Investment Rating - The report maintains an "Overweight" rating for the banking sector, indicating a positive outlook for the industry. Core Insights - The banking sector is experiencing a narrowing decline in profit growth, with a cumulative net profit of 1.24 trillion yuan in the first half of 2025, representing a year-on-year decrease of 1.2%, which is an improvement from the 2.3% decline in the first quarter [1][2] - The asset growth rate of commercial banks accelerated to 8.88% year-on-year in Q2 2025, up 1.7 percentage points from Q1 2025, driven by a low base effect from the previous year [1][2] - The report highlights a continuous optimization of credit structure, with significant increases in loans to technology, green, inclusive, and digital sectors, which now account for approximately 70% of new loans [7] Summary by Sections Banking Sector Performance - Profit growth decline narrowed to 1.2% in H1 2025, with non-interest income rising to 25.8% [1] - Asset growth rate reached 8.88% in Q2 2025, with state-owned banks showing a 10.4% growth [1][2] - Net interest margin slightly decreased to 1.42%, with state-owned banks at 1.31% [2] - Non-performing loan (NPL) ratio improved to 1.49%, with a notable decrease in rural commercial banks' NPL ratio to 2.77% [2] - Capital adequacy ratio increased to 15.58%, with all bank types showing improvements [2] Monetary Policy Execution - New loan interest rates decreased to 3.29% in June 2025, with significant drops in various loan categories [3] - The central bank's outlook on the macro economy has become more positive, indicating solid support for stable growth in the second half of 2025 [3] - The monetary policy remains moderately accommodative, focusing on maintaining stability and flexibility [3][6] Credit Structure Optimization - The report emphasizes the need for continuous optimization of credit structure, with a significant shift in loan distribution over the past decade [7] - Small and micro-enterprise loans have seen an annual growth rate of about 15%, increasing their share in corporate loans from 30.4% in 2014 to 38.2% in 2025 [7] - Technology loans reached a balance of 44.1 trillion yuan, growing by 12.5% year-on-year, with an average interest rate of 2.90% [7] Sector Outlook - The banking sector is expected to benefit from policy catalysts, with a focus on stocks that show positive fundamental changes and continuous improvement in financial statements [8] - Specific banks such as Ningbo Bank are recommended for their positive fundamental changes, while Jiangsu Bank and others are highlighted for their dividend strategies [8]

Core Viewpoint - Chengdu Bank announced the appointment of Huang Jianjun as the new Party Secretary and Chairman, following the resignation of Wang Hui due to organizational adjustments [1][2] Group 1: Leadership Changes - Huang Jianjun has been appointed as the Party Secretary and is nominated to be the Chairman of Chengdu Bank, replacing Wang Hui [1] - Wang Hui submitted his resignation as Chairman, Director, and various committee roles, effective from August 17, 2025, and will no longer hold any position at Chengdu Bank after his resignation [2] Group 2: Background of New Chairman - Huang Jianjun, born in November 1975, holds a doctorate in political economics from Sichuan University and is a senior economist [1] - His previous roles include various leadership positions within Chengdu Bank and its predecessor, Chengdu Commercial Bank, as well as a stint as Deputy Director of the Financial Bureau in Foshan, Guangdong [1]

证券代码：601838 证券简称：成都银行 公告编号：2025-047 成都银行股份有限公司 关于董事长离任的公告 本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。 重要内容提示： 成都银行股份有限公司（以下简称"本公司"）董事会于近日收到 王晖先生提交的辞职报告。因组织工作调动另有任用，王晖先生辞去 本公司董事长、董事、董事会战略发展委员会主任及委员、董事会授 信审批特别授权委员会主任及委员职务，自 2025 年 8 月 17 日起生效。 王晖先生辞任后，不再担任本公司任何职务。 一、提前离任的基本情况 | 姓名 | 离任职务 | 离任时间 | | 原定任期 | | | 是否继续在上 | 是否存在 未履行完 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | | | | 到期日 | | 离任原因 | 市公司及其控 股子公司任职 | 毕的公开 承诺 | | 王晖 | 董事长、董事、董 | 2025 | 年 8 | 2027 年 | 6 | 组织工作 | 否 ...

证券代码：601838 证券简称：成都银行 公告编号：2025-046 成都银行股份有限公司 关于党委书记任免的公告 2025 年 8 月 18 日 1 附件： 黄建军同志简历 2 黄建军同志简历详见附件。 特此公告。 成都银行股份有限公司董事会 黄建军，男，1975 年 11 月出生，四川大学政治经济学专业毕业， 在职博士研究生，正高级经济师。现任本公司党委书记、董事长提名 人选。曾任成都市商业银行办公室秘书科科长、办公室副主任兼目标 督查办公室主任、董事会办公室主任、公司业务部总经理、中小企业 部总经理；成都银行高新支行行长，公司业务部总经理，西安分行党 委书记、行长；成都市商业银行董事会秘书，成都银行行长助理、党 委委员、副行长，其间挂职广东省佛山市金融局副局长；成都农商银 行党委副书记、代理董事长、董事、行长；成都农商银行党委书记、 董事长。曾兼任四川省金融学会第七届理事会理事、副会长；四川省 银行业协会第九届监事会监事。 本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。 中共成都市委决定，黄建军同志任中共成都银行股份 ...

格隆汇8月17日丨成都银行(601838.SH)公布，公司董事会于近日收到王晖先生提交的辞职报告。因组织 工作调动另有任用，王晖先生辞去本公司董事长、董事、董事会战略发展委员会主任及委员、董事会授 信审批特别授权委员会主任及委员职务，自2025年8月17日起生效。王晖先生辞任后，不再担任本公司 任何职务。 ...

格隆汇8月17日丨成都银行(601838.SH)公布，中共成都市委决定，黄建军同志任中共成都银行股份有限 公司委员会委员、书记，免去王晖同志中共成都银行股份有限公司委员会书记、委员职务。中共成都市 委同意提名黄建军同志任成都银行股份有限公司董事长，免去王晖同志成都银行股份有限公司董事长职 务。按有关规定办理。 ...

Core Insights - The banking industry is intensifying its recruitment of technology talent as part of its digital transformation efforts, with many banks launching campus and social recruitment initiatives focused on tech positions [1][2][4] Group 1: Recruitment Trends - Banks are increasingly prioritizing technology roles in their recruitment drives, with a notable focus on candidates who possess both technical and financial expertise [1][4] - High salaries are being offered to attract top technology talent, with some banks offering annual salaries as high as 800,000 yuan for AI positions, surpassing the compensation of senior executives [1][3] - The demand for technology talent is evident in campus recruitment announcements, with banks like Shanghai Rural Commercial Bank and China Merchants Bank targeting graduates from STEM fields [2][4] Group 2: Talent Requirements - There is a growing emphasis on hiring composite talent that combines technical skills with business acumen, as banks seek individuals who can apply AI and technology in practical business scenarios [4][5] - Banks are setting higher qualification standards for technology roles, often requiring relevant work experience in commercial banks or financial technology companies [4][6] Group 3: Industry Dynamics - The competition for technology talent reflects a broader "arms race" in digital transformation, with larger banks leveraging high salaries and advanced technology investments to attract top talent [6][7] - There is a noticeable disparity between large and small banks in terms of technology investment and talent acquisition, with larger banks having more resources to attract high-caliber candidates [6][7] - Smaller banks are adopting differentiated strategies, focusing on niche markets and optimizing local services to attract suitable talent despite limited resources [6][8]

证券之星消息，8月15日城商行板块较上一交易日下跌0.92%，齐鲁银行领跌。当日上证指数报收于 3696.77，上涨0.83%。深证成指报收于11634.67，上涨1.6%。城商行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | | --- | --- | --- | --- | --- | --- | --- | | 001227 | 兰州银行 | 2.46 | 0.41% | 75.62万 | | 1.85亿 | | 600926 | 杭州银行 | 15.87 | 0.32% | 74.37万 | | 11.68亿 | | 601838 | 成都银行 | 18.21 | -0.05% | 33.14万 | | 5.99亿 | | 002142 | 宁波银行 | 28.10 | -0.14% | 46.92万 | | 13.06亿 | | 600928 | 西安银行 | 3.80 | -0.26% | 29.01万 | | 1.10亿 | | 601187 | 厦门银行 | 6.77 | -0.29% | 32.61万 | | 2.18亿 | | ...

Group 1 - Chengdu Bank (601838) plans to issue its first tranche of perpetual bonds with a base size of 8 billion yuan in 2025, with book building scheduled for August 19 [1] - The issuer and the bonds have been rated AAA by China Chengxin International Credit Rating Co., Ltd [1] - CITIC Securities (601066) is acting as the lead underwriter for this bond issuance [1]

从资金流向上来看，当日城商行板块主力资金净流出3.82亿元，游资资金净流出1.38亿元，散户资金净流 入5.21亿元。城商行板块个股资金流向见下表： | 代码 | 名称 | 主力净流入 (元) | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入 (元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601009 南京银行 | | 1.35 Z | 15.71% | -1.65 Z | -19.31% | 3077.83万 | 3.60% | | 601665 齐鲁银行 | | 6627.67万 | 10.23% | -4361.83万 | -6.74% | -2265.83万 | -3.50% | | 001227 | 兰州银行 | 965.81万 | 5.77% | -405.00万 | -2.42% | -560.81万 | -3.35% | | 002966 苏州银行 | | 627.64万 | 2.50% | -581.69万 | -2.32% | -45.95万 | -0.18% | | 002936 ...