宝贺新春"为主题，围绕"好吃、好住、好行、好游、好购、好玩"六大春节消费场景，通过立 减、返现、积分兑换、分期免息等多种活动，全方位覆盖群众新春消费需求，构建"全域覆盖、全民乐 享、全程便捷"新春消费服务生态，助力消费市场暖意涌动。 聚焦"好吃"场景，唤醒团圆烟火气息 发力"好游"场景，解锁新春出游乐趣 结合"新春冰雪+避寒旅游"热点，农业银行联动携程旅行及景区周边商户，推出"暖心冬日游"专项出游 优惠。农业银行信用卡持卡人预订指定景区门票、酒店至高立减15元，指定旅游路线至高立减50元；在 景区周边商户到店买单至高优惠35元，让更多群众畅游山河、共享优惠。 结合人民群众新春焕新需求，农业银行联合京东、抖音等电商平台推出"以旧换新"专区，可叠加政府补 贴及农业银行额外优惠；客户消费达标后可参与月月返现抽奖，至高获300元刷卡金，助力加速释放消 费潜力。 聚焦"好行"场景，护航新春便捷归途 农业银行联动中石油、中石化及东方航空、海南航空、春秋航空等重点商户，推出全方位出行优惠。活 动期间，农业银行信用卡持 ...

Core Insights - The mobile banking app industry in China is transitioning into a stock operation phase, with user behavior shifting towards efficient, purpose-driven usage rather than prolonged browsing [1][7][9] - AI and ecosystem integration are driving a transformation in service delivery, enhancing user experience and security [2][11] - Regulatory frameworks are tightening, emphasizing compliance and innovation, with new policies guiding the industry towards value creation [3][14] - Competitive dynamics are increasingly influenced by ecosystem capabilities and regional strengths, with state-owned banks leading the market [4][16] Market Overview - The user base for mobile banking apps is stabilizing, with monthly active users (MAU) projected to fluctuate between 648 million and 739 million from 2023 to 2025, reaching a peak by December 2025 [7] - The overall market is moving from rapid expansion to a focus on enhancing existing user engagement [7] User Behavior Trends - User engagement metrics show a slight decline in daily usage frequency, with average daily sessions dropping from approximately 4.5 times in 2023 to around 3.3 times in early 2024, stabilizing thereafter [9] - Effective usage time is also decreasing, indicating a shift from passive browsing to targeted, functional use [9] Technological Trends - By 2025, mobile banking technology will focus on deep AI integration and ecosystem-level enhancements, moving beyond simple feature improvements [11] Regulatory Environment - The regulatory landscape is evolving, with a focus on compliance and user rights protection, driven by the implementation of new policies [14] Competitive Landscape - The competitive environment is characterized by significant differentiation, with state-owned banks leveraging their extensive ecosystems, while regional banks focus on localized growth [4][16] User Demographics - The core user demographic consists predominantly of males (56.7%) and younger users under 40 years old (63.3%), with a significant portion being married and having children [6][45][47] - Users from new first-tier and lower-tier cities account for over 90% of active users, highlighting the importance of these markets for future growth [48] Top Mobile Banking Apps - Agricultural Bank of China leads with an average MAU of 249 million, followed by Industrial and Commercial Bank of China with 194 million, and China Construction Bank with 109 million [18][19] - Among joint-stock banks, China Merchants Bank leads with 71.85 million MAU, while Ping An Bank and CITIC Bank follow closely [20][22] Case Studies of Leading Banks - Agricultural Bank of China is enhancing user experience through its mobile app, aiming for over 270 million MAU by the end of 2025 [30] - Industrial and Commercial Bank of China focuses on smart financial services, improving user engagement through various innovative features [33] - Postal Savings Bank of China aims to evolve its app into a companion service, enhancing user interaction and experience [35] - China Merchants Bank emphasizes wealth management and digital loan services, integrating financial services into daily life [37] - Ping An Bank is enhancing its app with AI-driven insights and personalized services [39] - Beijing Bank is focusing on a comprehensive wealth management system and improved user experience through its app [41]