屡次出现同类违规，恒丰银行又被监管开出大额罚单！ 近日，国家金融监管总局披露，恒丰银行重庆分行因掩盖不良贷款等多项违法违规行为，被处以罚款260万元，同时3位 责任人遭到警告处罚。值得注意的是，这也是年内恒丰银行被开出的第三张百万元以上的大额罚单。据监管罚单统计， 年内恒丰银行因反洗钱业务、信贷业务等多项违规已合计被罚1755.68万元。 近年来，恒丰银行资产质量承压，不良贷款率在股份行中明显偏高，该行还通过大规模公开挂牌转让或转让给控股股东 的方式，急于处置不良包袱。另一方面，该行对资本金的渴求也十分明显，除了多次发行二级资本债补充资本外，近期 还再次筹划增资扩股，试图缓解核心资本充足率快速下行造成的拖累。 事实上，截至2024年末，该行历史遗留问题带来的未弥补亏损仍然居高不下，未分配利润仍多达-274.01亿元，这也是该 行2024年提出"全面启动上市"以来，所面临的诸多考验之一。 信贷业务屡次违规被罚 8月20日，据重庆金融监管局披露，恒丰银行重庆分行因涉及掩盖不良贷款，投资管理不到位，贷款"三查"不尽职三项违 法违规行为，合计被罚款共计260万元。 事实上，仅从被罚款金额来看，恒丰银行2025年以来被 ...

2025年8月13日，我行2025年第一期无固定期限资本债券在银行间市场成功发行，发行规模5亿元人民币，债券票面利率2.6%，全场认购倍数2.42倍，该债券 存续期与发行人持续经营存续期一致，在第5年及之后的每个付息日附发行人有条件赎回权。 此次无固定期限资本债券的募集资金用于补充我行其他一级资本，有利于优化我行资本结构，缓解资本补充压力，增强我行风险抵御和服务实体经济的能 力，促进业务稳健发展。 此次债券发行由行党委提前决策部署，并于2025年2月及5月分别获得中国人民银行及国家金融监督管理总局宁波监管局的发行许可。在债券发行过程中，总 行计划财务部按照行领导要求积极组织，紧盯审批，资金营运中心提早营销，严控成本，其他相关部门积极配合、高效协同，发行取得圆满成功。 ...

Group 1 - The core point of the article is that Qingdao Bank has received approval to issue capital supplement tools up to 2 billion RMB [1] - The bank's annual shareholders' meeting scheduled for May 28, 2025, will review the proposal for the issuance of capital supplement tools [1] - The approval from the Qingdao Regulatory Bureau allows the bank to independently decide on the specific types, issuance timing, batches, and scale of the tools within the approved limit [1]

今年以来，银行对于"二永债"（二级资本债、永续债）发行热情不减。 《国际金融报》记者注意到，截至8月7日，银行发行"二永债"总额已超万亿元。仅7月内，发行规模便 激增超2000亿元。与此同时，银行间发行情况出现分化：大行发行规模占据"半壁江山"，而中小银行成 为"二永债"发行数量的主力。 受访专家指出，"二永债"发行加速本质上源于银行对补充资本金的需求增大。全国性银行在资本充足率 和风险管控上表现更好，且受益于特别国债注资，资本补充需求得到缓解；中小银行则更看重"二永 债"的便利性。需要注意的是，中小银行发行"二永债"不是一劳永逸，应警惕资本补充后劲不足的风 险。 "二永债"发行加速 8月7日，又一笔总额为30亿元、由贵州银行发行的二级资本债成功落地。记者梳理Choice数据发现，今 年已有47家银行合计发行"二永债"69只，发行总额达到10464.60亿元，突破了万亿大关。 事实上，自今年二季度以来，银行发行"二永债"的节奏骤然加快。 数据显示，今年前两个季度，商业银行分别发行"二永债"9只、43只，总额分别达到1738.60亿元和6387 亿元。进入下半年，银行对"二永债"的热情依旧不减。记者注意到，仅7 ...

新华财经北京8月7日电（王菁）两周前，农业银行一笔600亿元二级资本债完成发行，掀开了银行业资 本补充潮的冰山一角。截至8月5日，银行年内已累计发行67只"二永债"（二级资本债和永续债合称）， 规模突破1万亿元，创下历史同期新高。 其中，近三分之一为二级资本债，单是二季度发行量就达2901亿元，同比增速1.59%。这场悄然而至的 资本补充密集操作，正在悄然优化银行业的资产负债表。 在此背景下，今年6月以来，兰州银行、西安银行、浙江稠州商业银行等十余家银行相继获批发行资本 工具，总额度逾200亿元，且获得"两年内自主择机发行"的灵活窗口。据券商统计数据，上半年中小银 行"二永债"发行规模为1545.6亿元，同比大涨50%，其中城商行占比高达95.8%。 资本结构性隐忧不容忽视银行谋求从输血到造血之变 然而资本债的"特效药"属性，难掩其内在局限，因此银行还需要多元化融资工具协调发力。根据监管规 则，二级资本债发行满5年后可计入资本的比例逐年递减，从100%降至20%，若未及时赎回则效力锐 减。 今年二季度，某农商行资本充足率跌至9.5%附近，成为年内首家放弃赎回的银行，暴露出边缘机构的 脆弱性。联合资信银行业分析 ...

Core Viewpoint - Weihai Bank is initiating a new round of capital replenishment with the support of local state-owned assets, planning to issue up to 758 million domestic shares and 154 million H-shares to raise approximately 3 billion yuan for core tier one capital supplementation [2][3][4]. Group 1: Capital Raising Details - The planned issuance price is 3.29 yuan per share, representing a 22.6% premium over the secondary market price [3][4]. - The controlling shareholder, Shandong Expressway Group, will participate in the subscription while maintaining its current shareholding ratio, potentially investing 1.414 billion yuan, which accounts for 47% of the total fundraising target [3][5]. - The total fundraising amount is approximately 3 billion yuan, with 2.494 billion yuan from domestic shares and 506 million yuan from H-shares [4][5]. Group 2: Financial Performance and Capital Adequacy - As of March 2025, Weihai Bank's total assets exceeded 465 billion yuan, with a capital adequacy ratio of 12.72%, a tier one capital ratio of 9.89%, and a core tier one capital ratio of 8.47%, all showing a decline from the end of 2024 [3][7][8]. - The bank's total assets surpassed 400 billion yuan by the end of 2024, marking a 12.65% increase year-on-year, with loans and deposits also showing significant growth [7][8]. - The non-performing loan ratio was at a record low of 1.41% by the end of 2024, with a provision coverage ratio of 156.07%, indicating improved asset quality [8].

Core Viewpoint - The financial performance of Jiaxing Rural Commercial Bank has shown a decline in both revenue and net profit for the first half of 2025, marking the first occurrence of simultaneous decreases in these metrics in the bank's history [2][4][7]. Financial Performance - As of June 30, 2025, the total assets of Jiaxing Rural Commercial Bank reached 70.538 billion yuan, representing a year-on-year growth of 2.36%, the lowest growth rate since 2013 [2]. - The total liabilities amounted to 65.806 billion yuan, with a year-on-year increase of 1.94% [2]. - The bank's revenue for the first half of 2025 was 686 million yuan, reflecting a decline of 9.11% compared to the previous year [2]. - Net profit stood at 211 million yuan, down 13.78% year-on-year [2]. Asset Quality - The report did not disclose specific asset quality data; however, the 2024 annual report indicated that the total loan balance was 48.008 billion yuan, with non-performing loans amounting to 440 million yuan, an increase of 109 million yuan year-on-year [4]. - The non-performing loan ratio was 0.92%, up 0.18 percentage points year-on-year [4]. Management and Governance - The bank was established in October 2013 and operates as a local legal financial institution with a total of 37 outlets, including 1 head office, 18 branches, and 18 sub-branches [4]. - The newly appointed chairman, Ye Dongfei, has been in office for one month and has a background in various banking roles [4]. Capital Changes - On the same day as the financial report, the National Financial Supervision Administration approved an increase in the bank's registered capital by 37 million yuan, raising it from 738 million yuan to 775 million yuan [7].

Group 1: Financial Performance - In Q1 2025, the bank's revenue was CNY 33.709 billion, a year-on-year decrease of 13.1% [2] - Net profit for Q1 2025 was CNY 14.096 billion, down 5.6% year-on-year [2] - The bank's operating expenses were CNY 9.055 billion, a decrease of 13.2% year-on-year [2] Group 2: Dividend Distribution - For the year 2024, the bank plans to distribute a cash dividend of CNY 6.08 per 10 shares, totaling CNY 11.799 billion, which is 28.32% of the net profit attributable to ordinary shareholders [3] - The interim dividend for 2024 is CNY 2.46 per 10 shares, amounting to CNY 4.774 billion [3] - The final dividend for 2024 is CNY 3.62 per 10 shares, totaling CNY 7.025 billion [3] Group 3: Asset Quality - As of March 2025, the non-performing loan (NPL) ratio was 1.06%, unchanged from the end of the previous year [5] - The provision coverage ratio was 236.53%, with a provision-to-loan ratio of 2.50% [5] - In Q1 2025, the bank wrote off loans amounting to CNY 17.065 billion and recovered CNY 9.425 billion in non-performing assets [5] Group 4: Interest Margin - The net interest margin in Q1 2025 was 1.83%, a decrease of 18 basis points year-on-year [4] - The bank anticipates continued downward pressure on the net interest margin in 2025, but at a slower rate [4] Group 5: Wealth Management - Wealth management fee income in Q1 2025 was CNY 1.208 billion, a year-on-year increase of 12.5% [6] - Personal insurance income grew by 38.7% to CNY 0.344 billion, while personal fund income increased by 5.7% to CNY 0.522 billion [6] Group 6: Capital Adequacy - As of the end of 2024, the bank's capital adequacy ratios were 9.12% for core tier 1, 10.69% for tier 1, and 13.11% for total capital [8] - The bank plans to balance internal and external capital replenishment to maintain adequate capital levels [8] Group 7: Deposit Growth - As of March 2025, personal deposits totaled CNY 1,330.883 billion, a growth of 3.4% from the end of the previous year [9] - The average daily balance of personal deposits in Q1 2025 was CNY 1,316.631 billion, up 6.5% year-on-year [9] Group 8: Loan Growth - As of March 2025, personal loan balances were CNY 1,729.046 billion, a decrease of 2.2% from the end of the previous year [10] - Housing mortgage loans increased by 4.1% to CNY 339.434 billion, while credit card receivables decreased by 7.9% to CNY 400.638 billion [10]

Company Dynamics - Lanzhou Bank successfully issued "Lanzhou Bank Co., Ltd. 2025 Perpetual Capital Bonds" with a total scale of RMB 5 billion and a coupon rate of 2.49% for the first five years, marking a significant decrease of 231 basis points compared to previous similar bond issuances [2][3] - The bank's credit rating is assessed as AAA by China Chengxin International, with a stable outlook, while the perpetual capital bonds are rated AA+ [2] Financial Performance - In 2024, Lanzhou Bank's net operating income was RMB 7.854 billion, reflecting a decline of 2.02% compared to 2023, while net profit increased by 1.54% to RMB 1.942 billion, indicating a trend of "profit increase without revenue increase" [4] - The bank's non-performing loan (NPL) ratio reached 1.83% by the end of 2024, an increase of 0.10 percentage points from the beginning of the year, marking the highest level in three years [3] - As of the first quarter of 2025, the NPL ratio slightly decreased to 1.81%, but it remains high among listed city commercial banks [3] Capital Adequacy - As of the end of the first quarter of 2025, Lanzhou Bank's capital adequacy ratio was 11.79%, and the core Tier 1 capital adequacy ratio was 8.37%, both showing a decline from the end of 2024 [5] - The issuance of the RMB 5 billion perpetual bonds is expected to improve the bank's capital structure and enhance its capital strength [5] Future Outlook - The bank needs to adopt effective strategies to address its challenges, including strengthening risk management, optimizing business structure, and diversifying capital sources to enhance market competitiveness and sustainable development [6]

Core Viewpoint - Hangzhou Bank has recently received a significant fine due to regulatory violations related to its loan operations, despite its stock price rising alongside the banking sector. The bank's loan growth has consistently outpaced industry averages, leading to ongoing pressure on its capital adequacy [1][3]. Regulatory Penalties - Hangzhou Bank's Shanghai branch was fined 3.8 million yuan for serious violations in pre-loan investigations and supervision of working capital loans, primarily related to loan business irregularities [3][6]. Loan Growth and Quality - As of the end of Q1 this year, Hangzhou Bank's total loans increased by 6.15% compared to the end of the previous year, slightly above the growth rate of commercial loans in the same period. The bank's loan growth has been significantly higher than the industry average from 2021 to 2024 [1][5]. - The non-performing loan (NPL) ratio remained stable at 0.76% as of the end of Q1, but the provision coverage ratio decreased by 11.38 percentage points compared to the end of the previous year [4][5]. Capital Adequacy and Supplementation - The rapid loan growth has created substantial pressure on Hangzhou Bank's capital adequacy. The bank's core Tier 1 capital adequacy ratio has shown slight fluctuations, recorded at 9.01% as of the end of Q1 this year [6][7]. - The bank has successfully converted a significant portion of its 15 billion yuan convertible bonds issued in 2021, enhancing its capital adequacy. However, it continues to seek additional capital supplementation opportunities [6][7]. - A recent shareholders' meeting approved extending the authorization for the board to handle the issuance of A-shares and capital bonds, with plans to raise up to 8 billion yuan for core capital supplementation [7].