智通财经APP获悉，摩根士丹利发布研报称，已更新对工商银行(01398)的风险回报评估，并在其2025年 第三季度业绩公布后，调整了对工行的盈利预测。因此，大摩对工行2025至27年各年税后净利润预测微 幅下调0.6%、1%及0.6%;H股目标价从7.6港元上调至8港元;评级"增持"。 大摩下调了工行2025至2027年净息差预测，以反映国有银行净息差复苏较慢的情况，但基于第三季度手 续费收入增长快于预期，上调了手续费收入预测。 ...

大摩下调了工行2025至2027年净息差预测，以反映国有银行净息差复苏较慢的情况，但基于第三季度手 续费收入增长快于预期，上调了手续费收入预测。 摩根士丹利发布研报称，已更新对工商银行（601398）(01398)的风险回报评估，并在其2025年第三季 度业绩公布后，调整了对工行的盈利预测。因此，大摩对工行2025至27年各年税后净利润预测微幅下调 0.6%、1%及0.6%;H股目标价从7.6港元上调至8港元;评级"增持"。 ...

Group 1 - The core objective of the meeting was to enhance financial services for private enterprises and establish a long-term mechanism to address financing challenges faced by these businesses [2] - The meeting involved in-depth discussions on deepening cooperation between banks and enterprises, as well as optimizing financial services [2] - The Vice President of the Yunnan Branch of Industrial and Commercial Bank of China emphasized the bank's initiatives to support small and medium-sized enterprises and innovate financial products [2] Group 2 - The President of the Qujing Zhejiang Chamber of Commerce expressed gratitude for the bank's ongoing support and highlighted the need for more financial assistance and favorable policies for member enterprises [2] - The meeting served as an efficient platform for both parties, marking a new phase in the collaboration between the Industrial and Commercial Bank and the Qujing Zhejiang Chamber of Commerce [4] - Leaders from various other chambers of commerce in Qujing participated in the meeting, indicating a broader collaborative effort to enhance communication between banks and enterprises [4]

Group 1 - The core viewpoint of the news is that A-share listed banks are expected to distribute significant cash dividends, with a total expected amount exceeding 260 billion yuan, indicating a trend towards increased shareholder returns [1][2] - As of December 17, 2025, 26 A-share listed banks have disclosed their mid-term or quarterly dividend plans, surpassing the 24 banks that did so for 2024 [1][2] - The six major state-owned banks are the main contributors to this dividend distribution, with a total cash dividend expected to exceed 200 billion yuan, accounting for over 70% of the total dividends from all listed banks [2] Group 2 - The Industrial and Commercial Bank of China leads the dividend distribution with 50.396 billion yuan, followed by other major banks such as China Construction Bank and Agricultural Bank of China [2] - Several banks, including China Merchants Bank and Changsha Bank, are initiating mid-term dividends for the first time, with a total dividend amount of approximately 23 billion yuan [2] - The trend of high-frequency dividends aligns with national policy directives aimed at enhancing the quality of capital market development and protecting investor rights [3][4] Group 3 - The increase in dividend frequency is seen as a positive response to policy guidance, providing a model for other listed companies to improve their dividend mechanisms [4] - High-frequency dividends not only enhance shareholder satisfaction but also meet the investment needs of long-term funds such as social security and pension funds [4][5] - The banking sector's move towards mid-term dividends is expected to positively impact stock prices and the overall banking sector, signaling strong profitability and ample cash flow [6]

近日，工行深圳市分行凭借专业高效的金融服务与精准的市场研判，成功开立"深圳市首笔城市更新房 票资金监管账户"，成为深圳房票制度实施以来首家实现该业务突破的银行，为城市更新领域金融服务 树立了新标杆。 今年以来，深圳市《关于规范城市更新实施工作的若干意见》正式施行，明确提出建立房票制度，探索 城市更新项目补偿安置多元化路径。作为破解城中村改造困局、盘活存量更新项目的重要举措，该制度 将被征收人房屋安置补偿权益货币量化，并依托规范的资金监管保障交易安全与权益落地。根据规定， 被搬迁人在签订搬迁补偿协议时，可选择现金补偿或者房票，房票由票面金额和优惠政策组成，被搬迁 人凭房票可以在政府指定范围内购买已准入房源库的一手住宅，并可享受购房优惠，有效期为24个月， 逾期未使用和逾期房票有结余的，可申请兑换为现金。 在此基础上，该行聚焦房票资金"安全监管、透明流转、高效结算"三大核心，量身定制涵盖账户开立、 资金存管、流程监控、凭证核验的全链条金融服务方案。该方案充分发挥银行资金监管的合规优势与线 上化服务效率，通过系统对接实现房票数据实时共享，确保资金存取与房产交易流程精准匹配，有效防 范交易风险。同时，该行开辟绿色审批 ...

Core Viewpoint - The issuance of technology innovation bonds (科创债) by banks has significantly increased, with a total issuance scale reaching 301.4 billion yuan as of December 18, indicating a strong market response to the regulatory support initiated in May 2023 [3][14]. Issuance Scale - A total of 67 banks have issued 75 technology innovation bonds, with the largest share coming from state-owned banks, which account for 38.16% of the total issuance [3][15]. - The six major state-owned banks have collectively issued bonds worth 115 billion yuan, while city commercial banks and rural commercial banks have also become significant players, with issuance scales of 74.9 billion yuan and 15 billion yuan respectively [4][17]. Interest Rates - The interest rates for technology innovation bonds vary, with state-owned banks offering rates between 1.65% and 1.81%, while city and rural commercial banks have higher rates ranging from 1.67% to 2.07% [7][21]. - Notably, some city and rural commercial banks have rates exceeding 1.8%, indicating a competitive pricing environment [3][18]. Maturity Periods - The majority of the issued bonds have a maturity period concentrated around 5 years, which accounts for over 70% of the total, followed by 3-year bonds at over 20% [11][22]. - This maturity structure is designed to meet the medium to long-term funding needs of technology enterprises for research and development, as well as for project implementation [22]. Funding Allocation - The funds raised through these bonds are primarily directed towards technology innovation sectors, including the issuance of loans for technology projects and investments in innovative enterprises [6][17].

中国驻阿联酋使馆经济商务参赞朱炼在致辞中充分肯定工商银行阿布扎比分行在促进中阿经贸金融合作 中发挥的积极作用，表示驻阿使馆将一如既往支持中资金融机构在阿联酋稳健发展，共同推动中阿关系 不断向更高水平迈进。 中国工商银行阿布扎比分行总经理孙刚表示，15年来，分行围绕中阿两国战略方向，积极提供多元化金 融服务，见证了中阿合作由传统能源、工程建设向绿色发展、数字创新等新兴领域不断拓展。既为中资 企业海外发展保驾护航，也逐步成长为阿联酋本土企业信赖的合作伙伴，实现了与驻在国经济的同频共 振、互促共进。 人民网迪拜12月18日电 (记者张志文)12月18日，中国工商银行阿布扎比分行成立15周年庆典暨客户答谢 活动在阿布扎比举行。中国驻阿联酋使馆代表和中阿工商界嘉宾等齐聚一堂，共同回顾分行15年发展历 程，展望中阿金融合作广阔前景。 中国工商银行阿布扎比分行于2010年11月正式营业，是在阿布扎比设立的首家中资在岸银行。15年来， 该行立足中国工商银行集团全球化发展布局，在支持中阿双边贸易投资、基础设施建设和产业合作、金 融互联互通等方面持续发力，逐步成长为联通两国资金往来、促进互利共赢的重要金融纽带。 据介绍，中国工商 ...

Core Viewpoint - The issuance of technology innovation bonds by banks has significantly increased since the announcement by the central bank and the China Securities Regulatory Commission on May 7, with a total issuance scale reaching 301.4 billion yuan by December 18, 2023 [1][2]. Issuance Scale - A total of 67 banks have issued 75 technology innovation bonds, with state-owned banks being the primary issuers, accounting for 38.16% of the total issuance [1][3]. - The six major state-owned banks have collectively issued bonds worth 115 billion yuan, while city commercial banks and rural commercial banks have issued 74.9 billion yuan and 15 billion yuan, respectively [1][5]. - The issuance period is mainly concentrated in 5-year bonds, followed by 3-year bonds, with a small number of 6-month and 7-year bonds [1][9]. Interest Rates - The interest rates for the issued bonds range from 1.67% to 2.07%, with state-owned banks having slightly lower rates between 1.65% and 1.81% [1][7]. - City commercial banks and rural commercial banks have higher rates, with many exceeding 1.8% [1][9]. - The policy banks have rates of 1.4% for the National Development Bank and 1.65% for the Agricultural Development Bank [1][7]. Fund Allocation - The funds raised from technology innovation bonds are directed towards technology innovation sectors, including issuing loans for technology and investing in technology innovation enterprises [6].

今年以来，中国银行业掀起了一场深刻的公司治理架构调整浪潮。 12月16日，邮储银行发布公告，近日收到金监总局相关批复，该行自公司章程修订获核准生 效之日起，不再设立监事会，由董事会审计委员会依法行使监事会相关职权，监事会相关制 度同时废止。在此之前，工商银行、农业银行、中国银行、建设银行及交通银行五家国有大 行均已完成相关工作。除了国有大行，近期另有多家商业银行已完成或正在推进监事会撤销 工作，包括华夏银行、浙商银行、渝农商行、北京银行、宁波银行、南京银行等。 从国有大行到股份行，再到城、农商行，随着愈来愈多的商业银行加入，运行近30年的监事 会制度正逐步淡出银行业公司治理舞台。那么，当监事会正式退出后，谁来继续承担监督职 能？原监事会成员又将如何安置？ 邮储银行不再设立监事会， 六大行监事会全部撤销 12月16日，邮储银行发布公告称，该行于今年10月9日召开的2025年第二次临时股东大会审 议批准了《关于修订<中国邮政储蓄银行股份有限公司章程>的议案》和《关于中国邮政储 蓄银行不再设立监事会的议案》。近日，该行收到《国家金融监督管理总局关于邮储银行修 改公司章程的批复》，自公司章程修订获核准生效之日起，不再 ...

Core Insights - The Industrial and Commercial Bank of China (ICBC) in Liaocheng has achieved significant progress in promoting digital RMB, with a personal wallet increase of 23,000 accounts, surpassing the target by 127.29% [1] - The bank has established a three-tiered promotion mechanism led by the party committee, ensuring accountability and effective implementation of digital RMB initiatives [1] - The bank is focusing on personalized customer engagement and targeted strategies to enhance the adoption of digital RMB wallets among both individual and corporate clients [2] Group 1 - ICBC Liaocheng has netted 23,000 personal digital RMB wallets, achieving a completion rate of 127.29%, ranking 5th in the province [1] - The bank's corporate wallets increased by 2,000 accounts, with a completion rate of 138.15%, ranking 3rd in the province [1] - A dedicated task force has been established to drive the promotion of digital RMB, integrating party leadership with operational execution [1] Group 2 - The bank employs a one-on-one personalized promotion strategy at its branches, enhancing customer understanding of digital RMB's benefits [2] - Specific strategies are tailored for individual and corporate clients, focusing on the ease of use and security of digital RMB wallets [2] - The bank aims to improve customer experience and business engagement through continuous optimization of its digital RMB services [3]