证券代码：601997 证券简称：贵阳银行 公告编号：2025-041 优先股代码：360031 优先股简称：贵银优 1 贵阳银行股份有限公司 关联交易事项的公告 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： 交易内容： 贵阳银行股份有限公司（以下简称公司）第六届董事会 2025 年 度第六次临时会议审议通过了《关于对贵州能源集团有限公司关联授 信的议案》，拟授予贵州能源集团有限公司（以下简称贵州能源集团） 综合授信 17.25 亿元，授信到期日为董事会审议通过之日起满五年， 授信用途：中期营运资金贷款、银行承兑汇票。 公司本次与贵州能源集团发生的关联交易构成国家金融监督 管理总局口径的重大关联交易，本次关联交易应提交董事会审议并及 时公告，无需提交股东大会审议。 本次关联交易属于公司正常授信业务，对公司的正常经营活动 及财务状况不构成重大影响。 一、关联交易概述 公司拟授予贵州能源集团综合授信 17.25 亿元，授信到期日为董 -1- 事会审议通过之日起满五年，统一授信用途：中期营运资金贷款、银 行承兑汇 ...

会议对如下议案进行了审议并表决： 一、审议通过了《关于审议<贵阳银行股份有限公司数字化转型 规划（2026-2030 年）>的议案》 证券代码：601997 证券简称：贵阳银行 公告编号：2025-040 优先股代码：360031 优先股简称：贵银优 1 贵阳银行股份有限公司第六届监事会 2025 年度第六次临时会议决议公告 本公司监事会及全体监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。 贵阳银行股份有限公司(以下简称公司) 第六届监事会2025年度 第六次临时会议以书面传签表决方式召开，决议表决截止日为 2025 年 9 月 23 日。会议通知已于 2025 年 9 月 18 日以直接送达或电子邮 件方式发出。本次会议应参与表决监事 5 名，实际参与表决监事 5 名。 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《公司章程》的有关规 定。会议所形成的决议合法、有效。 2025 年 9 月 23 日 表决结果：5 票赞成，0 票反对，0 票弃权。 二、审议通过了《关于对贵州能源集团 ...

证券代码：601997 证券简称：贵阳银行 公告编号：2025-039 优先股代码：360031 优先股简称：贵银优 1 表决结果：赞成 10 票，反对 0 票，弃权 0 票。 - 1 - 本议案已经独立董事专门会议审议通过。 公司独立董事就本议案发表的独立意见为同意。 贵阳银行股份有限公司第六届董事会 2025 年度第六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。 贵阳银行股份有限公司(以下简称公司) 第六届董事会2025年度 第六次临时会议以书面传签表决方式召开，决议表决截止日为 2025 年 9 月 23 日。会议通知已于 2025 年 9 月 18 日以直接送达或电子邮 件方式发出。本次会议应参与表决董事 10 名，实际参与表决董事 10 名。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《公司章程》的 有关规定。会议所形成的决议合法、有效。 会议对如下议案进行了审议并表决： 一、审议通过了《关于审议<贵阳银行股份有限公司数字化转型 规划 ...

Core Points - The Shanghai Composite Index is currently at 3791.74 points, with a decline of 0.96%, and the total trading volume of A-shares is 20,625.52 billion yuan [1] - A total of 17 A-shares have surpassed their annual line today, with notable stocks showing significant deviation rates, including Jinfu Technology, Xinhua Jin, and Nanjing Bank, with deviation rates of 7.49%, 3.74%, and 3.17% respectively [1] Summary by Category Stock Performance - Jinfu Technology (300128) has increased by 8.01% with a turnover rate of 12.11%, latest price at 5.80 yuan, and a deviation rate of 7.49% [1] - Xinhua Jin (600735) has risen by 10.07% with a turnover rate of 10.26%, latest price at 6.23 yuan, and a deviation rate of 3.74% [1] - Nanjing Bank (601009) has seen a 4.78% increase with a turnover rate of 1.09%, latest price at 10.96 yuan, and a deviation rate of 3.17% [1] Other Notable Stocks - Tiancheng Automation (603085) has increased by 4.33% with a turnover rate of 8.71%, latest price at 11.08 yuan, and a deviation rate of 2.39% [1] - Shanghai Lingang (600848) has risen by 2.74% with a turnover rate of 0.98%, latest price at 9.74 yuan, and a deviation rate of 2.04% [1] - Qilu Bank (601665) has increased by 2.84% with a turnover rate of 2.25%, latest price at 5.80 yuan, and a deviation rate of 1.68% [1]

9月22日，贵阳银行跌0.85%，成交额1.43亿元。两融数据显示，当日贵阳银行获融资买入额1736.52万 元，融资偿还1613.76万元，融资净买入122.76万元。截至9月22日，贵阳银行融资融券余额合计20.13亿 元。 融资方面，贵阳银行当日融资买入1736.52万元。当前融资余额20.07亿元，占流通市值的9.45%，融资 余额超过近一年90%分位水平，处于高位。 融券方面，贵阳银行9月22日融券偿还1700.00股，融券卖出300.00股，按当日收盘价计算，卖出金额 1743.00元；融券余量103.16万股，融券余额599.36万元，超过近一年80%分位水平，处于高位。 资料显示，贵阳银行股份有限公司位于贵州省贵阳市观山湖区长岭北路中天·会展城B区金融商务区东区 1-6栋，成立日期1997年4月9日，上市日期2016年8月16日，公司主营业务涉及公司金融业务、个人金融 业务、资金业务及其他。 截至7月31日，贵阳银行股东户数6.69万，较上期增加0.54%；人均流通股54684股，较上期减少0.54%。 2025年1月-6月，贵阳银行实现营业收入0.00元；归母净利润24.74亿元，同比减少7 ...

Investment Rating - The report maintains a positive outlook on the banking sector, suggesting potential investment opportunities due to favorable policy catalysts and improving fundamentals in certain banks [12]. Core Insights - The report highlights the adequacy of loan loss provisions among listed banks, with a provision coverage ratio of 70.8% for Stage 3 loans, indicating limited future impact on profits [2][12]. - It emphasizes the improvement in asset quality, particularly in Stage 3 loans, with notable reductions in the proportion of such loans for several banks compared to the end of Q4 2024 [1][2]. - The report suggests a focus on banks with positive fundamental changes and continuous improvement in financial statements, recommending specific banks for investment [12]. Summary by Sections 1. Loan Quality and Provisioning - The proportion of Stage 3 loans is relatively low for banks like Chengdu Bank (0.66%) and Ningbo Bank (0.76) [1]. - Significant improvements in Stage 3 loan ratios were observed for Chongqing Bank (-61bp) and Guiyang Bank (-48bp) compared to Q4 2024 [1]. - The provision coverage for Stage 3 loans is high, with leading banks like Qingnong Bank (4.35%) and Yunan Bank (4.16%) showing strong provisioning ratios [2]. 2. Financial Assets - The proportion of Stage 3 financial assets is low, with most banks not exceeding 0.05%, indicating manageable asset quality pressure [4]. - The report notes that the provision coverage for financial investments is also robust, with Zhejiang Bank (3.16%) and Qingdao Bank (2.85%) leading in provisioning ratios [8]. 3. Sector Outlook - The report anticipates that expansionary policies aimed at stabilizing the economy will benefit the banking sector, with a focus on banks like Ningbo Bank and Jiangsu Bank for potential investment [12]. - It highlights the ongoing economic recovery and the potential for interest rate cuts, suggesting a sustained dividend strategy for certain banks [12].

在经济发展进程中 资金是企业成长的关键 不少企业想拓展业务、提升产能 却常因融资难陷入困境 资金短缺成了制约发展的 "枷锁" 为破解这一难题 国家税务总局仁怀市税务局联合金融机构 深化 "银税企互动" 打破银企间的信息壁垒 为企业融资开辟绿色通道 助力企业解决发展难题 依法诚信纳税不仅是企业义务 更成了融资 "金钥匙" 贵州土茅帅酒业（集团） 荣耀酒业销售有限公司便是受益者 "税务人员上门讲解政策 让企业明晰'以信换贷'红利 凭借良好纳税信用 企业顺利申请到200万元贷款" 公司副总经理朱斌说 走进贵阳银行遵义分行仁怀支行 大厅里 "银税互动" 主题易拉宝十分醒目 上面清晰标注着 不同纳税信用等级企业的金融产品 申请条件与办理流程 有融资需求的企业 纷纷前来咨询 "公司正好处于业务拓展的关键阶段 资金缺口较大 好在我们的信用等级为B级 符合这款金融产品的要求 该产品利息较低，办理流程也很快 极大缓解了我们的资金压力 " 客户陈叶说 "银税互动" 的高效 源于数据共享带来的审批变革 以往银行审批企业贷款 需反复核查经营报表、财务流水等数据 耗时长达数周 如今借助 "银税企互动服务平台" 银行可直接获取 企业真实 ...

Market Overview - On September 15, the city commercial bank sector declined by 0.85% compared to the previous trading day, with Xi'an Bank leading the decline [1] - The Shanghai Composite Index closed at 3860.5, down 0.26%, while the Shenzhen Component Index closed at 13005.77, up 0.63% [1] Individual Bank Performance - Zhengzhou Bank closed at 2.07, up 0.98% with a trading volume of 1.38 million shares and a transaction value of 286 million yuan [1] - Xi'an Bank closed at 4.19, down 1.87% with a trading volume of 438,000 shares and a transaction value of 184 million yuan [2] - The highest decline was observed in Chengdu Bank, which closed at 18.07, down 0.93% [1] Capital Flow Analysis - The city commercial bank sector experienced a net outflow of 797 million yuan from institutional investors, while retail investors saw a net inflow of 348 million yuan [2] - The main capital inflow and outflow for individual banks varied, with Hangzhou Bank seeing a net inflow of 61.64 million yuan from institutional investors [3] - Conversely, Suzhou Bank experienced a net outflow of 11.76 million yuan from institutional investors [3]

Core Viewpoint - The banking industry is facing a critical turning point as net interest margins have fallen below non-performing loan ratios, indicating a dual pressure of shrinking income and rising risk [1][4][5] Group 1: Financial Indicators - As of Q1 2025, the non-performing loan ratio for commercial banks was 1.51%, while the net interest margin was 1.43%, marking the lowest net interest margin since 2005 [1][5] - By Q2 2025, the net interest margin further declined to 1.42%, with the non-performing loan ratio rising to 1.49% [1] - Over 20% of the 42 listed banks reported net interest margins lower than their non-performing loan ratios, highlighting a concerning trend in the industry [1][6] Group 2: Industry Response - In response to these challenges, banks are shifting towards middle-income business models, with a notable resurgence in insurance and banking (银保) business, which accounted for over 50% of income for the first time in 15 years [2][21] - Major banks like China Merchants Bank and Ping An Bank reported over 40% year-on-year growth in insurance income [2] Group 3: Asset and Liability Management - The continuous decline in net interest margins is attributed to a combination of low asset yields and rigid liability costs, exacerbated by insufficient effective credit demand and external pressures from bond market financing [10][12] - Banks are adjusting their asset-liability strategies to cope with narrowing margins, focusing on optimizing their loan structures and reducing costs [13] Group 4: Asset Quality and Risk - The total non-performing loan balance for commercial banks was reported at 34,342 billion yuan in Q2 2025, with a slight decrease from Q1 [15] - The provision coverage ratio improved to 211.97%, indicating enhanced risk mitigation capabilities [15] - However, the non-performing loan generation rate and overdue loan rates are on the rise, suggesting ongoing pressure on asset quality [17][19] Group 5: Middle-Income Business Growth - The middle-income business segment is showing signs of recovery, with non-interest income growing by 6.97% year-on-year in the first half of 2025, reversing a downward trend [21][22] - The insurance business is becoming a key growth driver, with banks leveraging their networks to enhance insurance sales [23]

Core Viewpoint - The People's Bank of China (PBOC) has established a new evaluation mechanism for primary dealers in the open market, which will be implemented in 2025, aiming to enhance the transmission of monetary policy and adapt to the evolving financial market [1]. Group 1: Evaluation Mechanism - The PBOC's evaluation mechanism for primary dealers was first established in 2004 and adjusted in 2018 to support smooth open market operations [1]. - The new evaluation method will focus on optimizing and simplifying assessment indicators, categorizing institutions for evaluation, and strengthening the linkage with bond market makers [1]. - The list of primary dealers for the year 2025 will remain unchanged, and any dealer exhibiting inappropriate behavior during the evaluation period may be suspended from participating in open market operations [1]. Group 2: Institutions Involved - A comprehensive list of institutions that will be evaluated includes major banks such as Agricultural Bank of China, Industrial and Commercial Bank of China, China Construction Bank, and Bank of China, among others [3][4]. - The evaluation will consider factors such as stable lending, reasonable pricing, market performance during tight funding periods, and compliance with operational standards [3].