鑫闻界丨“存银行不如买银行股”的讨论持续升温，银行上半年的日子过得怎么样？

Group 1 - The discussion around "putting money in banks is worse than buying bank stocks" is gaining traction as many A-share listed banks are in their dividend distribution peak period, with over half having completed year-end dividends by June 30 [1] - In June, the banking sector faced significant regulatory scrutiny, with 156 fines totaling over 100 million yuan, primarily due to violations in credit operations and customer identity verification [1][2] - Commercial banks have issued nearly 900 billion yuan in bonds to replenish capital, with 57 issues of perpetual bonds and secondary capital bonds recorded by mid-July [3] Group 2 - More than 120 regional commercial banks, including city commercial banks and rural commercial banks, have received approval for capital increase or completed capital registration changes since the beginning of the year [4] - The banking sector saw a market capitalization increase of 2 trillion yuan in the first half of the year, with a 14.5% rise in bank stocks, outperforming the overall A-share market [5] - As of June 30, 41 out of 42 A-share listed banks reported positive stock price growth, with significant increases seen in banks like Shanghai Pudong Development Bank and Qingdao Bank [5][6] Group 3 - Major banks such as Agricultural Bank of China, Industrial and Commercial Bank of China, and China Construction Bank have the highest market capitalizations among A-share listed banks, with respective values of 2.54 trillion yuan, 2.03 trillion yuan, and 1.94 trillion yuan [5] - A significant number of A-share listed banks have dividend yields above 3%, with Huaxia Bank leading at 5.12%, and Agricultural Bank of China at 4.11% among state-owned banks [5] - Major banks have begun implementing dividend distributions for the 2024 fiscal year, with substantial cash dividends announced by Agricultural Bank, Industrial and Commercial Bank, and China Merchants Bank [6]