【环球网财经综合报道】近日，上海农商银行（股票简称"沪农商行"，601825.SH）发布了2024年年度报告，数据显示公司全年实现营业净收入266.41亿 元、同比增长0.9%，实现归母净利润122.88亿元、同比增长1.2%，扣非后归母净利润同比增长2.75%。 与此同时，上海农商银行在2024年内规模实力稳步增长、资产质量扎实、业务结构持续优化。具体来看，截至2024年末，该行总资产达1.49万亿元，较 上年末增长了6.87%，进一步稳固了万亿银行俱乐部的地位；吸收存款从上年末的1.04万亿元增加到2024年末的1.09万亿元，贷款与垫款总额从上年末的 7114.83亿元增加到2024年末的7552.19亿元，进一步为实体经济发展提供了更多金融资源。 资产质量方面，截至2024年末，该行不良贷款余额为72.95亿元，不良贷款率为0.97%、与上年度持平；安全性指标方面，该行资本净额1452.66亿元、较 上年同期增加117.48亿元，资本充足率为17.15%，较上年同期的15.74%小幅提升。 在良好的业绩表现，以及持续提升的资本规模和资产结构的背后，是上海农商银行围绕"价值创造"这一核心宗旨，在企业经营 ...

Core Viewpoint - Chengdu Bank has demonstrated robust growth in business scale, operating income, and net profit in 2024, achieving high-quality development while optimizing asset quality [2][4]. Financial Performance - Total assets reached 1.2501 trillion yuan, an increase of 158.87 billion yuan, or 14.56% year-on-year [3] - Total deposits amounted to 885.86 billion yuan, up by 105.44 billion yuan, or 13.51% [3] - Total loans stood at 742.57 billion yuan, increasing by 116.83 billion yuan, or 18.67% [3] - Operating income was 229.82 billion yuan, a year-on-year increase of 12.79 billion yuan, or 5.89% [3] - Net profit attributable to shareholders reached 128.58 billion yuan, up by 11.87 billion yuan, or 10.17% [3] - The non-performing loan ratio decreased to 0.66%, marking a nine-year decline [3][4]. Strategic Initiatives - Chengdu Bank is focusing on five key financial areas to enhance economic development, including technology finance, green finance, inclusive finance, pension finance, and digital finance [5][6]. - The bank has launched 18 technology finance products and has engaged with over 3,000 technology enterprises [6]. - Green credit balance reached 49.77 billion yuan, growing by 22.87% year-on-year, with significant contributions to low-carbon industries [6]. - Inclusive finance initiatives have reached over 40,000 small and micro enterprises, with loan growth exceeding the bank's average [7]. Regional Economic Integration - Chengdu Bank is deeply integrated into the regional economy, supporting major infrastructure projects with over 38 billion yuan in funding [8]. - The bank has aligned its services with national strategies such as the Belt and Road Initiative and the Chengdu-Chongqing Economic Circle [8]. Customer Base and Digital Transformation - The bank's retail customer base surpassed 10 million, with significant growth in personal loans and savings deposits [12]. - Digital transformation efforts have led to a substantial increase in mobile banking users, enhancing operational efficiency and customer experience [12]. Future Outlook - As of early 2025, total assets reached 1.335 trillion yuan, with continued growth in deposits and loans [13]. - The bank aims to strengthen its foundational financial services while enhancing its business model to adapt to evolving market conditions [13].

截至5月6日，A股上市银行2025年第一季度报告已披露完毕。《证券日报》记者以13家有一季度对公贷 款数据披露的主要上市银行（包括6家国有大行和7家全国性股份制银行）为分析样本，经梳理统计发 现，截至一季度末，13家上市银行的对公贷款均较上年末实现稳健增长。邮储银行以接近10%的对公贷 款增速位居国有大行首位；中信银行、浦发银行的对公贷款增速均超8%，领先其他全国性股份制银 行。 受访专家普遍认为，国有大行等主要银行对实体经济重点领域保持较大的贷款投放力度，持续调整优化 资产负债结构，有力支持经济高质量发展。 浦发银行科技金融、供应链金融等领域的贷款增速同样亮眼。截至一季度末，该行对公贷款（不含贴 现）余额为3.31万亿元，较上年末增加2460.08亿元，增长8.03%。科技金融方面，该行科技金融贷款余 额达6822亿元，较上年末增加近800亿元，增长13.25%；供应链金融融资余额为512.18亿元，较上年末 增长53.58%。 中国银行研究院研究员李一帆表示，银行发力对公信贷业务能助力实体企业发展，推动金融"五篇大文 章"涉及的产业领域实现转型升级、蓬勃发展。 重点领域贷款保持高增长 综合来看，上述13家 ...

4月29日，浦发银行发布2025年一季报，主要经营指标延续向好态势，营收净利实现双增，资产负债结构不断优 化，贷款净增量创近年来单季新高，特色产品经营提质增效，重点非息收入稳健增长，在复杂多变的市场环境中 保持了较好的发展韧性，高质量发展基础进一步夯实。 2025年以来，浦发银行以"数智化"战略为驱动，围绕金融"五篇大文章"与核心赛道精准发力，持续发挥区位优势， 服务实体经济有力有效。 经营质效稳步提升 从一季度的经营情况来看，在扎实做好金融"五篇大文章"，服务上海"五个中心"建设的大背景下，浦发银行各项经 营指标稳步向好，数智化战略成效逐步显现，展现出强劲的发展动力和良好的发展态势。 财报显示，浦发银行今年一季度实现营业收入459.22亿元，同比增长1.31%；实现归属于母公司股东的净利润175.98 亿元，同比增长1.02%，营收净利实现双增。 资产规模方面，截至报告期末，该行资产总额9.55万亿元，其中，本外币贷款总额（含票据贴现）5.58万亿元。负债 总额8.8万亿元，其中，本外币存款总额5.47万亿元。 进一步从增量来看，浦发银行在今年一季度实现存贷两旺。贷款总额（不含票据贴现）较上年末增长超250 ...

Core Insights - Lanzhou Bank reported a revenue of 2.037 billion yuan for Q1 2025, a year-on-year increase of 3.26%, and a net profit of 559 million yuan, up 2.36% from the previous year [1] - The bank's total assets exceeded 490 billion yuan, reaching 492.69 billion yuan, with a growth of 1.32% since the beginning of the year [1] - The bank's loan issuance increased by 7.18% to 262.99 billion yuan, marking the largest growth in five years [1] Financial Performance - The bank's investment income showed significant growth, and asset quality was well-managed, with a non-performing loan ratio of 1.81%, down 0.02 percentage points from the beginning of the year [1] - The provision coverage ratio stood at 200.16%, and the cost-to-income ratio was 29.67% [1] Business Strategy - The bank is focusing on key areas such as private enterprises, major projects, real estate, and syndicate mergers and acquisitions to drive growth [2] - Efforts are being made to optimize deposit structures and manage interest rates to reduce costs [2] Corporate Banking - The bank supported 473 technology enterprises with a loan balance of 15.786 billion yuan, an increase of 29.62% since the beginning of the year [2] - Green loan balance reached 15.531 billion yuan, with a net increase of 3.13 billion yuan, reflecting a growth of 2.06% [2] Retail Banking - The total financial assets of personal customers reached 296.73 billion yuan, with an increase of 1.73% since the beginning of the year [3] - The bank launched various marketing activities to boost personal loans, resulting in a new mortgage issuance of 1.004 billion yuan [3] Inclusive Finance - The balance of inclusive small and micro loans was 14.698 billion yuan, with a growth rate of 6.55% [4] - The average interest rate for inclusive small and micro loans decreased by 44 basis points to 4.65% [4]

Core Viewpoint - Lanzhou Bank reported stable financial performance in 2024, with a slight increase in net profit and a solid asset quality, while focusing on enhancing operational efficiency and supporting local economic development [1][2][3]. Financial Performance - In 2024, Lanzhou Bank achieved total operating income of 7.854 billion yuan and net profit attributable to shareholders of 1.888 billion yuan, representing a year-on-year growth of 1.29% and 0.56% respectively [1]. - The bank's total assets reached 486.285 billion yuan, a year-on-year increase of 7.25%, with total loans and advances amounting to 245.369 billion yuan, up 3.07% [1]. - The non-performing loan ratio stood at 1.83%, with a provision coverage ratio of 201.6%, reflecting a 4.09 percentage point increase from the beginning of the year [1][3]. Market Position - Lanzhou Bank maintained a stable market share in Gansu Province, with a deposit market share of 12.30% and a loan market share of 9.95%, ranking first and second in the province respectively [2]. - The bank has over 6.75 million customers, indicating strong brand recognition and support from the local community [2]. Customer Growth - The bank expanded its customer base significantly, adding 19,200 corporate settlement clients and 1180 corporate credit clients, along with 200,300 personal asset under management clients [3]. Asset Quality - The bank's asset quality remained stable, with a non-performing loan ratio of 1.83% and a provision coverage ratio exceeding 200% for the first time [3]. Strategic Initiatives - Lanzhou Bank is focusing on four key areas: risk reduction, innovation, market expansion, and strengthening its foundation to enhance operational efficiency [2][4]. - The bank is committed to supporting the local economy through targeted lending, including a 27.45% increase in loans to high-end manufacturing [5]. Social Responsibility - The bank is actively promoting inclusive finance, with microfinance loans reaching 13.794 billion yuan and agricultural loans exceeding 20 billion yuan [6]. - Initiatives such as the "Lanzhou Women's Loan" aim to support female entrepreneurs and contribute to rural revitalization [6].

近日，北京银行披露的2024年度报告显示，截至2024年末，北京银行资产总额42215.42亿元，较上年末 增长12.61%，2024年实现营业收入699.17亿元，同比增长4.81%；不良贷款率1.31%，较上年末下降0.01 个百分点。整体发展均衡，凸显经营韧性。同时，围绕金融"五篇大文章"，北京银行服务实体经济能力 不断增强，通过绿色转型等夯实核心竞争力。 北京银行董事长霍学文在致辞中表示，2024年是实现"十四五"规划目标任务的关键一年，也是北京银行 在转型浪潮中勇毅前行的重要一年。面对复杂多变的内外部环境，北京银行坚持以习近平新时代中国特 色社会主义思想为指导，一体推进全面从严治党、全面从严治行、全面风险管控、全面数字化经营，践 行金融工作政治性、人民性，担当作为、攻坚克难，以坚韧不拔的奋斗姿态交出了一份量质齐升的良好 答卷。 "稳字当头"，均衡发展中凸显经营韧性 2024年，扎根首都的北京银行，交出了超出市场预期的营收净利"双增长"成绩单。 深耕金融"五篇大文章"，书写服务实体经济生动篇章 近年来，银行业持续聚焦服务实体经济，围绕金融"五篇大文章"，坚定不移地加大对科技贷款、绿色贷 款以及普惠小微 ...

Core Insights - Lanzhou Bank reported a stable growth in asset scale and profitability for Q1 2025, with total assets exceeding 492.69 billion yuan, operating income of 2.037 billion yuan, and net profit of 572 million yuan, reflecting a year-on-year increase of 3.26% and 2.15% respectively [1] - The bank's non-performing loan ratio slightly decreased to 1.81%, and it achieved a significant increase in loan issuance, with a growth rate of 7.18%, the highest in five years [1] Financial Performance - Total assets reached 492.69 billion yuan, marking a significant milestone [1] - Operating income was 2.037 billion yuan, up 3.26% from the previous year [1] - Net profit stood at 572 million yuan, reflecting a 2.15% increase year-on-year [1] - The net interest margin improved to 1.46%, an increase of 0.03 percentage points [1] Business Development - Lanzhou Bank is focusing on financial support for technology innovation, advanced manufacturing, and green development, aligning with regional economic characteristics [2] - The bank has implemented a "容缺" acceptance mechanism for major projects and adopted a parallel processing model to enhance project approval efficiency [2] Customer Acquisition and Efficiency - The bank is expanding its corporate client base through targeted marketing strategies, including promotional activities for new registered enterprises [2] - Efforts are being made to improve online appointment services for account openings and to focus on key customer segments [2] Future Outlook - Lanzhou Bank aims to enhance quality and efficiency while adapting to changes in the operating environment, contributing to the development of the real economy and financial market stability [2]

作为中国信达资产旗下的信托公司，金谷信托坚守AMC系央企信托公司的功能定位，秉承"稳中求进 守 正创新"的总基调，积极践行金融工作的政治性、人民性，围绕"国家战略、实体经济、民生福祉和集团 主业"聚力提质，全面推动"五篇大文章"，坚持"专业化、特色化和差异化"发展理念。2024年，金谷信 托交出了一份满意的答卷，母公司实现营业收入14.11亿元，实现利润总额7.42亿元，实现了持续稳步增 长，为坚定不移走好中国特色金融发展之路持续夯实根基。 心系"国之大者" 强化使命担当，全面推动"五篇大文章" 2024年，金谷信托认真贯彻党中央的金融工作会议精神，积极推动 "五篇大文章"走深走实，五大领域 全面实现落地。 第一，响应科技强国战略，实施"科技金谷"助力新兴产业。2024年，金谷信托发挥资金募集与资源组合 优势，成立新疆建工资产支持商业票据（科创票据）信托，设立"中建商业保理2024年度中建新疆建工 供应链定向资产支持科创票据信托"，为医药高新区主体提供资金支持和综合服务方案，全方位赋能"科 技金融"。 发挥信托制度功能优势 服务集团主责主业 金谷信托深度围绕信达集团不良主责主业，协同场景更加丰富，通过一系列创 ...

第 622 期 宏观要闻 2025-04-30 央行召开落实金融"五篇大文章"总体统计制度动员部署会议 近日，中国人民银行召开落实金融"五篇大文章"总体统计制度动员部署会议，深化认识金融"五篇大文 章"统计工作的重要意义，全面部署制度落地工作。 焦点事件 4家公司将正式告别A股 4月29日晚间，*ST旭蓝发布公告称，公司于2025年4月28日收到深交所下发的《关于东旭蓝天新能源股 份有限公司股票终止上市的决定》，公司股票将于4月30日摘牌。 同日，*ST嘉寓发布公告称，公司于2025年4月25日收到深交所下发的《关于嘉寓控股股份公司股票终 止上市的决定》，公司股票将于4月30日摘牌。 此外，*ST东方、*ST富润也在4月28日公告，收到交易所终止上市决定，将于4月30日摘牌。 这7家上市银行同日宣布，不再设监事会 4月29日，包括工商银行、农业银行、中国银行、建设银行、交通银行五家国有大行和招商银行、华夏 银行相继披露的董事会决议公告显示，上述银行董事会均通过了修改公司章程并撤销或不再设立监事会 的相关议案。不过，相关议案尚需提交银行股东大会审议通过。从时间来看，上述7家全国性银行系首 批宣布拟撤销监事会的A ...