Group 1: Overall Asset Quality - As of August 31, 2023, the asset quality of 42 listed banks in A-shares shows a stable improvement, with some banks experiencing a slight increase in non-performing loan (NPL) ratios compared to the end of the previous year [1] - The overall NPL ratio for commercial banks was 1.49% at the end of Q2 2023, improving by 0.02 percentage points from the end of Q1 [3] - The provision coverage ratio for state-owned banks and rural commercial banks increased to 249.16% and 161.87%, respectively, while the ratios for joint-stock banks and city commercial banks decreased [4] Group 2: Non-Performing Loan Trends - The NPL ratio for corporate loans is improving, while the NPL ratio for retail loans is on the rise, indicating a structural change in asset quality [5][6] - For example, Industrial and Commercial Bank of China (ICBC) reported a decrease in corporate loan NPL ratio from 1.58% to 1.47%, while the personal loan NPL ratio increased from 1.15% to 1.35% [5] - The rise in retail loan NPLs is attributed to factors such as market conditions, increased flexible employment, and changes in industry environments affecting borrower income [6] Group 3: Real Estate Loan Performance - The real estate sector remains a significant source of NPLs, with some banks reporting an increase in real estate loan NPL ratios, while others have seen improvements [7][8] - For instance, Qingnong Commercial Bank's real estate NPL ratio rose to 21.32%, an increase of 14.15 percentage points from the end of the previous year [7] - The overall decline in real estate sales and the high leverage of real estate companies are fundamental reasons for the rising NPL ratios in this sector [8]

证券代码：601838 证券简称：成都银行 公告编号：2025-055 成都银行股份有限公司 关于实际控制人控制的股东增持计划进展公告 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： 已披露增持计划情况 1 为 8,700.10 万元（含本次增持计划的首次增持，下同）。目前成都产 业资本集团的持股数量为 247,657,086 股，持股比例为 5.8431%。2025 年 8 月 27 日至 2025 年 9 月 4 日期间，成都欣天颐通过上海证券交易 所交易系统以集中竞价的方式累计增持成都银行股份 4,364,492 股， 占成都银行股份总数的比例为 0.1030%，累计增持金额为 7,959.35 万 元。目前成都欣天颐的持股数量为 165,298,490 股，持股比例为 3.9000%。本次增持计划尚未实施完毕，成都产业资本集团、成都欣 天颐将按照增持计划以自有资金继续增持成都银行股份。 增持计划无法实施风险 本次增持计划实施可能存在因资本市场情况发生变化或目前尚 无法预判的因素，导致增持计划无法继续实 ...

证券代码：601838 证券简称：成都银行 公告编号：2025-053 成都银行股份有限公司 第八届董事会第十八次（临时）会议决议公告 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。 成都银行股份有限公司（以下简称"本公司"）于 2025 年 9 月 4 日以电子邮件及书面方式向全体董事发出关于召开董事会会议的通 知和材料，本公司第八届董事会第十八次（临时）会议于 2025 年 9 月 4 日在本公司总部 5 楼 1 号会议室以现场结合视频方式召开。本次 会议应出席有表决权董事 11 名，徐登义、余力、马骁 3 名董事现场 出席，王永强、郭令海、付剑峰、马晓峰、陈存泰、龙文彬、顾培东、 余海宗 8 名董事通过视频连线方式参加会议。会议由副董事长、行长 徐登义主持。党委书记黄建军、丰隆银行提名董事人选张育鸣、4 名 监事以及本公司部分高级管理人员等列席会议。会议的召开符合《中 华人民共和国公司法》《中华人民共和国证券法》等法律、行政法规、 部门规章、规范性文件及《成都银行股份有限公司章程》的有关规定。 会议所形成的决议合法、有 ...

Core Viewpoint - The announcement details the retirement of Ho Wai Choong, the Vice Chairman of Chengdu Bank, effective September 4, 2025, and highlights his contributions during his tenure [1][2]. Group 1: Director Departure - Ho Wai Choong submitted his resignation to the board, resigning from multiple positions including Vice Chairman and various committee roles, effective September 4, 2025 [1]. - His resignation will not lead to a decrease in the number of board members below the legal requirement, ensuring the board's normal operation [1]. - Ho Wai Choong confirmed there are no disagreements with the board regarding his resignation and no outstanding commitments [1]. Group 2: Contributions and Impact - Ho Wai Choong has served as Vice Chairman since June 2008, demonstrating high professional ethics and a meticulous work style [2]. - He played a crucial role in facilitating cooperation between Chengdu Bank and its strategic investor, Hong Leong Bank, enhancing business collaboration and resource sharing [2]. - His expertise in international banking management significantly contributed to the bank's digital capabilities and risk management improvements [2]. - The board expressed full recognition and gratitude for his efforts and contributions during his tenure [2].

本次增持计划尚未实施完毕，成都产业资本集团、成都欣天颐将按照增持计划以自有资金继续增持成都 银行股份。 格隆汇9月4日丨成都银行(601838.SH)公布，2025年8月27日至2025年9月4日期间，成都产业资本集团通 过上海证券交易所交易系统以集中竞价的方式累计增持成都银行股份4,775,500股，占成都银行股份总数 的比例为0.1127%，累计增持金额为8,700.10万元（含本次增持计划的首次增持，下同）。目前成都产 业资本集团的持股数量为247,657,086股，持股比例为5.8431%。 2025年8月27日至2025年9月4日期间，成都欣天颐通过上海证券交易所交易系统以集中竞价的方式累计 增持成都银行股份4,364,492股，占成都银行股份总数的比例为0.1030%，累计增持金额为7,959.35万 元。目前成都欣天颐的持股数量为165,298,490股，持股比例为3.9000%。 ...

二、本次会议审议通过的《关于提名黄建军先生为成都 银行股份有限公司第八届董事会非独立董事候选人的议案》 《关于提名张育鸣先生为成都银行股份有限公司第八届董 成都银行股份有限公司独立董事关于第八届董事会 第十八次（临时）会议相关事项的独立意见 根据《中华人民共和国公司法》《上市公司治理准则》 《上市公司独立董事管理办法》《上海证券交易所股票上市 规则》《上海证券交易所上市公司自律监管指引第 1 号—— 规范运作》及《成都银行股份有限公司章程》（以下简称"《公 司章程》"）等相关规定，作为成都银行股份有限公司（以 下简称"公司"）的独立董事，在认真审阅黄建军先生、Teoh Yih Min （张育鸣）先生的个人简历等资料并认真审查提名 程序、听取公司董事会说明的基础上，基于客观独立判断的 立场，就提名黄建军先生、张育鸣先生为第八届董事会非独 立董事候选人事宜发表如下独立意见： 一、本次黄建军先生、张育鸣先生的提名符合有关法律 法规及《公司章程》的要求，提名程序合法有效； 四、同意提名黄建军先生、张育鸣先生为本公司第八届 董事会非独立董事候选人，同意将其提交股东大会选举。 独立董事：陈存泰、龙文彬、顾培东、马骁、余海 ...

重要内容提示： 成都银行股份有限公司（以下简称"本公司"）副董事长 Ho Wai Choong（何 维忠）先生因退休于近日向本公司董事会提交书面辞呈，申请辞去本公司副董事 长、董事、董事会风险管理委员会主任及委员、董事会战略发展委员会委员、董 事会关联交易控制与审计委员会委员、董事会薪酬与考核委员会委员、董事会授 信审批特别授权委员会委员职务，自 2025 年 9 月 4 日起生效。何维忠先生辞任 后，不再担任本公司任何职务。 姓名 离任职务 离任时间 原定任期 到期日 离任原因 是否继续 在上市公 司及其控 股子公司 任职 是否存在 未履行完 毕的公开 承诺 Ho Wai Choong （何维忠） 副董事长 董事 董事会 风险管理委员会 主任及委员 2025年9月4 日 2027 年 6 月 11 日 退休 否 否 一、董事离任情况 证券代码：601838 证券简称：成都银行 公告编号：2025-054 成都银行股份有限公司 关于副董事长退休离任的公告 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。 经何维忠先生确认，其与本 ...

Investment Rating - The report indicates a positive outlook for the banking industry, with overall revenue and net profit growth rates turning positive in the first half of 2025, at 1.0% and 0.8% respectively, showing improvements from the previous quarter [4]. Core Insights - The banking sector's net interest margin for the first half of 2025 is reported at 1.42%, a decrease of 10 basis points compared to the previous year, but the decline is narrowing due to improved cost management on the liability side [5]. - Non-interest income, particularly from fees and commissions, has increased by 3.1% year-on-year, driven by a recovery in wealth management and a more active market environment [5]. - The asset quality remains stable, with a non-performing loan ratio of 1.23% and a provision coverage ratio of 239%, indicating a solid credit environment [5]. Summary by Sections Financial Performance Overview - The overall revenue and net profit growth for listed banks in the first half of 2025 were 1.0% and 0.8%, respectively, with both metrics showing improvement from the first quarter [4][22]. - The total assets of listed banks reached 321.3 trillion yuan, growing by 6.35% year-to-date, with loans and advances totaling 179.4 trillion yuan, accounting for 55.84% of total assets [21][24]. Income Sources - Net interest income decreased by 1.3% year-on-year, but the decline rate has slowed, reflecting better management of funding costs [5]. - Fee and commission income grew by 3.1% year-on-year, benefiting from a recovering market and the gradual impact of regulatory changes [5]. - Other non-interest income saw a significant increase of 10.7%, primarily due to favorable market conditions in the bond market [5]. Asset Quality and Management - The non-performing loan ratio remained stable at 1.23%, with a provision coverage ratio of 239%, indicating a robust asset quality [5]. - The credit cost for the first half of 2025 was 0.81%, a decrease of 5 basis points year-on-year, suggesting manageable credit risks [5]. Loan Growth and Composition - Loan growth was primarily driven by corporate lending, with significant contributions from infrastructure and manufacturing sectors [20]. - Personal loan growth was weaker, with a year-on-year increase of only 3.6%, reflecting a cautious approach to consumer lending amid rising risks [20]. Investment and Market Conditions - The investment asset proportion decreased to 34% as banks adjusted their strategies in response to market volatility [20]. - The overall yield on bonds fluctuated significantly, prompting banks to engage in tactical trading to enhance returns [20].

Group 1 - Qingdao Bank announced that its shareholder Guoxin Chanquan Holdings plans to increase its stake through secondary market transactions, aiming for a total holding of 19.00% to 19.99% after the increase, with a minimum of 233 million shares and a maximum of 291 million shares to be acquired within six months [1] - Nanjing Bank's major shareholder, Nanjing Gaoke, increased its stake by 7.51 million shares, raising its holding from 8.94% to 9.00%, reflecting confidence in the bank's future development [2] - Shanghai Bank reported that ten directors and senior management purchased a total of 440,000 shares, with a total investment estimated between 4.60 million to 4.70 million yuan, indicating strong internal confidence in the bank's value [3] Group 2 - Suzhou Bank's major shareholder, Guofazhong Group, completed its share increase plan, acquiring 118 million shares for a total investment of 856 million yuan, based on confidence in the bank's long-term value [4] - Chengdu Bank adjusted its share increase plan due to rising stock prices, with a new plan to invest between 700 million to 1.4 billion yuan without a price cap, reflecting ongoing confidence in the bank's future [5] - Huaxia Bank announced a plan for its directors and senior management to voluntarily increase their holdings by at least 30 million yuan, demonstrating confidence in the bank's long-term investment value [6] Group 3 - The trend of share increases among banks is concentrated when valuations are at historical lows, indicating a strong internal belief in long-term value [4] - Analysts noted that the banking sector's profitability is stabilizing, with expectations for continued growth in earnings, suggesting a favorable investment environment for bank stocks [6]

Group 1 - The A-share market experienced a widespread decline in bank stocks, with several banks falling over 2% and others dropping more than 1% [1][2] - Notable declines included Ningbo Bank and Qingnong Commercial Bank, which fell by 2.10% and 2.07% respectively, while Zhengzhou Bank and Chengdu Bank also saw significant decreases [2] - The total market capitalization of Ningbo Bank is 187.3 billion, and Qingnong Commercial Bank stands at 18.4 billion, indicating their substantial presence in the market despite recent declines [2] Group 2 - Year-to-date performance shows that Ningbo Bank has increased by 20.59%, while Qingnong Commercial Bank has risen by 12.36%, suggesting a strong performance prior to the recent downturn [2] - Other banks such as Hu'nong Commercial Bank and Hangzhou Bank have also shown positive year-to-date growth, with increases of 6.93% and 9.23% respectively [2] - The overall trend indicates a challenging environment for bank stocks in the A-share market, with multiple institutions facing downward pressure [1][2]