Group 1: Business Strategy and Focus Areas - The bank positions its pension finance business as a core growth driver, aiming to develop it alongside wealth management over the next 2-3 years [2][3] - The bank identifies a multi-trillion market opportunity driven by the shift in pension needs from simple savings to comprehensive life-cycle planning [3] - Key strategies include forming specialized teams, leveraging technology for personalized services, and creating a financial product-service ecosystem [3] Group 2: Financial Performance and Growth Metrics - As of June, the bank's technology finance loan balance reached CNY 15.9 billion, while green finance loans totaled CNY 4.459 billion, reflecting a 30.57% increase since the beginning of the year [4] - The bank's total loans grew by 5.87% year-to-date, with deposits increasing by 6.35% [8] - The bank plans to maintain moderate asset growth and align credit issuance with regional industrial transformation needs in 2025 [8] Group 3: Market Positioning and Competitive Strategy - The bank emphasizes a "steady progress" approach in market value management, focusing on enhancing profitability and market influence [5][6] - It aims to innovate in the technology finance sector by establishing a dedicated financial center and specialized teams to support startups and early-stage companies [6][7] - The bank's product development strategy includes a comprehensive service matrix for different stages of technology enterprises [7] Group 4: Compliance and Governance - The independent board members monitor compliance with laws and regulations, focusing on key risk areas such as related party transactions and anti-money laundering [8] - The bank ensures that management provides detailed compliance reports for critical areas to maintain regulatory adherence [8] - The board exercises veto power on any proposals with compliance concerns to protect shareholder interests [8]

Market Performance - The agricultural commercial bank sector increased by 0.41% on August 28, with Shanghai Agricultural Commercial Bank leading the gains [1] - The Shanghai Composite Index closed at 3843.6, up 1.14%, while the Shenzhen Component Index closed at 12571.37, up 2.25% [1] Individual Stock Performance - Shanghai Agricultural Commercial Bank (601825) closed at 8.76, up 1.04% with a trading volume of 382,700 shares and a transaction value of 334 million [1] - Zhangjiagang Bank (002839) closed at 4.49, up 0.67% with a trading volume of 410,800 shares and a transaction value of 183 million [1] - Chongqing Agricultural Commercial Bank (601077) closed at 6.34, up 0.48% with a trading volume of 744,600 shares and a transaction value of 470 million [1] - Jiangyin Bank (002807) closed at 4.79, down 0.21% with a trading volume of 489,800 shares and a transaction value of 234 million [1] Capital Flow Analysis - The agricultural commercial bank sector saw a net inflow of 9.792 million from institutional investors and a net inflow of 43.4504 million from retail investors, while individual investors experienced a net outflow of 53.2424 million [1] - Chongqing Agricultural Commercial Bank had a net inflow of 32.1428 million from institutional investors, while retail investors had a net outflow of 786.10 thousand [2] - Jiangyin Bank experienced a net inflow of 1.0032 million from institutional investors, with a net outflow of 2.76418 million from retail investors [2]

Market Performance - The agricultural commercial bank sector declined by 1.68% on August 27, with Jiangyin Bank leading the drop [1] - The Shanghai Composite Index closed at 3800.35, down 1.76%, while the Shenzhen Component Index closed at 12295.07, down 1.43% [1] Individual Stock Performance - Notable declines in individual stocks include: - Jiangyin Bank: -2.83% closing at 4.80 [1] - Chongqing Rural Commercial Bank: -2.02% closing at 6.31 [1] - Common declines across other banks such as Zijin Bank (-2.34%) and Ruifeng Bank (-2.77%) [1] Trading Volume and Capital Flow - The total net outflow of main funds from the agricultural commercial bank sector was 80.14 million yuan, while retail funds saw a net inflow of 427,100 yuan [1] - The trading volume for major stocks included: - Jiangyin Bank: 450,400 shares traded with a transaction value of 219 million yuan [1] - Chongqing Rural Commercial Bank: 1,068,200 shares traded with a transaction value of 680 million yuan [1] Detailed Capital Flow Analysis - Key capital flow data for selected banks: - Su Nong Bank: Main funds net inflow of 12.16 million yuan, retail net outflow of 10.25 million yuan [2] - Qing Nong Bank: Main funds net inflow of 9.05 million yuan, retail net outflow of 5.90 million yuan [2] - Jiangyin Bank: Main funds net inflow of 7.65 million yuan, retail net outflow of 17.77 million yuan [2] - Significant outflows were observed in: - Zijin Bank: Main funds net outflow of 21.16 million yuan [2] - Common Agricultural Bank: Main funds net outflow of 26.58 million yuan [2]

Market Overview - The A-share market experienced a significant decline, with the Shanghai Composite Index dropping over 1.7% and the Shenzhen Component Index falling by 1.43% [1][2] - A total of 4,761 stocks declined, while the trading volume exceeded 3 trillion yuan, an increase of 488 billion yuan compared to the previous day [1][2] Sector Performance - The financial sector led the declines, with notable drops in bank stocks such as Postal Savings Bank down over 4% and Everbright Bank down 2.78% [2][3] - Other sectors like liquor, coal, and real estate also saw significant declines, with major liquor brands like Luzhou Laojiao and Gujing Gongjiu experiencing drops of 4.97% and 4.43% respectively [4][3] Investment Trends - There has been a notable increase in the number of new A-share accounts, with 1.9636 million new accounts opened in July 2025, marking a year-on-year increase of 70.54% [7] - The active user base for securities apps reached 167 million, reflecting a 3.36% month-on-month increase and a 20.89% year-on-year increase [7] - Investors are shifting from traditional savings to equity markets, with a significant reduction in household deposits by 1.1 trillion yuan in July [8] Economic Insights - The preference for bond assets is expected to decline as the yield center decreases, leading to an increased allocation towards equity assets among domestic investors [9] - The focus on corporate earnings is rising as the A-share market enters the peak reporting season, with sectors like TMT, consumer goods, and manufacturing showing strong Q2 performance [11] Future Outlook - The liquor industry is anticipated to reach a bottom by Q3 2025, with expectations of a gradual recovery in the second half of the year [13] - The consumer sector, particularly leading companies, may benefit from foreign capital inflows, providing support to the market [13]

格隆汇8月27日｜A股银行板块持续下挫，邮储银行跌超3%，光大银行、民生银行跌超2%，光大银行、 农业银行、华夏银行等跟跌。 | 代码 | 名称 | | 涨幅% ↑ | 总市值 | 年初至今涨幅%。 | | --- | --- | --- | --- | --- | --- | | 601658 | 邮储银行 | 1 | -3.67 | 7254亿 | 11.56 | | 601818 | 光大银行 | 1 | -2.27 | 2287亿 | 4.69 | | 600016 | 民生银行 | 1 | -2.11 | 2027亿 | 13.37 | | 601328 | 交通银行 | 被 | -1.97 | 6592 7 | 1.03 | | 000001 | 平安银行 | 1 | -1.94 | 2352亿 | 6.83 | | 601288 | 农业银行 | 1 | -1.92 | 24989亿 | 39.72 | | 600015 | 华夏银行 | 1 | -1.91 | 1229亿 | 1.34 | | 002936 | 郑州银行 | 楽 | -1.89 | 189亿 | -0.05 | | 60122 ...

| | 2.请问贵行 2025 年核销、计提的规划如何，合意的拨备水平大 | | --- | --- | | | 概在什么水平？ | | | 答：2025 年核销、计提规划会依据我行资产质量状况、信贷投放 | | | 规模及宏观经济形势动态调整。上半年，我行归母净利润同比增长 | | | 16.63%，资产质量保持稳健，不良贷款率为 0.86%，拨备覆盖率 | | | 381.22%，较年初提升 个百分点。后续核销将精准针对潜在风险 11.9 | | | 资产，力求最大程度化解不良。计提方面，会遵循谨慎性原则，保障 | | | 拨备对风险的足额覆盖。基于当前稳健态势，合意拨备水平会维持在 | | | 较高区间，持续强化风险抵御能力，预计在现有基础上，结合业务发 | | | 展与风险变动微调，确保资本充足率稳定，助力业务健康发展。 | | 附件清单（如有） | 无 | | 日期 | 2025 年 08 月 25 日 | 证券代码： 002807 证券简称：江阴银行 编号：2025-04 | 投资者关系活动 ☑ | 特定对象调研 □ 分析师会议 | | --- | --- | | 类别 □ | 媒体采访 □业绩说 ...

证券之星消息，8月26日农商行板块较上一交易日下跌0.93%，无锡银行领跌。当日上证指数报收于 3868.38，下跌0.39%。深证成指报收于12473.17，上涨0.26%。农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) | | | --- | --- | --- | --- | --- | --- | --- | | 601128 | 常熟银行 | 7.67 | -0.13% | 37.49万 | | 2.88 Z | | 601860 | 紫金银行 | 66'Z | -0.66% | 42.99万 | | 1.29亿 | | 601077 | 渝农商行 | 6.44 | -0.77% | 1 48.69万 | | 3.14亿 | | 002839 | 张家港行 | 4.52 | -0.88% | 33.41万 | | 1.51亿 | | 603323 | 苏农银行 | 5.40 | -1.10% | 27.60万 | | 1.49 Z | | 601825 | 沪农商行 | 8.76 | -1.13% | 23.72万 | | 2.08亿 | ...

Core Viewpoint - The performance reports of several listed banks in A-shares indicate a trend of revenue and net profit growth, despite a general decline in interest rates on deposits, which supports net interest margins [1][2][3]. Group 1: Performance Summary - As of August 25, 2025, 10 listed banks have disclosed their semi-annual performance reports, including 6 city commercial banks, 2 national joint-stock banks, and 2 rural commercial banks [1]. - Five banks, including Ping An Bank, Jiangsu Bank, Chongqing Bank, Changshu Bank, and Jiangyin Bank, reported revenue and net profit growth, with Changshu Bank and Jiangyin Bank exceeding 10% growth in both metrics [2]. - The specific revenues for these banks were 69.385 billion, 44.864 billion, 7.659 billion, 6.062 billion, and 2.401 billion respectively, with year-on-year growth rates of 7.78%, 7%, 10.10%, and 10.45% [2]. Group 2: Interest Rate Trends - The average interest rate on interest-bearing liabilities for Ping An Bank was 1.79%, down 46 basis points year-on-year; Jiangsu Bank's was 1.89%, down 40 basis points; and Chongqing Bank's was 2.29%, down 36 basis points [3]. - Changshu Bank's average cost of interest-bearing liabilities decreased by 28 basis points to 1.98%, while Jiangyin Bank's deposit interest rate was 1.62%, down 26 basis points [3]. Group 3: Dividend Distribution - Ping An Bank and Changshu Bank have announced their mid-term profit distribution plans, with Ping An Bank proposing a cash dividend of 2.36 yuan per 10 shares, totaling 4.58 billion, which is 20.05% of its net profit [4]. - Changshu Bank plans to distribute a cash dividend of 0.15 yuan per share, totaling 497 million, which is 25.27% of its net profit [4]. - Jiangsu Bank has indicated its intention to follow a policy of "multiple dividends per year," with future distributions to be determined by its board based on profitability and cash flow [4]. Group 4: Asset Quality - Among the 10 banks that have disclosed their semi-annual performance, seven banks, including Pudong Development Bank, Ping An Bank, Jiangsu Bank, Chongqing Bank, Qingdao Bank, Qilu Bank, and Changshu Bank, reported a decrease in non-performing loan ratios compared to the end of 2024 [5].

证券之星消息，8月25日农商行板块较上一交易日上涨0.67%，瑞丰银行领涨。当日上证指数报收于 3883.56，上涨1.51%。深证成指报收于12441.07，上涨2.26%。农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) | | --- | --- | --- | --- | --- | --- | | 601528 | 瑞丰银行 | 5.85 | 1.92% | 25.55万 | 1.48亿 | | 601128 | 常熟银行 | 7.68 | 1.05% | 48.12万 | 3.68亿 | | 601860 | 紫金银行 | 3.01 | 1.01% | 75.52万 | 2.27亿 | | 002807 | 江阴银行 | 5.00 | 0.81% | 42.64万 | 2.12亿 | | 601825 | 沪农商行 | 8.86 | 0.68% | 27.57万 | 2.43亿 | | 002839 | 张家港行 | 4.56 | 0.66% | 46.59万 | 2.12亿 | | 002958 | 青农商行 | 3.54 | 0.57% ...

Group 1 - The China Securities Bank Index (399986) increased by 0.28% as of August 25, 2025, with notable gains from Ping An Bank (3.07%), Ningbo Bank (2.04%), and others [1] - Seven A-share listed banks have disclosed their semi-annual performance for 2025, showing steady growth in total assets, operating revenue, and net profit attributable to shareholders, along with a decrease in non-performing loan ratios [1] - Ningbo Bank experienced rapid total asset expansion, while Shanghai Pudong Development Bank's total revenue surpassed 90 billion yuan, with several city commercial banks achieving double-digit growth in net profit [1] Group 2 - The CSI Dividend Total Return Index has underperformed compared to the broader market indices, with the banking index lagging behind the Wind All A Index by approximately 5% [2] - The performance of the banking sector is closely linked to the interest rate cycle, suggesting a focus on cyclical stability and the recovery of equity markets [2] - The Bank ETF Index closely tracks the China Securities Bank Index, providing investors with analytical tools to assess the performance of various industry sectors [2] Group 3 - As of July 31, 2025, the top ten weighted stocks in the China Securities Bank Index accounted for 64.84% of the index, including major banks like China Merchants Bank and Industrial and Commercial Bank of China [3]