但顾高臣也指出，上述三个"齿轮"一起转动，也会"卡壳"。"金融是让它们运转起来的'润滑剂'和'加速 器'。" 顾高臣进一步解释道，一方面，金融引导资金投向绿色产业，实现技术的快速落地，助力绿色转型；另 一方面，资本市场从"十四五"开始就不断优化完善各类措施和政策来助力企业实现技术创新上的融资。 顾高臣。资料图 东方证券绿色金融研究院研究员顾高臣在以"绿色转型与技术创新的平衡术"为主题的圆桌对话中，分享 了如何创新绿色金融工具，以更精准地满足企业在绿色转型、技术创新与ESG建设过程中的资金需求。 "绿色转型、技术创新和ESG建设这三者之间就像三个齿轮，紧密咬合，互相带动。"顾高臣分析，绿色 转型为技术创新指明方向、创造了市场需求；技术创新则为绿色转型提供了解决方案、实现价值增值， 而ESG则是一套评价体系，发挥约束和引导的作用。 顾高臣认为，"反内卷"给未来3~5年的绿色转型发展打下良好的基础，政策的发力点也将逐步从能源供 应侧向用户需求侧转移。"我们认为用户侧绿色低碳转型将带来更多市场机遇。7月国家能源局、工信部 和国家发改委联合发布开展零碳园区建设的通知，提出包括用能结构转型、园区节能降碳、优化园区产 业结 ...

Core Viewpoint - China Bank reported a revenue of 329.4 billion yuan for the first half of 2025, marking a year-on-year growth of 3.61% and a net profit of 117.59 billion yuan, indicating resilience amid global economic adjustments and domestic transformation efforts [1] Financial Performance - Total assets reached 36.79 trillion yuan, up 4.93% from the end of the previous year, while total liabilities increased by 4.85% to 33.66 trillion yuan [1] - Customer deposits grew by 8.50% year-on-year, totaling nearly 25.64 trillion yuan, with the proportion of customer deposits to liabilities rising by 0.78 percentage points [1] Strategic Initiatives - China Bank aims to implement a "Five Major Articles" strategy to enhance high-quality development, focusing on aligning financial supply with the real economy's needs [1] - The bank's technology loan balance reached 4.59 trillion yuan, with a growth rate of 13.18%, and it has introduced innovative products like "bond-loan linkage" [2] Green Finance - The green loan balance stood at 4.54 trillion yuan, reflecting a significant increase of 16.95% from the previous year, positioning China Bank as a leader in green finance among domestic banks [4] - The bank has actively participated in green bond issuance and has been involved in setting green bond standards [4][5] Inclusive Finance - The balance of inclusive loans for small and micro enterprises exceeded 2.65 trillion yuan, with a year-to-date growth of 16.39%, and the number of loan clients surpassed 1.72 million [6] - Agricultural loans reached 2.87 trillion yuan, with a growth rate of 14.69% [6] Digital Transformation - The monthly active users of the mobile banking app increased by 8.59% year-on-year, and the bank is leading in digital currency transactions [9] - China Bank is actively involved in digital currency initiatives and has completed cross-border payment transactions using digital currencies [9] Pension Finance - The bank has developed a comprehensive pension finance service system, focusing on cross-border and age-friendly services, and has launched various products to meet the needs of the elderly population [8] Overall Development Strategy - China Bank's transformation reflects a synchronization with China's economic structure transition, emphasizing a comprehensive approach to financial services that supports modernization [10] - The bank reported a non-performing loan ratio of 1.24%, a slight decrease from the beginning of the year, indicating effective risk management [10]

10年来，绿色金融已从摸索阶段进入快速发展阶段。雷曜表示，中国绿色金融是全球气候治理中不可或 缺的政策工具，为全球能源转型和绿色产业发展提供了市场化解决方案，提供了市场化金融资源，使环 境气候的复杂问题有可能在新市场边界内得到解决。当前，不少绿色金融、ESG领域概念已落地。 中国人民银行金融研究所副所长雷曜在主旨演讲环节中表示，支持绿色产业发展，金融市场需提升对环 境气候因素的定价能力，加强标准建设、信息披露、产品创新、国际合作和监管；并不断减少信披风 险，降低监管成本，提高定价效率。 雷曜表示，10年以来，在"两山"理念的引领下，在各方的共同努力下，中国的绿色金融创造性地提升了 现有金融机制，解决了上述市场难题。从规模上看，去年绿色债券发行量超过了六千亿元，存量超过两 万亿元，未来发展空间还很大；绿色贷款余额截至今年6月末同比增长25.5%，整个上半年的增速达到 14.4%。 同时，气候问题是典型的公共问题，具有难以量化、分配等特殊性。以商业化的机制来解决，需要承担 额外的成本，传统的市场机制很难解决气候问题。纠正市场参与者、组织者等主体观念，让市场主体愿 意分担气候成本成为关键问题。 雷曜总结了三方面的经 ...

Core Viewpoint - China Construction Bank reported a slight increase in revenue but a decline in net profit for the first half of 2025, highlighting challenges in net interest income due to market rate adjustments and a focus on key lending areas such as technology and green finance [2][3][6]. Financial Performance - The bank's operating income reached 394.27 billion RMB, a year-on-year increase of 2.15%, while net profit attributable to shareholders was 162.08 billion RMB, down 1.37% from the previous year [2][5]. - Net interest income was 286.71 billion RMB, a decrease of 3.16%, accounting for 72.72% of total revenue [3][5]. - Non-interest income showed growth, with net fee and commission income increasing by 4.02% to 65.22 billion RMB, and other non-interest income rising by 55.63% to 42.35 billion RMB [3][4]. Loan Growth and Sector Focus - The bank's loan and advance total reached 27.44 trillion RMB, up 6.20% from the end of the previous year, with significant growth in technology loans (up 16.81%) and green loans (up 14.88%) [5][6]. - Inclusive finance saw a 9.80% increase in loans to small and micro enterprises, totaling 3.74 trillion RMB [7]. Asset Management and Wealth Management - The bank's total assets amounted to 44.43 trillion RMB, a 9.52% increase year-on-year, with customer financial assets surpassing 22 trillion RMB, reflecting a 6.99% growth [5][8]. - The wealth management client base grew by nearly 4.5 million, with assets under management reaching 4.42 trillion RMB [9]. Asset Quality - The non-performing loan (NPL) ratio decreased to 1.33%, with a total NPL balance of 364.31 billion RMB, reflecting a slight increase from the previous year [10]. - The bank's risk management strategy aims to maintain stable asset quality and enhance risk management capabilities [11].

登录新浪财经APP 搜索【信披】查看更多考评等级 证券代码：601577 证券简称：长沙银行 编号：2025-042 优先股代码：360038 优先股简称：长银优1 一、重要提示 （一）本半年度报告摘要来自半年度报告全文，为全面了解本行的经营成果、财务状况及未来发展规 划，投资者应当到http://www.sse.com.cn网站仔细阅读半年度报告全文。 （二）本行董事会及董事、高级管理人员保证半年度报告内容的真实性、准确性、完整性，不存在虚假 记载、误导性陈述或重大遗漏，并承担个别和连带的法律责任。 （三）本行第八届董事会第二次会议于2025年8月28日召开，审议通过了2025年半年度报告及摘要，会 议应当出席董事7人，实际出席董事7人，郭子嘉女士、王宗润先生、曹虹剑先生、程青龙先生4人待任 职资格经监管部门核准后方可行使表决权。本行董事会秘书、首席风险官彭敬恩列席了本次会议。 （四）本半年度报告未经审计，天健会计师事务所（特殊普通合伙）对本半年度财务报告进行了审阅。 （五）董事会决议通过的本报告期利润分配方案 本行拟以2025年6月30日总股本4,021,553,754股为基数，向实施利润分配股权登记日登 ...

Core Viewpoint - The bank emphasizes high-quality development and strategic execution, focusing on customer-centric operations, risk control, and digital transformation to enhance overall business performance [15][16][17]. Company Overview - The bank's total assets reached 77,689.21 billion RMB, a decrease of 460.48 billion RMB or 0.59% from the previous year [16]. - The total liabilities amounted to 70,666.09 billion RMB, down by 917.92 billion RMB or 1.28% [16]. - The bank's net profit attributable to shareholders was 213.80 billion RMB, a decrease of 10.94 billion RMB or 4.87% year-on-year [17]. Financial Performance - Operating income increased to 723.84 billion RMB, up by 52.57 billion RMB or 7.83% year-on-year [17]. - Net interest income was 492.03 billion RMB, reflecting a year-on-year increase of 6.21 billion RMB or 1.28% [17]. - Non-interest income reached 231.81 billion RMB, a rise of 46.36 billion RMB or 25.00% compared to the previous year [17]. Risk Management - The bank's non-performing loan (NPL) ratio stood at 1.48%, slightly up by 0.01 percentage points from the previous year [18]. - The provision coverage ratio improved to 145.06%, an increase of 3.12 percentage points year-on-year [18]. Business Review - The bank served 12.19 million technology enterprises, with 2.80 million being specialized and innovative clients [20]. - Green finance initiatives included issuing 100 billion RMB in green bonds, with a green loan balance of 3,264.85 billion RMB, up by 286.81 billion RMB or 9.63% [22]. - Inclusive finance efforts resulted in a balance of 6,667.51 billion RMB in loans to small and micro enterprises, with 48.29 million clients served [24]. Retail Banking - Retail customer assets totaled 31,539.76 billion RMB, an increase of 2,077.29 billion RMB or 7.05% [36]. - The number of retail customers reached 139.52 million, growing by 3.89% year-on-year [37]. - Retail loans amounted to 17,232.78 billion RMB, a decrease of 274.83 billion RMB or 1.57% [36]. Digital Transformation - The bank launched 152 key features on its digital platform, enhancing service capabilities and customer experience [27][28]. - Online retail platform users reached 124.49 million, a growth of 3.18% from the previous year [28]. International Business - The Hong Kong branch's total assets grew to 236.93 billion HKD, an increase of 11.83% year-on-year [52]. - The branch's net income was 1.648 billion HKD, reflecting a year-on-year growth of 22.62% [52].

Core Viewpoint - The report highlights the significant growth in the company's financial performance for the first half of 2025, with substantial increases in revenue and profit compared to the same period in 2024, reflecting a positive market environment and effective business strategies [3][4][5]. Financial Performance Summary - Total revenue for the first half of 2025 reached RMB 12.83 billion, a 43.96% increase from RMB 8.91 billion in the same period of 2024 [3]. - Total profit amounted to RMB 5.16 billion, representing a 109.91% increase from RMB 2.46 billion year-on-year [3]. - Net profit attributable to shareholders was RMB 4.33 billion, up 94.35% from RMB 2.23 billion in 2024 [3]. - The net cash flow from operating activities surged to RMB 31.59 billion, a 212.36% increase compared to RMB 10.11 billion in the previous year [3]. Key Financial Indicators - Basic earnings per share rose to RMB 0.814, a 106.91% increase from RMB 0.394 in 2024 [3]. - The weighted average return on equity increased to 4.16%, up 2.03 percentage points from 2.12% [3]. - Total assets as of June 30, 2025, were RMB 699.76 billion, a 3.71% increase from RMB 674.72 billion at the end of 2024 [3]. Market Environment and Economic Context - The Chinese economy showed steady growth with a GDP increase of 5.3% year-on-year in the first half of 2025, supported by strong domestic consumption and investment [5][6]. - The securities industry experienced significant profitability growth, with A-share daily trading volume increasing by 61% to RMB 13.90 billion [5][6]. - The capital market reforms and supportive macroeconomic policies contributed to a favorable environment for the company's operations and growth [6][7]. Business Strategy and Development - The company aims to enhance its core competitiveness by focusing on serving national development goals, supporting the real economy, and promoting capital market reforms [7][8]. - The strategic vision includes expanding into new markets and enhancing service offerings to meet diverse client needs [8][10]. - The company has established a strong international presence, providing cross-border services and capitalizing on global market opportunities [10][11]. Investment Banking and Market Position - The investment banking segment reported a significant increase in equity financing, with a total financing scale of RMB 6,229.04 billion, up 720.7% year-on-year [18]. - The company maintained a leading position in the Hong Kong IPO market, completing 42 IPOs with a total financing scale of USD 14 billion, a 713.7% increase [18]. - The company is well-positioned to benefit from ongoing capital market reforms and the increasing demand for financial services [6][7].

半年度报告 兴业证券股份有限公司 重要提示 一、本公司董事会及董事、高级管理人员保证半年度报告内容的真实性、准确性、完整性，不 存在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的法律责任。 二、公司全体董事出席董事会会议。 三、本半年度报告未经审计。 四、公司负责人苏军良、主管会计工作负责人许清春及会计机构负责人（会计主管人员）马亚 静声明：保证半年度报告中财务报告的真实、准确、完整。 五、董事会决议通过的本报告期利润分配预案或公积金转增股本预案 无 六、前瞻性陈述的风险声明 √适用 □不适用 本报告所涉及的公司发展战略、经营计划等前瞻性陈述，不构成对投资者的实质承诺，投资者及相关人士均应当对此 保持足够的风险认识，并且应当理解计划、预测与承诺之间的差异。 七、是否存在被控股股东及其他关联方非经营性占用资金情况 否 八、是否存在违反规定决策程序对外提供担保的情况 否 九、是否存在半数以上董事无法保证公司所披露半年度报告的真实性、准确性和完整性 否 十、重大风险提示 公司已在本报告中详细描述可能面对的风险，敬请查阅本报告"第三节 管理层讨论与分析 – 五、其他披露事项 -（一） 可能面对的风险"中相关陈述。 ...

主营业务收入全面增长 2025年上半年，国泰海通依托合并后业务规模扩大优势，全面推进零售、机构和企业三大客户服务体系 建设，巩固提升核心竞争优势，各项业务稳步发展，主要业务收入明显增长。 财富管理业务实现营业收入97.72亿元，同比增长92%。境内个人资金账户数3845万户，较上年末增长 4%；君弘App及通财App平均月活1558万户，较上年增长10%；金融产品月均保有规模4530亿元，较上 年增长13%；融资融券余额1809.96亿元，排名行业第一。 炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ 转自：上海证券报 新华财经上海8月30日电 8月29日晚间，国泰海通发布2025年半年度报告，这是公司完成合并后的首份 半年报。上半年，国泰海通扎实做好金融"五篇大文章"，加快释放整合融合效能，实现营业收入238.72 亿元，同比增长78%；归母净利润157.37亿元，同比增长214%；扣非归母净利润72.79亿元，同比增长 60%。 今年7月，国泰海通完成2024年度分红，每股分配红利0.28元（含税），分红比例超过48%（含2024年 中期分红），位居头部券商前列。本次公司披露20 ...

齐鲁银行股份有限公司 （股票代码：601665） 重要提示 一、本行董事会、监事会及董事、监事、高级管理人员保证半年度报告内容的真实性、准确性、完 整性，不存在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的法律责任。 二、本行于 2025 年 8 月 27 日召开第九届董事会第十六次会议，审议通过了 2025 年半年度报告及其 摘要。会议应出席董事 13 名，实际出席董事 12 名，王庆彬董事因个人原因委托张骅月董事代为出 席并表决。 三、本半年度报告未经审计，已经毕马威华振会计师事务所（特殊普通合伙）审阅并出具了审阅报 告。 四、本行法定代表人及董事长郑祖刚、行长张华、首席财务官高永生、财务部门负责人吕文珍保证 半年度报告中财务报告的真实、准确、完整。 五、根据 2024 年度股东大会授权，本行董事会将适时确定 2025 年中期利润分配相关事宜。 六、前瞻性陈述的风险声明 本半年度报告涉及未来计划、发展战略等前瞻性陈述，该计划不构成本行对投资者的实质承诺， 投资者及相关人士均应当对此保持足够的风险认识，并且应当理解计划、预测与承诺之间的差异。 七、本行不存在被控股股东及其他关联方非经营性占用资金的情况。 ...