银行板块逆市走高，齐鲁银行、厦门银行涨超3%，信贷投放创新高净息差趋稳

Group 1 - The banking sector (core stocks) is experiencing an upward trend, with a 1.07% increase, driven by active performances from stocks like Qilu Bank and Xiamen Bank, which rose over 3% [1] - The current market sentiment is based on multiple improvements in the fundamentals of banking core stocks, including strong performance in annual credit issuance and a stabilizing net interest margin, enhancing the certainty of earnings growth [2][3] - The annual marketing season for banks is showing better-than-expected credit issuance compared to the same period in 2025, with many small and medium-sized banks receiving approval for capital increases, which is expected to improve the overall capital structure of the banking industry [3] Group 2 - State-owned banks, as the main force in credit issuance, are expanding their corporate credit lending during the marketing period, directly benefiting from the release of credit demand in the real economy, leading to strong earnings growth certainty [4] - Joint-stock banks are expected to see effective alleviation of profit pressure as net interest margins stabilize, with continued growth in wealth management and other intermediary businesses, indicating significant valuation recovery potential [4] - Rural financial institutions are focusing on the county-level real economy, with significant business growth during seasonal credit demand periods, and their capital strength is expected to improve through capital optimization, enhancing their ability to support rural development [4]