（一）更好适应CIPS参与者拓展和管理要求。近年来，随着CIPS业务发展和参与者规模扩 大，《业务规则》相关内容无法有效满足参与者拓展和管理要求。有必要根据CIPS业务发展 实际，对《业务规则》进行修改完善，进一步健全参与者管理机制，有效满足CIPS参与者拓 展需要，提高CIPS参与者管理水平。 （二）更好满足CIPS业务发展的需要。《业务规则》明确了CIPS参与者的账户管理、注资、 资金结算等详细流程。随着CIPS功能和服务的持续优化，有必要调整《业务规则》相关内 容，仅对参与者业务行为提出原则性要求，确保规范性文件的前瞻性和科学性，有效适应 CIPS业务发展和功能升级的需要。 中国人民银行发布关于《人民币跨境支付系统业务规则（征求意见稿）》公开征求意见的通知。 《业务规则》明确了CIPS参与者的账户管理、注资、资金结算等详细流程。随着CIPS功能和服务的 持续优化，有必要调整《业务规则》相关内容，仅对参与者业务行为提出原则性要求，确保规范性 文件的前瞻性和科学性，有效适应CIPS业务发展和功能升级的需要。 《人民币跨境支付系统业务规则（征求意见稿）》起草说明 为适应人民币跨境支付系统（CIPS）业务发展需 ...

Company Overview - Synovus has a 135-year history of commercial and retail banking in the Southeast U S [6] - The company has $59 billion in assets, $44 billion in loans, and $50 billion in deposits [6] - Synovus completed the transition to a singularly branded Synovus name and platform in 2018 [6] Growth and Market Position - Growth markets account for 55% of loans outstanding and 42% of core deposits [16] - The company is expanding its presence in growing Southeast markets [17] - Since 2019, the company has increased RM count in Corporate & Investment Banking by 24% [45] Financial Performance and Strategy - The company is focused on long-term shareholder value creation [19] - Recent strategies are PPNR accretive and supportive to growth [27] - Wholesale Funding/Assets decreased by 14% from 2Q23 to 3Q23 [28] - Office CRE Loans/Total Loans decreased by 36% from 2Q23 to 3Q23 [28] - The company anticipates relatively flat adjusted expenses in 2024, with a 2022 baseline of $116 billion and a 2023 estimate of $122 billion [38]

Financial Performance & Strategy - Synovus is focused on long-term shareholder value creation[9] - Synovus completed the transition from multiple legacy banking platforms to a singularly branded Synovus name and platform[6] - Synovus launched Synovus Forward to further optimize revenue and reduce expenses[6] - Synovus is implementing a 4-pillar execution strategy[6] Loan Portfolio & Credit Quality - Synovus has a highly diverse loan mix as of 9/30/23, with Middle Market and Commercial loans comprising 29% of the portfolio[33, 34] - The company's total C&I portfolio was $228 billion as of 3Q23[62] - The CRE portfolio totaled $124 billion in 3Q23[70] - The consumer loan portfolio totaled $85 billion in 3Q23[80] 2024 Outlook & Guidance - Synovus anticipates NIM expansion of approximately +20 bps from 4Q23 to 4Q24[38] - The company expects adjusted non-interest expense to be relatively flat in 2024, excluding the impact of the 4Q23 FDIC special assessment[38, 41] - Synovus projects core deposit growth of 2%-6% for 2024[40]

*Correction of consensus estimates, specifically pertaining to the net profit for 2026 and 2027. Tryg has compiled consensus estimates ahead of the interim report Q2 and H1 2025. Consensus is based on input from 12 financial analysts. Consensus is also available on tryg.com. Attachment Q2 2025 - Consensus ...

Financial Performance & Growth - Middle market banker team grew by 7% YTD[18] - Middle Market, CIB and Specialty Lines generated 8% annualized loan growth[18] - Treasury and Payments Solutions revenue increased by 9% YTD[18] - CET1 Ratio increased by 38 bps to 1060% from 12/31/2023[18] Loan & Deposit Portfolio - Wholesale Bank core deposits increased by $257 million in "Go for the Gold" campaign[18] - Variable loans represent approximately 62% (~$26 billion) of the total loan portfolio as of June 30, 2024[21] - Non-Interest Bearing Deposits account for 23% of the total deposit portfolio as of June 30, 2024[21] Credit Quality & Risk Management - Net charge-offs/average loans contained at 036% YTD (annualized)[18] - Allowance for Credit Losses (ACL) increased modestly to 125% of loans from YE 2023[18] - Office Loans account for 42% of Total Loans[40] Guidance - Adjusted revenue is expected to be $555 - $560 million in 3Q24[49] - Adjusted non-interest revenue is projected to be $115 – $120 million in 3Q24[49] - Adjusted non-interest expense is guided to be $305 - $310 million in 3Q24[49]

随着天气越发炎热，白酒进入消费淡季。不过，"618"大促活动下，线上白酒销售增长的同时，多款头 部名酒却跌破批发参考价(以下简称"批价")，白酒企业如何穿越这一轮周期引发思考。 库存高企、价格倒挂依然是当下白酒行业的特征。中国酒业协会6月发布的《2025中国白酒市场中期研 究报告》显示，当前白酒行业正处于调整期，在多重压力下，上半年批价整体表现较弱。 为迎合年轻消费群体，头部酒业有意发力低度酒。近期，五粮液（000858）等酒企均提到要推出20多度 的白酒。而在渠道方面，贵州茅台（600519）、洋河股份（002304）近期与头部电商座谈、发布新品等 举措，也被解读为更加重视线上渠道。 白酒降度能否成为拓展新群体的"利器"？头部酒企更加主动"拥抱"电商，又释放出哪些信号？在业内人 士看来，穿越周期就是"剩者为王"，前提则是保持营收增长。存量竞争下，拥抱创新，无疑是为开拓更 多消费群体和消费场景，但也意味着名酒企业下场"厮杀"，竞争会更加激烈，行业面临"洗牌"。 主动"拥抱"电商 新京报记者注意到，近两年，电商平台的大促活动，也是白酒价格大战最激烈的节点。尤其是2025 年"618"大促，作为白酒价格风向标的飞 ...

Key Takeaways Bank OZK declared a $0.44 dividend, marking its 21st hike in five years and yielding 3.38%. Lindsay Corp announced a $0.37 dividend, with five increases in five years and a 21% payout ratio. Sandstorm Gold raised its dividend to $0.02 per share, its seventh hike in five years, yielding 0.59%.Wall Street is on a rally driven by easing tariff fears and optimism surrounding a rate cut by the Federal Reserve in the coming weeks. The S&P 500 and Nasdaq hit fresh closing highs on Thursday, and inv ...

Key Takeaways ORC offers a 20.1% dividend yield and has raised its dividend three times in the past five years. ORC holds $446.5M in liquidity with no debt as of March 31, 2025, supporting capital distributions. ORC shares are up 1.4% YTD and trade at a 0.80X P/TB ratio, below the industry average of 0.98X.One of the most closely watched aspects of Orchid Island Capital (ORC) is its financial profile, particularly its dividend policy.This specialty finance mREIT company, which invests in residential mort ...

7月4日，生态环境部党组与中央纪委国家监委驻生态环境部纪检监察组(以下简称驻部纪检监察组)召开 2025年第一次专题会商会，围绕着力推动部直属单位强化全面从严治党政治责任、以管党治党新成效保 障高质量发展进行专题会商。生态环境部党组书记孙金龙主持会议并讲话。生态环境部部长黄润秋列席 会议。驻部纪检监察组组长、部党组成员廖西元出席会议并提出意见建议。中央纪委国家监委第二监督 检查室派员到会指导。(生态环境部微博) ...

Group 1 - Proactive provides fast, accessible, informative, and actionable business and finance news content to a global investment audience [2] - The news team covers medium and small-cap markets, as well as blue-chip companies, commodities, and broader investment stories [3] - Proactive's content includes insights across various sectors such as biotech, pharma, mining, natural resources, battery metals, oil and gas, crypto, and emerging technologies [3] Group 2 - Proactive is committed to adopting technology to enhance workflows and content production [4] - The company utilizes automation and software tools, including generative AI, while ensuring all content is edited and authored by humans [5]