长江商报消息●长江商报记者 潘瑞冬 国有六大行2025年前三季度成绩单均已出炉。 整体看，作为服务实体经济的主力军和维护金融稳定的压舱石，工商银行（601398.SH）、建设银行 （601939.SH）、农业银行（601288.SH）、中国银行（601988.SH）、交通银行（601328.SH）、邮储银行 （601658.SH）六大行前三季度的营业收入和归母净利润均实现了同比正增长，合计实现盈利1.07万亿元。虽然整 个行业面临着息差收窄的挑战，但部分银行已经开始企稳。 与此同时，国有六大行的资产规模稳步增长，总资产约218万亿元，较2024年末增加超18万亿元。 并且，国有六大行资产质量整体改善，除了邮储银行外，其余五大行的不良贷款率均不同程度下降。邮储银行的 不良贷款率虽然较年初上升了4个基点（0.01个百分点为1基点），但仅为0.94%，不足1%，是六大行不良率最低 的银行。 9月底以来，农业银行的股价曾连续11个交易日上涨，10月28日股价创出历史新高的8.34元/股。拉长时间看，农业 银行的持续走强行情开启于2022年11月，从2023年初至今，农业银行的股价累计上涨258%；若只看2025年，该 ...

◎记者 张琼斯 近期，政策性金融机构国家开发银行、农业发展银行、进出口银行，"六大行"工商银行、农业银行、中 国银行、建设银行、交通银行、邮储银行，以及股份行兴业银行等多家银行召开党委（扩大）会议，传 达学习贯彻党的二十届四中全会精神。 多家银行表示：贯彻落实党的二十届四中全会精神，准确把握国家"十五五"时期的发展导向和重点任 务，科学谋划本行"十五五"时期的发展规划；深入践行金融工作的政治性、人民性，更好统筹发展和安 全，更好发挥服务实体经济主力军和维护金融稳定压舱石的作用。 更好服务实体经济和维护金融稳定 多家银行明确"十五五"金融工作发力点 作为唯一的农业政策性银行，农业发展银行明确，要深刻把握全会对经济社会和"三农"发展的部署要 求，全力支持国家粮食安全、巩固拓展脱贫攻坚成果、城乡融合发展、农村生态文明建设、区域协调发 展、农业新质生产力等重点领域。 锚定建设全球最好官方出口信用机构目标，进出口银行提出：深化政策性金融改革，更好统筹发展和安 全，持续提高经营管理的协同运行效率，不断增强抵御内外部风险的能力；以专业性、特色化金融服 务，促进贸易创新发展，支持拓展双向投资合作空间，推动高质量共建"一带一路 ...

转自：北京日报客户端 国有六大行2025年三季报近日全部出炉。综合来看，六大行集体交出稳健答卷，主要财务指标持续稳中 向好。 从盈利表现看，六大行前三季度合计盈利1.07万亿元，净利润全部实现正增长，业绩有所改善。各大银 行资产质量持续改善，为更好地服务实体经济奠定了坚实基础。 前三季净利超万亿元 前三季度，六大行营收、归母净利润全部恢复同比正增长，业绩表现有所改善。从净利润看，工商银 行、农业银行、建设银行、中国银行、邮储银行和交通银行分别实现归母净利润2699.08亿元、2208.59 亿元、2573.60亿元、1776.60亿元、765.62亿元和699.94亿元，同比增长0.33%、3.03%、0.62%、 1.08%、0.98%和1.9%。其中，农业银行的净利润增速最快。 六大行盈利表现较上半年有进一步改善，三季度表现贡献凸显。回顾今年上半年，六大行营收虽实现同 比正增长，但归母净利润"三升三降"。广泛的收入来源是盈利的基础，前三季度，中国银行、工商银行 营收增速分别以2.69%、2.17%领先；农业银行归母净利润增速来到3%以上，以3.03%增速继续领先， 交通银行、中国银行归母净利润同比增速在1 ...

以下文章来源于樱桃大房子 ，作者樱桃团队 樱桃大房子 . 把握楼市调控周期，精准抓住买卖房信号，跟着樱桃一起买大房子 作者：樱桃团队 来源：樱桃大房子 01 不知道大家有没有注意到，银保监出了个新的通知， 要求保险公司资本保证金要存放在净资产超过 300亿的银行 。我在wind搜了一下，符合条件的，大概就80家银行，占比仅2%。 -------------------------------- | 修改类型 | 旧办法(2015年) | 新办法(2025年) | | --- | --- | --- | | 存放银行 | 限于国有商业银行、股份制 | 取消类型限制,各类型商业银行(包括符合条 | | 类型 | 商业银行、邮政储蓄银行和 | 件的外资银行、港澳银行)均可作为存放银 | | | 城市商业银行。 | 行。 | | 存放银行 净资产要 | 上年末净资产不少于200亿 | 提高至上年末净资产不少于300亿元人民币。 | | 求 | 元人民币。 | | | 存放银行 | 资本充足率、不良资产率符 | 增加多项指标:资本充足率、不良贷款率、拨 | | 风险 点言 | 合规定。 | 备覆盖率、流动性比例等主要风 ...

Investment Rating - The industry rating is maintained as "Positive" [3] Core Views - The performance of listed banks in Q1-Q3 2025 shows resilience, with state-owned banks achieving positive results across the board, and the improvement in net interest margins for joint-stock and city commercial banks exceeding expectations [4] - The revenue growth rate for listed banks is stable at 0.9% year-on-year, while profit growth has increased to 1.6% [4] - The non-interest income growth rate for listed banks has narrowed, with a year-on-year increase of 5.0% [4] Summary by Sections Performance Overview - Listed banks' revenue growth is stable at 0.9%, and net profit growth has improved to 1.6% in Q1-Q3 2025, slightly slowing from H1 [4] - The net interest margin for listed banks has shown marginal improvement, with a quarterly increase of 0.3 basis points to 1.37% [4] Revenue and Profit Drivers - The asset scale growth for listed banks is 9.3% year-on-year, with a decrease in loan growth to 7.7% and an increase in financial investment growth to 15.8% [4][11] - The non-interest income growth rate has decreased by 2.0 percentage points compared to the previous quarter [4] Risk and Asset Quality - The average non-performing loan (NPL) ratio for 42 sample banks remains stable at 1.23%, while the average attention rate has increased by 2 basis points to 1.69% [5] - Retail loan risks continue to rise, with notable increases in NPL ratios for retail loans at certain banks [5] Dividend Trends - More banks have disclosed mid-term dividend plans for 2025, with some banks increasing their mid-term dividend rates compared to 2024 [6] Investment Recommendations - The report suggests that bank stocks may rebound in Q4, with a focus on small and medium-sized banks in economically developed regions and stable high-dividend large banks [6]

近日，六大国有银行2025年第三季度业绩报告全部披露完毕。整体来看，六家银行在资产规模、营业收入、净利润等方面均保持稳健增长，资产质量总体可 控，展现出较强的经营韧性。 据统计，2025年前三季度，六大行合计实现营业收入2.72万亿元，合计实现归母净利润1.07万亿元，以三个季度273天计算，合计日赚约39亿元。 | 营收净利均实现"双增"，农行净利增速居首 | | --- | | 银行名称 | 2025年前三季 营业收入(亿元) | 同比增幅(%) | 2025年前三季 归母净利润(亿元) | 同比增幅(%) | | --- | --- | --- | --- | --- | | 工商银行 | 6400.28 | 2.17 | 2699.08 | 0.33 | | 建设银行 | 5737.02 | 0.82 | 2573.60 | 0.62 | | 农业银行 | 5508.76 | 1.97 | 2208.59 | 3.03 | | 中国银行 | 4912.04 | 2.69 | 1776.60 | 1.08 | | 邮储银行 | 2650.80 | 1.82 | 765.62 | 0.98 | | 交通银 ...

Core Points - The China International Import Expo (CIIE) will introduce a "buy and refund immediately" centralized tax refund point for the first time, enhancing the exhibition experience for global exhibitors and foreign travelers through efficient tax refund services provided by the Bank of China [1][2] - The Bank of China has set up two centralized tax refund points at the expo, equipped with a multilingual professional service team to assist foreign travelers in completing the tax refund application process [1] - The centralized refund points will support various payment methods, including electronic refunds, catering to the personalized needs of foreign travelers [1][2] Group 1 - The Bank of China is the sole strategic partner for the CIIE, aiming to optimize the exhibition experience through financial services [1] - The centralized refund points are part of the Bank of China's efforts to implement the State Administration of Taxation's "buy and refund immediately" policy [1] - The service team at the refund points will provide assistance in multiple languages, including English, Japanese, and Korean [1] Group 2 - The Bank of China is collaborating with the Shanghai Municipal Commission of Commerce to support the "Shanghai Welcomes CIIE Consumption Carnival" and promote local tax refund merchants [2] - The establishment of the centralized refund points extends the "buy and refund immediately" service network, creating a one-stop shopping and tax refund experience for exhibitors and travelers [2] - The Bank of China plans to leverage its nearly ten years of experience in the tax refund sector to provide a convenient and efficient consumer experience for inbound travelers [2]

Core Viewpoint - The latest holdings of the "national team" in A-share listed companies have been revealed, with significant investments in major financial institutions and other sectors, indicating a strategic focus on stability and growth in the market [1][2]. Group 1: National Team Holdings - A total of 233 A-share listed companies have the "national team" (China Securities Finance Corporation and Central Huijin) among their top ten shareholders [1]. - There are 30 stocks with a holding value exceeding 10 billion yuan, including major banks like China Construction Bank, Agricultural Bank of China, and Bank of China, with holdings valued at 1.3288 trillion yuan, 1.1429 trillion yuan, and 1.1138 trillion yuan respectively [1][2]. - The top holdings also include companies from various sectors such as insurance, food and beverage, and energy, showcasing a diversified investment strategy [1][2]. Group 2: New Additions and Performance - Farah Electronics has been newly added to the "national team" holdings, with a market value of 158 million yuan [3]. - For the third quarter, Farah Electronics reported a revenue of 3.944 billion yuan, a year-on-year increase of 14.69%, and a net profit of 888 million yuan, also up by 14.58% [3]. - The company’s capacitor products are utilized in ultra-high voltage transmission applications, indicating a focus on high-demand technology sectors [3].

Core Insights - The latest holdings of the "national team" in A-share listed companies have been revealed, with 233 companies having the "national team" as one of their top ten shareholders [1][2] - In the third quarter, the "national team" held over 10 billion yuan in market value in 30 stocks, including major banks and insurance companies [1] Group 1: Major Holdings - The top three holdings by market value are: - China Construction Bank: 13,288.15 billion yuan - Agricultural Bank of China: 11,429.52 billion yuan - Bank of China: 11,138.27 billion yuan [1] - Other significant holdings include: - Industrial and Commercial Bank of China: 9,914.42 billion yuan - New China Life Insurance: 751.22 billion yuan - Ping An Insurance: 734.02 billion yuan [1][2] Group 2: New Additions - Farah Electronics is a new addition to the "national team" holdings, with a market value of 1.58 billion yuan [2] - The company reported a revenue of 3.944 billion yuan for the first three quarters, a year-on-year increase of 14.69%, and a net profit of 888 million yuan, also up 14.58% [2] - In the third quarter alone, Farah Electronics achieved a revenue of 1.445 billion yuan, reflecting a year-on-year growth of 9.31% [2]

Group 1 - The 2025 Zhenjiang Science and Technology Finance Matching Conference was successfully held, focusing on "Innovation Leading, Financial Empowerment" [1] - The event aimed to create a platform for technology talent, projects, and enterprises to connect with financial institutions, facilitating a green channel for technology SMEs to access capital [1][2] - The local government has implemented the "876" innovation leading project, establishing a risk compensation fund of 240 million yuan to support technology financial products [2] Group 2 - A total of 47 technology financial products were launched during the event, with significant participation from various banks and insurance companies [3] - The cooperation between technology enterprises and financial institutions is expected to enhance R&D, capacity expansion, and talent acquisition, potentially doubling revenues in emerging fields [4] - Insurance institutions are playing a crucial role in alleviating financing difficulties for technology enterprises by providing credit enhancement through a government-bank-insurance risk-sharing mechanism [5] Group 3 - The city aims to optimize technology financial products and develop a comprehensive investment and financing service system covering the entire lifecycle of technology enterprises [5][6] - The focus is on creating a financial ecosystem that encourages early, small, and long-term investments in technology innovation [5][6]