北京银行前身是由原北京 90 家城市信用社于 1996 年初组建而成的北京城市合作银行股份有限公 司， 1998 年更 名为 北京市商业银行股份有限公司 ， 2004 年正式更名为北京银行股份有限公司。 2005 年，北京银行引入外资战略投资者 荷兰国际集团 （ ING BANK N.V ）成为第一大股东， 2007 年在上交所 上市，股票代码为 601169 。 北京银行经营网络已经覆盖除北京外的，天津、石家庄、济南、青岛、上海、南京、苏州、杭州、宁波、深圳、 南昌、长沙、西安、乌鲁木齐等全国十余个中心城市，在香港特别行政区、荷兰设有代表处。但作为城市商业银行， 北京银行业务仍主要集中在北京及周边地区。 2024 年，京津冀及环渤海地区的营业收入、利润总额分别占全部收入和利润总额的 77.05% 和 85.66% 。 | 地区 | 营业收入 | 利润总额 | 资产总额 | | --- | --- | --- | --- | | 京津冀及环渤海地区 | 53,874 | 24,365 | 3,078,348 | | 长三角地区 | 6,936 | 1,675 | 636,718 | | 其他地区 | 9,10 ...

Brookline Bancorp (BRKL) Q1 2025 Earnings Call April 24, 2025 01:30 PM ET Company Participants Dario Hernandez - VP - Corporate CounselPaul Perrault - Chairman & CEOCarl Carlson - Co-President and Chief Financial & Strategy OfficerMark Fitzgibbon - Head of FSG ResearchSteve Moss - DirectorChristopher O'Connell - Director - Equity Research Conference Call Participants Laurie Hunsicker - Senior Equity Research Analyst Operator Good afternoon, and welcome to Brookline Bancorp, Inc. First Quarter twenty twenty ...

Civista Bancshares (CIVB) Q1 2025 Earnings Call April 24, 2025 01:00 PM ET Company Participants Dennis Shaffer - President, CEO & Vice ChairmanIan Whinnem - Interim Principal Accounting Officer, Senior VP & CFOBrendan Nosal - Director - Equity ResearchTerry Mcevoy - Managing DirectorRichard Dutton - Senior VP & COO Conference Call Participants Justin Crowley - Research AnalystManuel Navas - MD & Senior Research AnalystEmily Lee - Analyst Operator Before we begin, I would like to remind you that this confere ...

Independent Bank (IBCP) Q1 2025 Earnings Call April 24, 2025 11:00 AM ET Company Participants William Kessel - President & CEOJoel Rahn - Executive Vice President and Head of Commercial BankingGavin Mohr - EVP & CFOBrendan Nosal - DirectorDamon Delmonte - Managing Director Conference Call Participants Peter Winter - Managing Director - Senior Research AnalystNathan Race - Managing Director & Senior Research Analyst Operator Hello, everyone, and welcome to the Independent Bank Corporation Reports twenty twen ...

Financial Data and Key Metrics Changes - The company reported net income of $19.5 million or $1.21 per diluted share for Q1 2025, compared to $21.6 million or $1.34 per diluted share in Q1 2024, indicating a decrease in net income despite an increase in net interest income [16][18] - Average loans increased to $4.63 billion in Q1 2025 from $4.3 billion in Q1 2024, reflecting strong loan growth [16][20] - The loan to deposit ratio improved to 99% at the end of Q1 2025 from 108% at the end of Q1 2024 [8][19] Business Line Data and Key Metrics Changes - Commercial loan growth for Q1 2025 was $44 million, with an annualized growth rate of nearly 5% [8] - Mortgage banking income increased by 13% in Q1 2025 compared to Q1 2024, driven by a greater portion of mortgage production being sold rather than retained on the balance sheet [10][13] - Total non-interest income grew by 12% in core areas such as payroll, treasury management, and mortgage banking [12] Market Data and Key Metrics Changes - The company experienced a 24% increase in business deposits and a 9% increase in personal deposits for the twelve months ending March 31, 2025 [7] - The average deposits totaled $4.59 billion in Q1 2025, up from $3.97 billion in Q1 2024, reflecting a growth of over 15% [18][20] Company Strategy and Development Direction - The company aims to reduce the loan to deposit ratio into the mid-ninety percent range over time through a three-pronged approach focusing on business deposits, governmental and public unit deposits, and restructuring retail customer focus [6][7] - The management emphasized the importance of maintaining a strong capital position to support growth plans and navigate economic uncertainties [38][64] Management Comments on Operating Environment and Future Outlook - Management noted that the commercial loan pipeline remains strong, but uncertainty in the environment has shifted more discussions into the pipeline rather than committed loans [33][34] - The company expects loan growth to be in the range of 3% to 5% for the remainder of 2025, with a net interest margin projected between 3.45% and 3.55% [24] Other Important Information - The company recorded a provision expense of $2.1 million in Q1 2025, reflecting an increased allocation due to changes in the economic forecast [20][21] - Non-interest expenses increased by $1.2 million compared to the prior year, primarily due to higher salary and benefit costs [22][23] Q&A Session Summary Question: Outlook for loan growth and potential slowdown - Management indicated that the commercial pipeline has shifted more towards discussions due to uncertainty, leading to tempered expectations for loan growth [33][34] Question: Thoughts on capital deployment and share repurchase - Management stated that share repurchase remains a consideration, but the focus is on ensuring sufficient capital to support growth plans amid economic uncertainty [35][38] Question: Margin guidance and assumptions on rate cuts - Management provided guidance assuming no rate cuts, emphasizing a conservative approach to simulations and margin management [42][44] Question: CD repricing and loan yields - Management noted that a significant portion of CDs will mature in the next twelve months, with an average repricing expected to be around 75 basis points [48][49] Question: Credit trends and reserve levels - Management acknowledged the strong asset quality and indicated that reserve levels would be assessed based on ongoing economic uncertainty [61][64]

一、 2024 年经营有所回稳，利润仍在低位 截至 2024 年末，渤海银行总资产达到 1.84 万亿元 ，同比增长 6.41% ；当年实现营业收入 254.82 亿元 ，同比增长 1.94% ，营业收入在连续三年下降后终于在 2024 年实现正增长；当年归母净利润为 52.56 亿元 ，同比增长 3.4% ， 归母净利润也在经历 2 年连续负增长后实现了增速归正 。 二、净息差股份行最低，收入利润增长靠金融投资 2024 年，渤海银行净息差为 1.31% ，虽较 2023 年上升了 17 个 BP ，但仍处于相对较低水平，且 在 12 家股份行中最低。 | 银行名称 | 净息差 | 净利差 | | --- | --- | --- | | 招商银行 | 1. 98% | 1.86% | | 平安银行 | 1. 87% | 1. 83% | | 兴业银行 | 1. 82% | 1.56% | | 中信银行 | 1. 77% | 1. 71% | | 浙商银行 | 1. 71% | 1.52% | | 华夏银行 | 1.59% | 1. 61% | | 光大银行 | 1.54% | 1. 45% | | 广发银行 ...

以下文章来源于一个人的八卦 ，作者木精灵zjs 一个人的八卦 . 闲来无事聊八卦，忙时有事稍后看。你若亦有八卦事，欢迎随时来分享。 文 | 木精灵zjs 来源 | 一个人的八卦 编辑 | 杨兰 审核 | 浦电路交易员 倒爷一词，出现于上世纪80年代，流行于上世 纪80年代中后期至90年代初期。 在从计划经济转向市场经济的过程中，尤其是在价格双轨制时代，一些人利用计划内商品和计划外商品的价格差，在市 场上倒卖有关商品进行盈利，被人们戏称为倒爷。 倒爷的本质就是倒卖价格差，利用信息差和渠道差，最终实现价格差。这其实也是所有贸易的本质。我觉得倒爷两字， 能很形象地形容贸易商，所以今天就拿来借用一下，来形容一下我们铁矿贸易商。 从我2009年加入铁矿行业至今，已经15个年头。这期间，伴随着铁矿市场的巨大波动，以及铁矿市场交易模式的慢慢 走向成熟，铁矿市场格局的改变，倒爷们也经历了从风光无限到彷徨迷茫到步入困境的发展历程。 01 风光时刻 在矿圈，根据实力的强弱，倒爷总体可以分为两类。 第一类有很强的经济实力，能自己从国外进口铁矿或者请代理商进口铁矿，或者能从进口方先把铁矿自己买下来囤在手 里，等价格合适时机再出货。这 ...

华夏银行由首钢总公司（现更名为 "首钢集团有限公司"）于 1992 年独资组建， 1995 年实现股份 制改造，变更为有 33 家法人股东 的股份制商业银行 （首钢总公司仍是第一大股东）。 2003 年在上次 所上市，股票代码为 600015 。 一、传统收益下降，投资补位明显 截至 2024 年末，华夏银行总资产达到 4.38 万亿元 ，增速 2.86% ；当年实现营业收入 971.46 亿元 ，同比增长 4.23% ；实现归母净利润 276.76 亿元 ，同比增长 4.98% 。 2024 年华夏银行 主要规模类指标均保持正增长，整体经营尚可 。 随着商业银行净息差收窄，华夏银行等商业银行均在不断开拓非息收入，在手续费也下降的情况 下，依靠投资兼取价差成为其增收的手段。 从近五年看，利息净收入当然仍是营业收入最主要的组成部分，但 投资收益金额和占比在 2023 年 就超过了手续费和佣金净收入，成为营业收入第二大组成部分 。 二、存款占比较低 + 存款定期化，净息差持续收窄 2024 年华夏银行净息差为 1.59% ，较 2023 年大幅 下降 23 个 BP ，且近五年来基本每年下降均超 过 20 个 B ...

Home Bancshares (Conway, AR) (HOMB) Q1 2025 Earnings Call April 17, 2025 02:00 PM ET Company Participants Donna Townsell - SEVP and Director of IRJohn Allison - Chairman, President & CEOStephen Tipton - CEO - Centennial BankKevin Hester - President & Chief Lending OfficerChristopher Poulton - President - Centennial Commercial Finance GroupChristopher Poulton - President of Centennial Commercial Finance GroupMichael Rose - MD - BankingJohn Marshall - President of Shore Premier FinanceCatherine Mealor - Manag ...

一、营收继续下降，净利润略有回升 2024 年末，光大银行总资产为 6.96 万亿元 ，同比增长 2.75% 。当年实现营业收入 1354.15 亿元 ， 同比下降 7.05% ，营业收入连续 3 年下降。 2024 年实现归母净利润 416.96 亿元 ，同比增长 2.22% ， 在 2023 年净利润下降后 2024 年实现回正，盈利能力有所巩固。 二、规模扩张不及利率下降，营业收入连年负增长 在总资产规模增长且贷款总额也增长（ 2024 年末光大银行贷款总额 3.93 万亿元 ，同比增长 3.88% ）的背景下，光大银行营业收入还连年下降。究其原因一方面是 净息差下降较快 ， 2024 年光大银行净 息差为 1.54% ，较 2023 年下降 20 个 BP ；另一方面手续费及佣金净收入也持续下降。 2024 年光大银行规模扩张带来的利息净收入增加 57.79 亿元，但利率下降带来的 利息净收入下降 了 165.93 亿元 ，规模扩张的增长效应远抵不住利率下降的负面影响，最终导致利息净收入下降 108.14 亿元，同比降低 10.06% 。 2024 年光大银行零售金融业务营业收入为 550.96 亿元 ...