21世纪经济报道记者 叶麦穗 8月4日银行股再度集体走强，农业银行盘中涨超2%，股价续创历史新高。至此，农业银行今年的涨幅已超过25%，年线实现三连涨，其中，2023年上涨25.09% 银行集中召开年中会 截至目前已经有5家银行披露了半年度业绩快报，归母净利润增速均实现正增长，其中4家增幅甚至超过两位数。 最新的2025年半年度业绩快报来自青岛银行，于7月31日晚间发布。快报数据显示，其2025年上半年营业收入76.62亿元，同比增长7.50%；归母净利润30.65亿元，同比增长16.05%。截至2 已披露业绩快报的银行中，杭州银行上半年的"成绩单"最为亮眼。 7月17日，杭州银行率先披露上半年业绩快报。快报显示，截至2025年6月末，杭州银行总资产达2.24万亿元，同比增速5.83%；贷款总额10094.18亿元，较上年年末增长7.67%；存款总额1 资产质量方面，杭州银行整体保持稳定，风险抵补能力进一步提升。截至2025年6月末，该行不良贷款率为0.76%。拨备覆盖率为520.89%。 光大证券发布研报称，2025年是杭州银行"二二五五"战略收官之年，更是其新征程的起笔之处，上半年该行维持较好扩表势头，盈 ...

Core Viewpoint - The total cash dividends proposed by major listed banks in China for 2024 exceed 560 billion yuan, marking an increase of over 10 billion yuan year-on-year, with state-owned banks dominating the distribution [1][3]. Group 1: Dividend Distribution - The six major state-owned banks plan to distribute over 420 billion yuan in cash dividends, with all having a dividend payout ratio of 30% or higher [1][3]. - Among the listed banks, China Merchants Bank leads with a cash dividend payout ratio of 35.32%, while Ping An Bank's ratio is below 30% at 28.32% [1][3][4]. - The total cash dividends for the six major banks include: Industrial and Commercial Bank of China (1,097.73 billion yuan), China Construction Bank (1,007.54 billion yuan), Agricultural Bank of China (846.61 billion yuan), Bank of China (713.60 billion yuan), China Merchants Bank (504.40 billion yuan), and Bank of Communications (281.46 billion yuan) [2][3]. Group 2: Changes in Dividend Amounts - Ping An Bank, Minsheng Bank, and Zheshang Bank have seen declines in their proposed dividend amounts, with decreases of 15.44%, 11.11%, and 4.88% respectively [2][6]. - The dividend payout ratio for Ping An Bank decreased from 30% in 2023 to 28.32% in 2024, attributed to the need for internal capital accumulation and regulatory compliance [6][9]. Group 3: Future Dividend Plans - China Merchants Bank plans to implement a mid-term dividend distribution for the first time in 2025, with a proposed payout ratio of 35% [5]. - Other banks, such as Industrial Bank and CITIC Bank, have also set ambitious dividend plans, with CITIC Bank aiming for a payout ratio of over 30% from 2024 to 2026 [5][12]. Group 4: Stock Dividend Yields - As of April 16, 2024, Ping An Bank has the highest dividend yield among the listed banks at 5.53%, followed by Zheshang Bank at 5.23% and Industrial Bank at 5.02% [8][9]. - The dividend yields for the six major state-owned banks are all above 4%, indicating strong investment value despite the overall low price-to-book ratios in the banking sector [7][11]. Group 5: Market Context and Valuation Plans - Many banks are currently trading below their book value, prompting over 20 banks to release valuation enhancement plans to improve their investment appeal [11][12]. - The valuation enhancement plans include commitments to maintain or increase dividend payouts, with banks like Bank of Communications and Ping An Bank outlining specific future dividend strategies [12][13].

作 者丨曹媛 编 辑丨孙超逸 图 源丨图虫 上市银行2 0 2 4年度"成绩单"陆续披露，分红情况也"浮出水面"。 Wi n d数据显示，截至4月8日，已有2 3家A股上市银行公布2 0 2 4年年报，其中包括6家国有大 行、8家股份制银行、3家城商行及6家农商行。 记者统计发现，上述 2 3家上市银行累计派发现金分红5 6 8 8 . 6 2亿元，同比增加超百亿元 。其 中，国有六大行依旧是绝对的"现金奶牛"，2 0 2 4年拟现金分红金额合计超4 2 0 0亿元，且分红 比例均在3 0%及以上。 | | | 2024年银行业分红情况(已披露年报上市银行) | | | | --- | --- | --- | --- | --- | | 证券代码 | 证券简称 | 2024年度累计分 | 2023年度累计分 | 同比增减 | | | | 红总额(亿元) | 红总额(亿元) | (亿元) | | 601398.SH | 工商银行 | 1097.73 | 1092.03 | 5.70 | | 601939.SH | 建设银行 | 1007.54 | 1000.04 | 7.50 | | 601288.SH | 农 ...