证券日报网1月6日讯，苏州银行（002966）在接受调研者提问时表示，截至2025年9月末，集团核心一 级资本充足率9.79%，一级资本充足率11.55%，资本充足率13.57%，各项资本充足率指标均符合监管要 求和集团资本规划管理目标。本行将着眼未来提前规划，一方面密切跟踪再融资相关政策要求，另一方 面持续优化业务结构，提升资本使用效率，有效支撑业务可持续高质量发展。 ...

印度证券交易委员会于周五发布的一份公告显示，该机构已针对投资银行出台新规，内容涵盖提高资本 充足率要求、强化合规监管措施等方面。 现有投资银行将拥有两年过渡期，以全面落实新规要求。 大型投资银行需在2027年1月前将资本充足率对应的最低净资产维持在2.5亿卢比，2028年1月前进一步 提升至5亿卢比； 小型投资银行则需在2027年1月前将该指标达标线设为7500万卢比，2028年1月前提升至1亿卢比。 责任编辑：刘明亮 印度证券交易委员会于周五发布的一份公告显示，该机构已针对投资银行出台新规，内容涵盖提高资本 充足率要求、强化合规监管措施等方面。 现有投资银行将拥有两年过渡期，以全面落实新规要求。 大型投资银行需在2027年1月前将资本充足率对应的最低净资产维持在2.5亿卢比，2028年1月前进一步 提升至5亿卢比； 小型投资银行则需在2027年1月前将该指标达标线设为7500万卢比，2028年1月前提升至1亿卢比。 责任编辑：刘明亮 ...

● 李玉敏 李蕴奇 威海银行补充资本，源自资本充足率下降带来的压力，该行核心一级资本充足率承压尤其严重。根据威 海银行公告，截至今年9月末，该行资本充足率11.89%，一级资本充足率10.04%，核心一级资本充足率 8.02%。与2024年末相比，三项指标分别降低了1.87个百分点、0.78个百分点、1.29个百分点。而根据 《商业银行资本管理办法》的相关规定，商业银行资本充足率不得低于10.5%，一级资本充足率不得低 于8.5%，核心一级资本充足率不得低于7.5%。 12月21日，威海银行发布公告称，该行与津联集团订立H股认购协议，拟向津联集团发行不超过1.5亿股 H股，募集资金净额将全部用于补充该行核心一级资本。目前，中小银行资本充足率水平承压，迫近监 管红线。为满足监管要求，实现自身可持续发展，多家中小银行正通过增资扩股等方式加快资本补充步 伐。 威海银行定增落地 威海银行在公告中表示，该行于12月21日与津联集团订立H股认购协议，拟向津联集团发行不超过1.5亿 股H股，津联集团认购价为每股H股人民币3.29元，现金代价不超过4.935亿元。 公告显示，津联集团间接由天津市人民政府国有资产监督管理委员会 ...

12月18日，标普信用评级(中国)有限公司(以下简称"标普信评")召开了2026年银行业展望会议。该机构 对2025年商业银行的整体经营状况进行了简要回顾，并从信用质量、规模增长、资本充足、盈利能力、 资产质量等维度，对2026年商业银行的经营进行展望。 标普信评认为，回顾2025年，商业银行规模增速整体平稳，资本保持充足，但是盈利能力承压。2026年 行业预计稳字当头，但是需要关注盈利压力和局部风险。 作为资产端的重要组成部分，商业银行的金融投资业务近年来颇受关注。过去几年的债券牛市行情为商 业银行的金融投资业务带来了可观的收益，但2025年以来债市波动加剧，对商业银行债券投资带来了一 定挑战。邹雪飞表示，2026年预计商业银行的债券投资策略将由较为单一的趋势性配置转向收益、资 本、流动性等多种目标兼顾的平衡性策略。 资本充足率方面，邹雪飞表示，预计2026年商业银行的一级资本充足率维持在12%左右，同时资本结构 保持稳定。一是基于今年财政部发行5000亿元特别国债注资国有大行，二是地方政府通过发行专项债支 持中小银行补充资本。需要注意的是，如果房地产回稳不及预期或零售坏账持续上升，部分中小银行的 资本韧性 ...

Core Viewpoint - UBS shares rose nearly 4% pre-market, reaching $44.37, the highest since 2008, following a compromise proposal by Swiss lawmakers regarding new capital rules for the bank [1] Group 1: Capital Regulation Changes - Swiss lawmakers proposed a compromise to ensure UBS remains competitive internationally after its acquisition of Credit Suisse [1] - The Swiss government initially suggested that UBS should increase the capital adequacy ratio of its foreign subsidiaries to 100% from the current 60% to cover potential overseas losses [1] - UBS indicated that this reform would require an additional $24 billion in capital [1] Group 2: Alternative Capital Solutions - A parliamentary group proposed allowing UBS to use Additional Tier 1 (AT1) debt to meet up to 50% of the capital requirements for its foreign subsidiaries, easing the bank's burden [1]

Core Viewpoint - Chongqing Sanxia Bank has faced significant regulatory penalties due to compliance failures, highlighting systemic issues in its internal controls and risk management practices [1][3][4]. Regulatory Penalties - On December 12, Chongqing Sanxia Bank was fined 8.9 million yuan for eight violations, including inadequate internal controls and improper loan issuance [1][3]. - The bank's management, including former chairman Ding Shilu, faced severe repercussions, with Ding receiving a lifetime ban from the banking industry [3][4]. - This penalty follows a previous fine of 5.592 million yuan in July for various regulatory breaches, totaling 14.492 million yuan in fines within five months [4][6]. Management Accountability - The bank's senior management has been held accountable, with significant penalties imposed on other executives, including a 10-year disqualification for the former vice president [4][5]. - The ongoing compliance issues reflect a deeper, systemic problem within the bank's operational framework [4][5]. IPO Challenges - Chongqing Sanxia Bank has struggled with its IPO process, facing delays and complications due to regulatory scrutiny and management issues [6][7]. - The bank's IPO application was stalled after the implementation of the A-share registration system in March 2023, resulting in it being classified as a "laggard" among its peers [7][8]. Financial Performance - As of the end of the third quarter of 2025, the bank reported total assets of 365.345 billion yuan, an 8.72% increase from the beginning of the year, and a net profit of 999 million yuan, up 5.43% year-on-year [7][8]. - Despite revenue growth, the bank's capital adequacy ratios have declined, with the core tier one capital ratio dropping to 8.46% [8][9]. Strategic Direction - The bank aims to focus on serving local economies and small enterprises while enhancing its financial services in technology, green finance, and digital banking [9][10]. - Analysts suggest leveraging state-owned shareholder resources to improve financial stability and explore strategic partnerships to enhance operational efficiency [10][11].

Group 1 - Swiss lawmakers proposed a compromise on new capital rules for UBS Group to ensure its international competitiveness, leading to a rise in the bank's stock price to its highest level since 2008, with a pre-market increase of over 1.5% to $43.3 [1] - The Swiss government previously suggested that UBS, after acquiring the failing Credit Suisse in 2023, should increase the capital adequacy ratio of its foreign subsidiaries to 100% from the current 60% to cover potential overseas losses [1] - Following media reports of the compromise proposal by a group of lawmakers, UBS's stock price has doubled since the acquisition of Credit Suisse [1] Group 2 - The proposal supports setting the world's strictest capital rules for UBS, emphasizing that the gap between these regulations and those of major financial centers should not be so large as to affect competitiveness [2] - The plan also includes a suggestion to limit investment banking activities to 30% of the bank's risk-weighted assets on its balance sheet, with UBS stating that the proposal is more constructive than the government's extreme approach [3] - The Swiss Finance Ministry has submitted its proposal and will decide how to proceed in due course, with reports indicating that the government is prepared to soften some of the new regulations [3]

瑞银(UBS.US)盘前涨超3%，报44美元。消息面上，瑞士议员就瑞银的资本监管规则提出折衷方案，旨 在加强对该行的资本监管，同时确保其保持国际竞争力。瑞士政府此前提出的改革计划要求瑞银将其海 外子公司的资本充足率从目前的60%提高到100%，这意味着瑞银需要额外筹集240亿瑞士法郎的资本。 根据瑞士议员最新的提议，瑞银应被允许使用所谓的额外一级资本(AT1)来满足其海外子公司高达50% 的资本充足率要求，这将减轻该行的负担。(格隆汇) ...

Core Viewpoint - The recent announcements from major state-owned banks regarding capital replenishment reflect a broader trend of capital enhancement among these institutions, with China Construction Bank (CCB) completing a significant issuance of A-shares to increase its registered capital [1][7]. Group 1: Capital Increase Details - China Construction Bank announced on December 9 that it completed the issuance of approximately 11.589 billion A-shares, raising its registered capital from RMB 2500.11 billion to RMB 2616.00 billion [1][4][7]. - The issuance was approved by the National Financial Regulatory Administration, allowing CCB to increase its registered capital by RMB 115.89 billion [4][7]. Group 2: Context of Capital Replenishment - The capital increase is part of a collective effort by major state-owned banks to enhance their capital bases, as highlighted in the government's work report which proposed issuing special government bonds worth RMB 500 billion to support these banks [7][15]. - In March, four major banks, including CCB, announced plans to issue A-shares to raise a total of RMB 4.1 trillion, with CCB aiming to raise up to RMB 1650 billion [7][15]. Group 3: Implications for Capital Adequacy - The capital increase is expected to directly improve the core Tier 1 capital adequacy ratio of CCB and other banks, which is crucial for risk management and supporting the real economy [7][16]. - While the increase in share capital may dilute earnings per share in the short term, it is anticipated to enhance the banks' competitive edge and long-term return expectations for investors [8][16].

近日，国有大行资本补充工作陆续迎来关键进展。 12月9日，建设银行（601939）发布公告称，该行于2025年6月完成向特定对象发行约115.89亿股A股股票，该行注册资本由人民币2500.11亿元增加至人 民币2616.00亿元。 公告显示，近日该行收到国家金融监督管理总局行政批复，同意该行注册资本增加115.89亿元人民币，由2500.11亿元增加至人民币2616.00亿元。 股票代码:601939 公告编号:临 2025-069 山国 长 前 ： China Construction Bank 中国建设银行股份有限公司 关于注册资本变更获 国家金融监督管理总局核准的公告 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或 者重大遗漏,并对其内容的真实性、准确性和完整性承担法律责任。 中国建设银行股份有限公司(以下简称本行)于2025年6月完 成向特定对象发行 11.589.403.973 股 A 股股票,本行注册资本由人民 币 250.010.977.486 元增加至人民币 261.600.381.459 元，详情请参见 登载于上海证券交易所网站(www.sse.com.cn)的相关内容 ...