Core Insights - The article emphasizes the importance of promoting consumption and expanding domestic demand as a key national strategy for 2025, with financial institutions playing a crucial role in supporting this transition from investment-driven to consumption-driven economic growth [1][6]. Group 1: Financial Institution Initiatives - Financial institutions are focusing on both resident demand and enterprise supply to create a virtuous cycle of "financial benefits - consumption expansion - industrial upgrading" [1]. - The Bank of Communications Credit Card is actively responding to market demands by prioritizing green finance in its automotive financial services, particularly in the context of the growing popularity of new energy vehicles [2]. - The bank has established a dedicated team to manage automotive installment products, achieving a system automatic review rate of 70% and an overall approval rate of nearly 90%, enhancing service quality and customer experience [3]. Group 2: Market Positioning and Strategy - The Bank of Communications Credit Card is leading the industry in addressing the "high interest, high rebate" phenomenon by suspending high-rebate automotive installment and loan services, thus promoting a healthier market environment [4]. - The bank is leveraging its exclusive platinum card for car owners and various promotional activities to deepen customer engagement and enhance user loyalty [4]. - The bank has launched a special automotive installment campaign in Shanghai, offering customers a chance to receive a cash rebate upon successful application, effectively reducing the financial burden of purchasing new vehicles [6]. Group 3: Commitment to Local Economic Development - The Bank of Communications has been actively involved in promoting the Shanghai International Consumer Center City initiative and has participated in the "Five Five Shopping Festival" for six consecutive years, injecting financial vitality into the local economy [5]. - The bank aims to build a complete automotive financial ecosystem through dual drives of inclusive finance and green finance, supporting local economic development while achieving high-quality business growth [6].

回顾2025年，促消费、扩内需是国家重要战略部署。在商品消费端，商户通过以旧换新、消费贷 补贴等挖掘商品消费升级潜力，着力稳住消费大盘；在新型消费领域，数字、绿色、智能、健康 等业态呈现蓬勃发展态势。 在此背景下，金融机构作为提振和扩大消费的"主力军"，从居民需求与企业供给两端发力，打 通"金融让利-消费扩容-产业升级"的良性循环，为我国经济从投资驱动向消费驱动转型提供支 撑。交通银行信用卡积极响应号召，在诸多消费场景中抢抓汽车消费升级换代的机遇，践行普惠 金融与绿色金融两篇"大文章"，搭建完整汽车金融生态圈，助力实体经济发展。 谱写两篇"大文章" 彰显大行责任 2 0 2 4年8月，国务院《关于促进服务消费高质量发展的意见》明确，引导金融机构优化信贷产 品、提供差异化服务，加大对服务消费重点领域信贷支持力度。恰逢新能源汽车成为汽车消 费市场的主流趋势，交通银行信用卡紧跟市场需求，将绿色金融作为汽车金融业务的重点发 力方向，通过"扩大合作版图 + 加大投放力度"双举措，推动新能源汽车消费扩容。 在服务广度上，交通银行信用卡重点扩展新能源汽车品牌总对总合作，覆盖理想、阿维塔、 岚图、广汽本田、路特斯等主流车企， ...

Core Viewpoint - Nanjing Bank's Q3 2025 report indicates robust growth in key operational metrics, demonstrating resilience and high-quality development amidst a complex external environment, aligning with national and regional development strategies [1] Group 1: Financial Performance - Total assets reached 2.96 trillion yuan, a 14.31% increase from the end of last year [2] - Total liabilities grew to 2.75 trillion yuan, up 14.48% year-on-year [2] - Deposits increased to 1.64 trillion yuan, a 9.65% rise, while loans reached 1.41 trillion yuan, growing by 12.34% [2] - Operating income was 41.949 billion yuan, an 8.79% year-on-year increase, with net interest income at 25.207 billion yuan, up 28.5% [2] - Net profit attributable to shareholders was 18 billion yuan, reflecting an 8.06% increase [2] - Non-performing loan ratio remained stable at 0.83%, with a cost-to-income ratio of 23.27%, down 4.81 percentage points [2] - Provision coverage ratio stood at 313.22%, and core Tier 1 capital adequacy ratio was 9.54%, showing strong capital strength [2] Group 2: Business Segments - The bank focused on three main business segments: corporate finance, retail finance, and financial markets, enhancing its comprehensive financial service capabilities [3] - Corporate finance loans reached 1.07 trillion yuan, with a growth rate exceeding 14.6%, and medium to long-term loans for manufacturing increased by 31.56% [3] - Technology finance loans amounted to 174.28 billion yuan, a 17.5% increase, with various innovative products launched to support enterprises [4] - Inclusive finance served 200,000 small and micro enterprises, with inclusive loan balances growing over 16.1% [4] - Green finance loans increased by 667.7 billion yuan, a growth rate exceeding 33%, with over 5,500 green loan clients [5] - Retail financial assets reached 968.7 billion yuan, a 17.1% increase, with personal deposits growing by 18.6% [6] Group 3: Market Recognition and Shareholder Support - Major shareholders, including Nanjing High-Tech and Zijin Trust, have increased their stakes, reflecting confidence in the bank's stable operations and future growth [8] - The bank celebrated its 20th anniversary of strategic cooperation with BNP Paribas, signing a new memorandum to deepen collaboration [8] - The bank's high-quality performance has attracted positive evaluations from multiple domestic and international securities firms [9] - A cash dividend of 3.062 yuan per share was announced, totaling 3.7857 billion yuan, representing 30% of the net profit attributable to shareholders [9]

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 Bank of Qingdao Co., Ltd.* 青 島 銀 行 股 份 有 限 公 司 * （ 於 中 華 人 民 共 和 國 註 冊 成 立 的 股 份 有 限 公 司 ） （H股股份代號：3866） 海外監管公告 本公告乃根據《香港聯合交易所有限公司證券上市規則》第13.10B條作出。 如下公告已於深圳證券交易所網站刊登，僅供參閱。 青島銀行股份有限公司 (1) 董事會決議公告 (2) 監事會決議公告 (3) 2025年第三季度報告 特此公告。 承董事會命 青島銀行股份有限公司* 景在倫 董事長 中國山東省青島市 2025年10月28日 於本公告日期，董事會包括執行董事景在倫先生、吳顯明先生、陳霜女士及劉 鵬先生；非執行董事周雲傑先生、Rosario Strano先生、譚麗霞女士、Giamberto Giraldo先生及鄧友成先生；獨立非執行董事邢樂成先生、張旭先生、張文礎先 生、杜寧先生及范 ...

Financial Support for the Real Economy - From November 2024 to September 2025, 98 companies in the A-share market conducted initial public offerings (IPOs), raising a total of 91.8 billion yuan, with 86% being private enterprises and 92% in strategic emerging industries [1] - Listed companies raised 996.8 billion yuan through refinancing, which is equivalent to the total amount raised in the previous two years combined [1] Improvement in Financial Services for Key Areas - A policy framework has been established focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [2] - The introduction of a "technology board" in the bond market and the creation of risk-sharing tools for technology innovation bonds have been implemented to enhance financial support for technological innovation [2] - By the end of September 2025, loans for technology, green, inclusive, pension, and digital economy sectors increased by 11.8%, 22.9%, 11.2%, 58.2%, and 12.9% respectively, all significantly higher than the overall loan growth rate [2] - Over 600 entities issued technology innovation bonds totaling approximately 1.4 trillion yuan [2]

Group 1 - The core viewpoint of the article emphasizes the importance of developing various financial sectors, including technology finance, green finance, inclusive finance, pension finance, and digital finance [1] Group 2 - The article highlights the release of the "Suggestions on Formulating the 15th Five-Year Plan for National Economic and Social Development" by the Central Committee of the Communist Party of China [1] - The focus on technology finance indicates a strategic move towards innovation and modernization in the financial sector [1] - The inclusion of green finance reflects a commitment to sustainable development and environmental responsibility [1] - The promotion of inclusive finance aims to enhance financial accessibility for all segments of society [1] - The emphasis on pension finance addresses the growing need for retirement planning and financial security for the aging population [1] - The push for digital finance aligns with global trends towards digitalization and the use of technology in financial services [1]

Core Insights - China CITIC Bank Zhengzhou Branch focuses on innovative inclusive finance to address the financing challenges faced by small and micro enterprises in Henan Province [1][2] - The bank has shifted its credit assessment approach from traditional methods to a future-oriented perspective, emphasizing team capabilities and industry research [1] - The bank has developed tailored financing solutions by integrating government, tax, customs, and industry platform data, effectively supporting the modernization of the industrial system in Henan [1][2] Financial Products and Services - The bank has launched specific loan products such as "Steel Furniture Loan" in Luoyang, providing a total credit of 69 million yuan to support the local steel furniture industry [1] - In Linzhou, the "Linzhou Auto Parts Loan" was introduced, with 78.46 million yuan allocated to 15 auto parts companies, enhancing the overall industry chain [2] - The "Martial Arts Inheritance Loan" was created in Dengfeng, providing 30 million yuan in credit to six martial arts schools, promoting the integration of culture, education, and industry [2] Operational Strategy - The bank has transitioned from a product-driven model to a scenario-based ecological operation, establishing a comprehensive service mechanism that includes customer identification, industry research, solution development, and rapid implementation [2] - As of now, the bank's inclusive finance loans have exceeded 50 billion yuan, benefiting over 20,000 small and micro enterprises [2] - The bank aims to enhance its role in local development by integrating transaction banking and wealth management services, reinforcing the partnership between banks and enterprises [2]

Core Insights - Nanjing Bank has shown steady growth in its financial performance for the first three quarters of 2025, with a revenue of 41.949 billion RMB, marking an 8.79% year-on-year increase, and a net profit of 18.005 billion RMB, up 8.06% year-on-year [1] Financial Performance - For Q3 2025, Nanjing Bank reported a revenue of 13.469 billion RMB, reflecting a 9.12% year-on-year growth, and a net profit of 5.386 billion RMB, which is a 6.26% increase year-on-year [1] - The bank's net interest income reached 25.207 billion RMB, a significant increase of 28.52% year-on-year, accounting for 60.09% of total revenue [1] - Non-interest income totaled 16.742 billion RMB, showing a decline of 11.63% year-on-year, making up 39.91% of total revenue [1] Asset and Liability Growth - As of September 2025, Nanjing Bank's total assets exceeded 2.96 trillion RMB, an increase of 370.908 billion RMB or 14.31% from the previous year [2] - Total liabilities reached 2.75 trillion RMB, growing by 347.373 billion RMB or 14.48% year-on-year [2] - Total deposits amounted to 1.64 trillion RMB, up 144.383 billion RMB or 9.65% year-on-year [2] - Total loans increased to 1.41 trillion RMB, reflecting a growth of 155.083 billion RMB or 12.34% year-on-year [2] Business Segment Performance - In corporate banking, the loan balance reached 1.07 trillion RMB, an increase of 136.931 billion RMB or 14.63% year-on-year, with notable growth in green finance (33.03%), technology finance (17.47%), inclusive finance (16.16%), and agricultural loans (7.80%) [2] - Retail banking assets grew to 968.695 billion RMB, a rise of 141.752 billion RMB or 17.14% year-on-year [2] - The retail segment generated revenue of 11.702 billion RMB, with a year-on-year growth rate of 22.10%, and profit of 1.622 billion RMB, indicating significant revenue growth [2] Financial Market and Asset Quality - The asset management business reached a scale of 3.97 trillion RMB, growing by 16.42% year-on-year [3] - The non-performing loan ratio stood at 0.83%, unchanged from the beginning of the year, with a provision coverage ratio of 313.22%, down 22.05 percentage points from the start of the year [3] - The individual loan non-performing rate was 1.33%, a decrease of 0.1 percentage points from the previous quarter [3] Dividend Distribution - Nanjing Bank announced a cash dividend distribution plan, proposing a cash dividend of 0.3062 RMB per share (before tax), totaling 3.7857 billion RMB, which represents 30% of the net profit for the first half of 2025 [3]

在农户生产经营与产业发展进程中，资金短缺常成为制约其发展的关键瓶颈。部分农户因资产结构单一、融资渠道有限，普遍面临 "贷款难、额度低" 的 困境，亟需适配的金融服务支持。湘潭天易农商银行响塘支行聚焦农户核心融资需求，通过创新 "组合贷款" 模式，为农户量身定制资金解决方案，高效 破解融资难题，为农户生产经营注入金融动能。 随着资金顺利到账，黄某夫妇悬着的心终于放下，脸上露出了舒展的笑容。他们反复向客户经理说着感谢，言语间满是对支行主动想办法、解难题的认 可。 从精准对接需求到定制专属方案，从创新组合贷款模式到破解融资难题，湘潭天易农商银行始终坚守"摸实情、连感情、解难题"服务理念，用实实在在的 行动，将服务温度稳稳传递到了农户的心间，也让普惠金融的便利与温暖，真正走进了寻常百姓家。未来，该行将继续锚定服务"三农" 的初心，以农户 等群体的需求为核心，不断升级贷款服务模式，让这股金融创新的"活水"能更精准解决融资痛点，为普惠金融的深化与社会经济的均衡发展注入持久活 力。 得知黄某夫妇的需求后，响塘支行客户经理带着专业服务上门，通过与二人深入交流，不仅摸清了资产底数，更精准把握了他们在融资中遇到的实际困 难。这对 ...

Core Insights - The private equity fund industry is undergoing a significant transformation driven by global innovation, moving away from high entry barriers and closed operations to more accessible and decentralized models [1][5] - New fund models such as DeFi index funds and DAO venture capital funds are emerging, allowing ordinary investors to participate in global asset allocation and early-stage project investments [1][4] - The evolution of investor demands is leading to a shift from traditional profit models to impact investing, where financial returns are coupled with social value creation [4] Group 1: New Fund Models - DeFi index funds utilize smart contracts to manage a basket of crypto assets, enabling users to invest with small amounts and trade freely 24/7 [1] - DAO venture capital funds allow community members to make collective investment decisions through governance tokens, democratizing access to venture capital [1] - NFT fragmentation technology enables ordinary investors to share in the appreciation of high-value digital art by dividing it into thousands of shares [1] Group 2: Technological Impact - Big data and AI are reshaping investment decision-making, using alternative data sources like satellite imagery and social media sentiment to enhance predictive capabilities [2] - Music copyright funds are transforming intangible intellectual property into stable cash-generating financial assets, while permanent capital tools alleviate exit pressure [2] - These innovations collectively lower barriers to entry, improve efficiency, and enhance transparency in investment practices [2] Group 3: Changing Investor Demands - The new generation of investors seeks models that align their financial interests with social values, moving beyond traditional risk-reward frameworks [4] - The rise of impact funds reflects a desire for investments that contribute to environmental and social causes, indicating a shift in investment philosophy [4] - Traditional private equity models are increasingly viewed as outdated, as they fail to meet the current expectations for fairness, stability, and sustainability [4] Group 4: Market Adaptation - Thoma Bravo, a prominent private equity firm, is introducing a new investment mechanism in China that eliminates traditional high entry barriers and focuses on risk management and guaranteed returns [4][5] - This approach combines global innovative practices with local market characteristics, signaling a potential maturation and diversification of the private equity landscape in China [5] - The transition towards more inclusive investment opportunities is expected to reveal the true value of private equity funds, marking the end of an era characterized by exclusivity [5]