（原标题：中国银行东莞分行引金融活水助力"百千万工程"） 南方财经记者程浩 实习生付维希 东莞报道 今年是广东省"百千万工程"三年初见成效之年，中国银行东莞分行（下称"东莞中行"）通过多措并举持 续强化"百千万工程"金融要素保障，提升金融服务乡村振兴质效。截至2025年7月末，东莞中行涉农贷 款余额213亿元，较上年新增超30亿元，以金融活水精准浇灌莞邑乡村振兴发展沃土。 与此同时，东莞中行通过优化供给，提升涉农服务能力。一方面，聚焦地方产业特色，东莞中行持续丰 富涉农产品服务，创新推出"百千万工程"贷"海洋牧场贷""岭南特色农产品贷"等专属产品，精准对接不 同涉农经营主体的差异化融资需求。另一方面，积极运用互联网、大数据等科技手段，持续优化"益农 快贷""惠农贷"等线上信用贷款产品，实现"数据多跑路，农户少跑腿"。 东莞中行积极发挥金融桥梁作用，助力涉农政策落地见效。今年2月，东莞中行携手东莞市农业农村局 和东莞市科创融资担保有限公司，成功落地全省系统内首笔农业"政银保"模式项下涉农贷款，有效降低 涉农企业融资门槛。截至今年7月末，东莞中行累计落地农业"政银保"模式项下涉农贷款9笔、授信金额 2500万元， ...

Core Insights - The article highlights the efforts made by Tianjin's financial system to enhance payment services for foreign visitors in preparation for the Shanghai Cooperation Organization summit in 2025 [1][2][10] Payment Infrastructure Enhancements - Tianjin has upgraded payment environments across 80 subway stations, allowing foreign visitors to use major international cards like Visa and MasterCard for ticket purchases [2] - The city has established 20,000 merchants accepting foreign cards and 4,765 self-service devices for foreign card transactions [1] - A total of 1,570 bank branches support foreign currency exchange, with 65 points specifically for currency exchange [1] Currency Exchange Services - The People's Bank of China (PBOC) in Tianjin has set up dual currency exchange points at the Tianjin Binhai International Airport, offering services for 23 currencies [3] - Over 60 star-rated hotels and key tourist locations have been equipped with foreign currency exchange facilities [3] - A bilingual query map has been launched to help both foreign visitors and locals find currency exchange points and ATMs [3] Technological Innovations - Tianjin banks have introduced apps that support multiple languages and provide features like currency exchange and account management [4] - The city has launched electronic wallet services for visitors from Kazakhstan and Pakistan, expanding the range of payment options available [5] Mobile Payment Growth - In the first half of the year, Tianjin processed 1.11 million mobile payment transactions for foreign visitors, amounting to 140 million yuan, reflecting a year-on-year growth of 78% and 81% respectively [6] Cash Management and Accessibility - Banks in Tianjin have introduced "零钱包" (small change bags) with various denominations to facilitate cash transactions in key areas [7] - The PBOC has allocated 172 billion yuan in cash issuance funds to ensure sufficient cash availability during the summit [8] Customer Service Enhancements - Banks have established dedicated service points for foreign visitors, providing multilingual support and simplifying account opening processes [9][10] - A new simplified account opening process for foreign visitors has been implemented across 244 key bank branches in Tianjin [10]

在资产质量方面，截至报告期末，该行资产质量保持稳定。6月末集团不良贷款率1.24%，较年初 下降0.01个百分点；不良贷款拨备覆盖率197.39%。 本报讯 记者赵萌报道 近日，中国银行公布了2025年上半年业绩报告，报告期内，该行实现营业收 入3294亿元，同比增长3.61%，其中手续费净收入同比增长9.17%；实现税后利润1261亿元、该行股东 应享税后利润1176亿元，同比保持平稳且变动趋势较一季度改善。该行净息差1.26%，平均总资产回报 率（ROA）0.70%，净资产收益率（ROE）9.11%，成本收入比25.11%，均保持在合理区间。 截至报告期末，中国银行资产总额36.79万亿元，比上年末增长4.93%。贷款和债券投资等高收益资 产占比提升2.32个百分点。负债总额33.66万亿元，比上年末增长4.85%。客户存款占负债比重提升0.78 个百分点。全量对公客户数、全量个人客户数、个人客户全量金融资产等业务规模稳步提升。客户结构 优化，公司中型授信客户数比上年末增长13.48%，个人中高端客户占比提升0.16个百分点。 责任编辑：杨喜亭 ...

Core Viewpoint - The six major state-owned banks in China reported mixed financial results for the first half of 2025, with total operating income of approximately 1.83 trillion yuan and net profit attributable to shareholders of about 682.52 billion yuan, indicating a daily profit of around 3.73 billion yuan [1] Financial Performance Summary - The Industrial and Commercial Bank of China (ICBC) remains the most profitable, with operating income of 427.09 billion yuan, a year-on-year increase of 1.6%, but a net profit decline of 1.39% to 168.10 billion yuan [1][6] - Agricultural Bank, Bank of Communications, and Postal Savings Bank achieved both revenue and profit growth, while ICBC, China Bank, and Construction Bank experienced revenue growth without profit increases [1] - Total proposed dividends from the six banks exceed 200 billion yuan, with ICBC proposing 50.40 billion yuan, Construction Bank 48.61 billion yuan, Agricultural Bank 41.82 billion yuan, China Bank 35.25 billion yuan, Postal Savings Bank 14.77 billion yuan, and Bank of Communications 13.81 billion yuan [1] Market Performance - In the secondary market, five of the six major banks saw stock price increases this year, with Agricultural Bank's stock rising nearly 40%, surpassing ICBC to become the "A-share market capitalization champion" [2][3] Profitability Analysis - Agricultural Bank reported the highest net profit growth among the six banks, with a net profit increase of 2.66% to 139.51 billion yuan [4] - Bank of Communications and Postal Savings Bank also reported revenue and profit growth, with net profits of 46.02 billion yuan and 49.23 billion yuan, respectively [5] - In contrast, ICBC, China Bank, and Construction Bank faced profit declines despite revenue growth, with net profits of 168.10 billion yuan, 117.59 billion yuan, and 162.08 billion yuan, respectively [6] Interest Income and Fee Income - Only Bank of Communications saw an increase in net interest income, which rose by 1.20% to 85.25 billion yuan, while the other banks experienced declines in this area [6] - Fee and commission income showed mixed results, with Agricultural Bank, China Bank, Construction Bank, and Postal Savings Bank achieving positive growth, while ICBC and Bank of Communications reported declines [9][10] Net Interest Margin Trends - As of June 2025, Postal Savings Bank had the highest net interest margin at 1.70%, while China Bank and Bank of Communications fell below 1.3% [12] - Management from various banks indicated that net interest margins are stabilizing, with expectations of a gradual recovery in the second half of the year due to rising credit demand [13] Deposit Trends - The trend of increasing time deposits continues, with Agricultural Bank reporting a decrease in the proportion of demand deposits to 40.0% and Bank of Communications reporting a decrease to 31.27% [14]

Core Viewpoint - The trend of deposit "migration" is emerging, with residents shifting their bank deposits towards funds and wealth management products, as indicated by multiple brokerage reports. Despite an increase in total deposits, there are signs of funds flowing into the wealth management market, leading to significant growth in wealth management income for several banks [2][3][4]. Group 1: Deposit Trends - In the first half of the year, the total deposit balance of 13 major commercial banks reached 187.4 trillion yuan, an increase of 13.78 trillion yuan year-on-year, with personal deposits totaling 112.07 trillion yuan, up 11.9 trillion yuan year-on-year [3]. - The trend of deposit regularization continues, with the proportion of time deposits among these banks at approximately 59.7%, an increase from 58.48% in the previous year [8][9]. - However, in July, new deposits from households decreased by 1.1 trillion yuan, indicating a potential shift in deposit behavior [4]. Group 2: Wealth Management Growth - The wealth management business of banks is expanding, with significant growth in income from wealth management services. For example, Agricultural Bank's agency business income grew by 62.3% in the first half of the year [4][5]. - The total scale of bank wealth management products reached 30.67 trillion yuan by the end of June, with an estimated increase to 32.67 trillion yuan by the end of July [4][10]. Group 3: Cost of Deposits - The average cost of deposits for the 13 banks was 1.61% in the first half of 2025, a decrease of 34 basis points compared to the same period in 2024 [10]. - The decline in deposit rates is expected to improve the cost of liabilities for banks, with projections indicating a reduction in costs for various types of banks in the coming years [10][11]. Group 4: Net Interest Margin - The net interest margin for commercial banks continued to narrow, reaching 1.42% in the second quarter of 2025, reflecting ongoing pressure on banks' profitability [12][13]. - Most banks reported a decline in net interest margins, with the average margin for the 13 banks at 1.5%, down 12 basis points year-on-year [13][15].

2025.09. 01 第一财经还注意到，上半年存款定期化趋势依然存在。但业内认为，随着存款利率持续走低，加上定 存集中到期重定价，银行负债端成本有望较大幅度改善。Choice数据显示，今年上半年，上述13家 银行的存款平均成本率为1.61%，较2024年上半年下降34BP（基点）。 尽管如此，多数银行净息差仍存在压力。根据国家金融监督管理总局数据，2025年第二季度商业银 行净息差环比继续收窄，已降至1.42%。近期中期业绩发布会上，多家大行提及，主要是受LPR（贷 款市场报价利率）下调、存量房贷利率调整等因素影响。 银行存款是否"分流"？ 中国银河证券研究院在研报中表示，存款搬家是居民将银行存款转移到其他资产的过程，因此一要看 到存款下降，二要看到存款流向其他资产。 今年上半年，国内大行的存款是否出现下降？在财报中，并未有明显信号。 本文字数：3300，阅读时长大约5.5分钟 作者 | 第一财经 王方然 近期存款"搬家"声浪渐起，多份券商研报称，居民存款正持续向基金、理财等资管产品转移。 从最新财报来看，今年上半年，大行负债端仍"按兵不动"，13家主要商业银行个人存款余额合计为 112.07万亿元，同比增 ...

Core Insights - The company achieved a revenue of 329 billion yuan in the first half of 2025, representing a year-on-year growth of 3.8%, with an acceleration of 1.2 percentage points compared to the first quarter and an increase of 2.6 percentage points compared to the full year of 2024 [1] - The net profit attributable to shareholders was 117.6 billion yuan, showing a slight decline of 0.9% year-on-year, but the decline narrowed by 2.1 percentage points compared to the first quarter [1] - The annualized average return on total assets (ROA) was 0.70%, and the return on equity (ROE) was 9.11% [1] Revenue and Profit Analysis - Net interest income decreased by 5.3% year-on-year, with the decline expanding by 0.8 percentage points compared to the first quarter [1] - Non-interest income showed strong performance, with fee income increasing by 9.2% year-on-year and other non-interest income rising by 42%, with respective growth rates improving by 7.1 and 4.7 percentage points compared to the first quarter [1] - Non-interest income accounted for 34.7% of total revenue, up 6.2 percentage points year-on-year [1] Asset and Liability Overview - Total assets reached 36.79 trillion yuan, with loans and deposits at 23.01 trillion yuan and 25.77 trillion yuan, respectively, reflecting year-on-year growth of 8.5%, 9.1%, and 8.5% [2] - The net interest margin was reported at 1.26%, down 18 basis points year-on-year, with a slight decline of 3 basis points compared to the first quarter [2] - The yield on interest-earning assets decreased by 48 basis points to 2.96%, while the interest rate on interest-bearing liabilities fell by 33 basis points to 1.86% [2] Asset Quality Assessment - The non-performing loan (NPL) ratio stood at 1.24% at the end of June 2025, down 1 basis point from March [3] - The annualized NPL generation rate, after write-offs, was 0.62%, up 15 basis points year-on-year, with retail NPLs continuing to show exposure [3] - The provision coverage ratio was 198%, down 0.6 percentage points from March and 3.2 percentage points from the beginning of the year [3] Investment Outlook - The company's overall performance is in line with expectations, with profit forecasts for 2025-2027 set at 241.6 billion, 249.4 billion, and 267.3 billion yuan, reflecting year-on-year growth rates of 1.6%, 3.2%, and 7.2% respectively [3] - The diluted EPS is projected to be 0.78, 0.80, and 0.86 yuan for the respective years, with current stock prices corresponding to PE ratios of 7.2, 7.0, and 6.5 times, and PB ratios of 0.64, 0.60, and 0.56 times [3]

每经记者|赵景致 上海楼市"825新政"出台后，8月29日晚间，已有中国银行、农业银行、建设银行、招商银行、平安银 行、光大银行、北京银行、江苏银行、南京银行、大连银行等多家银行上海市分行发布《关于优化调整 商业性个人住房贷款利率定价机制的公告》。 记者注意到，各家银行在利率定价机制安排方面，均不再区分首套住房和二套住房。每位客户商业性个 人住房贷款的具体利率水平，将根据上海市市场利率定价自律机制要求，并结合银行经营状况、客户风 险状况等因素合理确定。 "银行可根据自身经营和客户风险状况确定具体利率，赋予了银行一定的自主定价权，有助于银行根据 实际情况灵活调整策略，优化信贷资源配置，同时也能更精准地评估风险、提高风险管理水平。"8月30 日，上海易居研究院副院长严跃进接受《每日经济新闻》记者微信采访时表示。 在8月25日上海六部门联合印发《关于优化调整本市房地产政策措施的通知》（以下简称《通知》） 后，多家银行上海市分行29日晚间便出台了优化调整商业性个人住房贷款利率定价机制的细则公告。 以工商银行为例，该行表示，为贯彻落实《通知》精神，切实做好该行商业性个人住房贷款利率优化调 整工作，一是在利率定价机制安排 ...

国有六大行2025年上半年合计日赚37.7亿元。 国有六大银行（工商银行、农业银行、中国银行、建设银行、邮储银行和交通银行）已经交齐2025年上半年成绩单：合计实现归属于股东的净利 润（下同）6825.24亿元。 今年上半年，六家大行营业收入均实现了增长，而2024年全年有2家大行营收同比下降。 资产质量上，2005年上半年国有六大行的不良贷款余额集体走高，除邮储银行外，5家国有大行不良率小幅回落。 3家大行净利润同比下降 2025年上半年，国有六大行中，3家净利润同比下降，营业收入集体恢复增长。 作为按揭贷款投放主力军的国有大行，2025年上半年个人住房贷款的不良率继续集体走高。 | 国有六大行 | 截至2025年6月末 资产总额(亿元) | 2025年上半年归母 | 2025年上半年 | 2025年上半年 | 2025年上半年 | | --- | --- | --- | --- | --- | --- | | | | 净利润(亿元) | 净利润增速 | 营业收入(亿元) | 营业收入增速 | | 工商银行 | 523179.31 | | 1681.03 同比下降1.4% | | 4270.92 同比增长1 ...

| 单位:万亿元 | 贷款余额 | 个人贷款 | 个人住房贷款 | 个人贷款占 | 个人住房贷款占 | | --- | --- | --- | --- | --- | --- | | | | 余额 | 余额 | 全部贷款比 | 全部贷款比 | | 工商银行 | 28. 37 | 8.96 | 6.08 | 31.57% | 21. 44% | | 建设银行 | 25. 84 | 8.87 | 6. 19 | 34. 33% | 23.94% | | 农业银行 | 24. 86 | 8.81 | 4.98 | 35.46% | 20. 05% | | 中国银行 | 21. 54 | 6.03 | 4.09 | 28.00% | 18. 98% | | 邮储银行 | 8.91 | 4.77 | 2. 38 | 53.53% | 26.73% | | 交通银行 | 8.56 | 2.75 | 1.47 | 32. 17% | 17.14% | 2024 年末，六大行住房贷款余额及占比如下表（单位：万亿元）： 相信很多人已经体会到房价出现了低迷，《 多个省份的房价已经回到了8 年 前 》一文也通过对国 家统计局公布的 ...