Core Insights - In the first half of 2025, the company reported total revenue of 12.828 billion yuan, a year-on-year increase of 43.96%, with net profit attributable to shareholders reaching 4.330 billion yuan, reflecting a remarkable growth of 94.35% [1] - The company's investment banking and stock business revenues surged by 149.7% and 106.43% respectively, highlighting the strong momentum of Chinese investment banks [1][2] - The company completed 21 IPO projects for Chinese enterprises globally, raising a total of 11.144 billion USD, maintaining its market leadership [2] Business Performance - Investment banking revenue reached 1.445 billion yuan, with a year-on-year increase of 149.7%, while stock business revenue was 3.307 billion yuan, up 106.43% [2] - The company’s international business revenue grew by 75.66% to 4.024 billion yuan, accounting for nearly one-third of total revenue [3] - The company’s asset management and wealth management sectors also showed positive growth, with revenues increasing by 19.17% and 41.11% respectively [2] Strategic Initiatives - The company is actively implementing its "Five Major Articles" strategy, focusing on serving the real economy and national strategies, including investments in technology finance and green finance [3] - The company has made significant investments in new energy and new materials, and has underwritten a large number of green bonds [3] - The appointment of Wang Shuguang as president is expected to drive further breakthroughs across all business lines [4]

在宏观经济逐步复苏企稳之际，交行这张稳中有进的2025年"期中答卷"，无论对其自身长远发展，还是对助力实体经济稳健前行，都具有重要意义。 2025年，交行的业绩依然韧性十足。 8月29日晚，交行发布了半年报，业绩数据显示，上半年交行资产总额突破15万亿元，达15.44万亿元；营业收入1333.68亿元，同比增长0.77%；归母净利润 460.16亿元，同比增长1.61%。交行是少数几家实现营收与盈利双增的国有大行。 更难能可贵的是，在营收与利润双增长之际，交行的资产质量也随之迈上新台阶。截至6月末，交行不良贷款率1.28%，较上年末下降0.03个百分点；拨备覆 盖率209.56%，较上年末上升7.62个百分点。 此外，交行的中报也得到中金、华泰等多家头部券商的肯定。其中华泰证券在研报中表示："公司资产扩张提速，业绩增速改善，资产质量殷实，维持A/H 股增持/买入评级。" "韧性"底色 近年来，交行持续深耕高质量发展之路，将"韧性"理念深度融入经营发展的每一个环节，凭借这一坚定的战略导向，最终交出了一份颇具分量的成绩单。 规模稳健增长。截至6月末，交行资产总额达到15.44万亿元，较上年末增长3.59%，其中客 ...

Core Viewpoint - CITIC Bank Hefei Branch has evolved over 29 years to become a key player in supporting the local economy, aligning its development with national strategies and regional financial needs [1][4]. Group 1: Development and Growth - Established in August 1996, CITIC Bank Hefei Branch was the first joint-stock commercial bank in Anhui, growing from a few branches to 39 branches and 3 community banks, employing over a thousand staff [1]. - The branch has achieved a comprehensive financing scale of 264.6 billion yuan, with a year-on-year growth of over 10% as of mid-2023, providing strong financial support for regional economic development [4]. Group 2: Party Leadership and Governance - The branch emphasizes the importance of party leadership in financial stability, integrating political education and strict governance into its operations [2]. - It has implemented a comprehensive approach to party discipline, including regular educational activities and strict enforcement of regulations to maintain a clean and efficient working environment [2][3]. Group 3: Financial Services and Innovations - CITIC Bank Hefei Branch focuses on comprehensive financial services, including government financing, technology innovation, and equity financing, to meet local development needs [5][6]. - The branch has introduced innovative financial products and services, such as the first technology innovation bonds in the province, and has become a leader in various financial sectors [5][8]. Group 4: Commitment to Social Responsibility - The branch actively engages in green finance, with a green credit balance exceeding 20 billion yuan, supporting projects in energy conservation and environmental protection [8]. - It has also prioritized inclusive finance, with a focus on small and micro enterprises, achieving a balance of over 18 billion yuan in inclusive loans, benefiting nearly 9,800 clients [8]. Group 5: Future Outlook - Looking ahead, CITIC Bank Hefei Branch aims to continue its high-quality development by enhancing its service capabilities and aligning with national strategies, particularly in technology, green finance, and digital transformation [9][10].

2025年是"十四五"规划收官之年。近年来，我国坚定不移走中国特色金融发展之路，不断推动 金融高质量发展。随着科技金融、绿色金融、普惠金融、养老金融、数字金融标准体系和基础 制度的不断完善，金融行业积极探索、谋篇布局，以实际行动不断提升金融服务的可获得性和 便利度。 为了促进行业经验交流与学习，21世纪经济报道启动2025年度21世纪金融竞争力优秀案例征 集活动。本次案例征集活动将对金融机构的先进做法和优秀案例进行梳理总结，挖掘出年度优 秀样本案例，将先进实践经验转化为业务动能，推动行业健康发展。 本次案例征集将通过专家推荐、机构申报等形式公开进行，经由客观指标和主观指标共同研究 确定。相关结果将在2025年11月举办的"第二十届21世纪金融年会"上发布。 本次活动共征集四个方向的案例，包括综合类、服务类、产品类、品牌类。案例申报通道于9 月1日正式开放（ 详见申报链接 ），每家单位最多可申报2个案例，在申报时需按要求填写相 关介绍及申报理由。申报时间为2025年9月1日至10月17日。 申报咨询： 李女士 18801022580 SFC 出品丨21财经客户端 21世纪经济报道 编辑丨刘雪莹 赵女士 1512 ...

Core Viewpoint - The Bank of Communications reported a stable and positive performance in the first half of 2025, focusing on implementing national financial policies and enhancing service quality in various sectors [1][3]. Financial Performance - Total assets reached 15.44 trillion yuan, a year-on-year increase of 3.59% [3]. - Operating income was 133.368 billion yuan, and net profit attributable to shareholders was 46.016 billion yuan, reflecting year-on-year growth of 0.77% and 1.61% respectively [3]. Service to the Real Economy - The bank emphasized its role in supporting the real economy, with a customer loan balance of 9 trillion yuan, up 5.18% from the previous year [4]. - Technology loans exceeded 1.5 trillion yuan, with a notable increase in loans to small and medium-sized technology enterprises by 22.93% [4]. Green Finance Initiatives - The bank integrated green development into its business model, with a focus on sectors like steel, agriculture, and low-carbon industries [5]. - The balance of energy-saving and carbon-reduction loans grew by 6.58%, and the bank issued 145 billion yuan in green financial bonds [5]. Inclusive Finance Expansion - The bank enhanced support for small and micro enterprises, with inclusive loan balances reaching 852.401 billion yuan, a 12.96% increase [5]. Pension Finance Development - The bank aims to create a senior-friendly banking environment, with pension-related loans increasing by 21.39% [6]. Digital Finance Empowerment - A new digital operation center was established, with loans in the digital economy sector exceeding 286 billion yuan, reflecting an 8.52% increase [6]. Strategic Focus in Shanghai - The bank leveraged its Shanghai presence to support local financial market innovations, achieving significant transaction volumes in bond and swap markets [7][8]. Capital Strengthening - The bank raised 120 billion yuan through the issuance of 14.1 billion A-shares, enhancing its core capital and risk resilience [9]. Risk Management - The non-performing loan ratio was 1.28%, a decrease of 0.03 percentage points, while the provision coverage ratio increased to 209.56% [10].

Core Insights - Digital finance is a core driving force in the digital economy era, reshaping financial service paradigms and injecting strong momentum into new industrialization strategies, effectively addressing structural challenges in traditional financial services [1][14] - The integration of financial technology and industrial internet, along with an increasingly comprehensive multi-level policy support system, will deepen the integration of digital finance into the entire lifecycle of new industrialization [1][14] - Digital finance aims to facilitate China's transition from a "manufacturing giant" to a "manufacturing and financial powerhouse" [1][14] Group 1: Digital Finance as a Tool for New Industrialization - Digital finance utilizes data as a key production factor and technology as a core driving force, leveraging blockchain, artificial intelligence, and cloud computing to reshape the financial service ecosystem [2] - The People's Bank of China and seven other departments issued guidelines to accelerate the construction of a financial powerhouse and a manufacturing powerhouse, marking the improvement of top-level design for financial support in new industrialization [2] Group 2: Mechanisms of Digital Finance Empowerment - Digital finance evolves from a traditional "fund intermediary" role to an intelligent hub for the allocation of industrial factors, activating industrial data asset value and reconstructing credit generation and risk pricing mechanisms [3] - It addresses the challenges of financing information asymmetry, credit assessment difficulties, and low service efficiency faced by manufacturing enterprises [3] Group 3: Multi-layered Collaborative Mechanisms - Digital finance integrates multi-dimensional data to create precise credit profiles and establish dynamic risk control models, alleviating core obstacles of information asymmetry in traditional industrial financing [4] - It provides tailored financial solutions throughout the lifecycle of manufacturing enterprises, adapting to their developmental needs [5] Group 4: Challenges Facing Digital Finance - The presence of industrial data silos and algorithmic bias restricts the effectiveness of digital finance, leading to potential mislabeling of manufacturing enterprises as high-risk due to outdated parameters [7] - Regulatory frameworks are lagging behind the industrial data assetization process, creating legal uncertainties around data ownership and valuation [7] Group 5: Pathways for High-Quality Development - A comprehensive financial support system for innovation can be established, focusing on key technology breakthroughs and the transformation of results [8] - The development of a multi-credit financial model is essential to enhance the resilience of industrial chains, moving beyond traditional credit reliance [9] Group 6: Policy and Institutional Support - Establishing national standards for data sharing and improving regulations around data asset financialization are crucial for fostering innovation [13] - A balanced regulatory framework that encourages innovation while preventing discriminatory credit policies is necessary for the sustainable development of digital finance [13]

赵女士 15129261397 李女士 18801022580 本次活动共征集四个方向的案例，包括综合类、服务类、产品类、品牌类。案例申报通道于9月1日正式 开放（详见申报链接），每家单位最多可申报2个案例，在申报时需按要求填写相关介绍及申报理由。 申报时间为2025年9月1日至10月17日。 申报咨询： （原标题：21世纪金融竞争力优秀案例（2025年）启动申报） 2025年是"十四五"规划收官之年。近年来，我国坚定不移走中国特色金融发展之路，不断推动金融高质 量发展。随着科技金融、绿色金融、普惠金融、养老金融、数字金融标准体系和基础制度的不断完善， 金融行业积极探索、谋篇布局，以实际行动不断提升金融服务的可获得性和便利度。 为了促进行业经验交流与学习，21世纪经济报道启动2025年度21世纪金融竞争力优秀案例征集活动。本 次案例征集活动将对金融机构的先进做法和优秀案例进行梳理总结，挖掘出年度优秀样本案例，将先进 实践经验转化为业务动能，推动行业健康发展。 本次案例征集将通过专家推荐、机构申报等形式公开进行，经由客观指标和主观指标共同研究确定。相 关结果将在2025年11月举办的"第二十届21世纪金融年会" ...

Core Viewpoint - China Everbright Bank has been focusing on customer-centric digital financial services since 2025, integrating digital technology into business innovation and operations, particularly through platforms like "Everbright Cloud Payment," mobile banking, and "Xinyue Tong" [1] Group 1: Digital Financial Services - "Everbright Cloud Payment" has served over 2.3 billion users by the end of August 2025, with more than 19,000 payment collection projects integrated and over 500 new rural payment service projects launched [2] - The bank has expanded its non-tax collection services to cover 30 provinces and personal social security collection services to 28 provinces, enhancing the payment experience for elderly customers through a dedicated social security payment mini-program [2] - The platform offers a one-stop service combining payment convenience with wealth management products, including investment, insurance, and loans [2] Group 2: Mobile Banking Enhancements - Everbright Mobile Banking has over 68 million registered users and has strengthened its wealth management features in 2025, introducing various investment options and improving the user experience for fund purchases and loan selections [3][4] - The mobile banking platform has launched cross-border financial services, including personal asset certification and international remittance services in multiple currencies, catering to diverse customer needs [4] Group 3: Support for Corporate Digital Transformation - "Xinyue Tong" platform aids corporate digital transformation by providing comprehensive payroll services, significantly improving efficiency for large enterprises [5] - The bank has collaborated with major platforms like Meituan to offer enhanced employee benefits and digital management services, supporting businesses in their digitalization efforts [5] - In the real estate sector, the bank has established partnerships with local housing authorities to ensure secure transactions and smooth processes for home buyers and sellers [5] - The bank aims to continue advancing its digital transformation and expanding its digital financial product offerings to better serve social welfare and the real economy [5]

Core Viewpoint - The Bank of Communications reported a stable and positive performance in the first half of 2025, with total assets reaching 15.44 trillion yuan, a 3.59% increase from the previous year, and net profit attributable to shareholders growing by 1.61% year-on-year [1] Group 1: Financial Performance - Total operating income for the first half of 2025 was 133.368 billion yuan, with a year-on-year growth of 0.77% [1] - The bank's total assets reached 15.44 trillion yuan, reflecting a growth of 3.59% compared to the end of the previous year [1] Group 2: Support for the Real Economy - The bank has focused on supporting major national strategies and key sectors, with customer loan balances reaching 9 trillion yuan, a 5.18% increase from the previous year [2] - Technology loans exceeded 1.5 trillion yuan, with the number of supported enterprises growing by 11.12% year-on-year [2] Group 3: Green Finance Initiatives - The bank has integrated green development into its business model, with energy-saving and carbon-reduction industry loans increasing by 6.58% [3] - A total of 145 billion yuan in green financial bonds has been issued within China [3] Group 4: Inclusive Finance Expansion - Inclusive loan balances reached 852.401 billion yuan, marking a 12.96% increase from the previous year [3] Group 5: Pension Finance Development - Loans in the pension industry grew by 21.39%, with significant increases in social security card and personal pension business scales [4] Group 6: Digital Finance Empowerment - The bank established a digital operation center, with loans in the digital economy core industries exceeding 286 billion yuan, and internet loans growing by 8.52% [4] Group 7: Capital Strengthening - The bank raised 120 billion yuan through the issuance of approximately 14.1 billion shares, enhancing its core tier one capital [7] - The number of corporate customers increased by 3.75%, reaching 2.95 million [7] Group 8: Risk Management - The non-performing loan ratio was 1.28%, a decrease of 0.03 percentage points from the previous year, while the provision coverage ratio increased by 7.62% to 209.56% [8] - The bank disposed of 37.83 billion yuan in non-performing loans, a year-on-year increase of 27.9% [8]

Core Viewpoint - Weihai Bank focuses on enhancing financial service quality and efficiency while promoting social value creation alongside economic growth [1] Group 1: Green Finance - The bank established a dedicated Green Finance Department to conduct in-depth industry research and promote distinctive green finance development [1] Group 2: Inclusive Finance - Weihai Bank is exploring a "batch, scenario, and grid" service model to improve the coverage and precision of financial services, benchmarking against industry leaders [1] Group 3: Technology Finance - A Technology Finance Department was set up at the head office to innovate "investment-loan linkage" business scenarios and accelerate the exploration of new technology finance development models [1] Group 4: Digital Finance - The bank initiated the second phase of its digital transformation project to enhance digital marketing capabilities and intelligent risk control levels [1] Group 5: Pension Finance - Weihai Bank is enhancing its service capabilities for the elderly demographic to meet the growing financial service needs of this group [1] Group 6: Strategic Deployment - The bank is committed to deepening its strategic deployment of the "Five Major Articles" while ensuring steady performance growth, aligning its growth with social value creation [1]