齐鲁晚报·齐鲁壹点 王赟 一进7月，国家金融监督管理总局山东监管局同日一连发布7张批复，同意济阳北海村镇银行、山东历城圆融村镇银行、济南高新北海村镇银行、德州陵城 圆融村镇银行、武城圆融村镇银行、费县梁邹村镇银行、乐陵圆融村镇银行共计7家村镇银行解散。各银行资产、负债、业务及各项权利义务将由对应银行 承接。 记者注意到，其中有四家冠有"圆融"字号，而"圆融"村镇银行的发起行均为山东寿光农村商业银行股份有限公司。 公开资料显示，寿光农商银行成立于2009年3月份，是在原寿光市农村信用合作联社基础上改制组建的地方性金融机构，截至目前，该行注册资本18.45亿 元。 企查查显示，股权结构上，寿光农商银行第一大股东是山东寿光金鑫投资发展控股集团有限公司，持股比例为7.55%。其余持股5%以上的股东有三家，寿 光市金财公有资产经营有限公司持股6.46%、潍坊市投资集团有限公司持股6.46%和山东寿光巨能集团有限公司持股6.02%。 根据工商登记信息，寿光农商银行在此次被官宣"消失"的四家冠有"圆融"字号的村镇银行的持股情况为，持有武城圆融村镇银行41%的股权、持有陵城圆融 村镇银行49.75%的股权、持有乐陵圆融村镇银 ...

中原银行是 2014 年在开封银行、安阳银行、 鹤壁银行 、新乡银行、濮阳银行、 许昌银行 、漯河 银行、三门峡银行、南阳银行、商丘银行、信阳银行、周口银行和驻马店银行等河南省 13 家城市商业 银行基础上组建而成， 2022 年又吸收合并洛阳银行、平顶山银行和焦作中旅银行 3 家河南省内城市商 业银行。 因此 中原银行是河南省除 郑州 外的其他 16地 市的城商行合并而成。 2 017 年 7 月，中原银行在香港联交所主板挂牌上市 ，股票代码是 1216.HK 。 中原银行在河南省内 17 个地级市和 1 个省辖县级市均设有分行，是分支机构网点覆盖河南全省的 省属法人银行。（而同为河南城商行的 郑州银行在河南三门峡和济源则尚未设有分行 。） 截至2024年末，中原银行总行共有38个一级部门，其中比较有特色的部门有汽车金融中心。中原银 行总行部门设置具体如下图： 此外，中原银行还拥有 1 家消费金融公司（ 河南中原消费金融股份有限公司 ）、 2 家金融租赁公 司（ 邦银金融租赁 股份有限公司 和 洛银金融租赁股份有限公司 ）和 13 家村镇银行。 目前河南省国有企业 ——河南投资集团限公司是中原银行最大股东（ ...

财经网×企业预警通App ◆行业关注 多家农商行5年期利率跌破国有大行水平，"存5年不如存1年"已不罕见 部分中小银行存款利率开始出现剧烈调整。5月30日，一日之内，多家农商行、村镇银行集体宣布下调定期存款利 率。其中，五年期整存整取利率最低降至1.20%，已低于六家国有大行、招商银行等大行1.30%的存款挂牌利率水平。 更值得关注的是，"存5年不如存1年"这样的极致倒挂现象，在中小银行身上已不罕见。在业内人士看来，中小银行在 利率下行周期中，更愿意通过利率倒挂吸收短期资金，策略相对灵活，加速压降高成本长期存款占比。 金融机构、私募股权投资机构和创业投资机构等新发行主体积极发行科创债。从目前已发行的情况来看，银行机构担 当发行主力，5月7日至6月5日，16家银行共计发行20只科创债，发行规模已达2010亿元，占总发行规模的一半以上； 证券公司、股权投资机构等非银金融机构的发行规模合计为324亿元。 ◆企业动态 中信银行筹建AIC获批 为股份行第二家 中信银行设立金融资产投资公司（AIC）有新进展。6月3日晚，该行发布公告称，国家金融监督管理总局同意该行筹 建信银金融资产投资有限公司（以下简称"信银金投）。由此 ...

金十数据6月3日讯，根据企业预警通数据统计，今年前5个月，已有184家中小银行获批复合并或解散。 有分析认为，近几年中小银行撤并呈现逐步上升趋势，2025年这一趋势继续延续，且有加速迹象，未来 银行的发展会从追求"量"到"质"的变化，银行数量或从高峰期的4600家降至3000家。 （21财经） 银行合并潮起：今年已经有近两百家中小银行获批撤并 ...

Financial Data and Key Metrics Changes - The company reported a net loss of $144 million for February 2024, with a core net loss of $21 million when excluding certain factors [15] - In the first quarter of 2025, the core net loss was 44% less than the February core net loss, indicating improvement [15] - The net interest margin improved from 1.38% in February to 1.82% in February [15] Business Line Data and Key Metrics Changes - HomeStreet Bank achieved $1.1 million in net income in February, marking a return to profitability [16] - The company sold $990 million of multifamily loans in February, which helped reposition the balance sheet and improve liquidity [13][14] Market Data and Key Metrics Changes - The merger with Mechanics Bank is expected to enhance the company's branch footprint and deposit market share in key markets in the West [17] - The combined entity will have a diversified loan portfolio and a growing wealth management and trust business [17] Company Strategy and Development Direction - Following the termination of a previous merger, the company implemented a new strategic plan focused on improving liquidity and reducing costs [13] - The merger with Mechanics Bank is seen as a validation of the company's customer base and management strength, aiming to create new opportunities for employees [17][18] Management's Comments on Operating Environment and Future Outlook - Management anticipates core earnings growth in 2025 due to expected reductions in higher-cost borrowings and effective noninterest expense management [16] - The company does not expect to recognize any income tax expense on earnings for the next few years due to a deferred tax asset valuation allowance [16] Other Important Information - The company is in the process of completing the S-4 filing and proxy for the merger, with a special shareholders meeting expected in July [18] Q&A Session Summary Question: No active questions were raised during the meeting - The meeting concluded without any questions from shareholders [19]

美国众议院投票之后，前总统拜登任期内出台的货币监理署（OCC）银行合并制度恐将被废止。（彭 博） ...

Core Points - The Office of the Comptroller of the Currency (OCC) has released a temporary final rule regarding bank mergers [1] - The rule revokes the 2024 policy statement on reviewing applications under the Bank Merger Act [1] - The temporary final rule reinstates the streamlined application and expedited review features in the assessment process for merger applications under the Bank Merger Act [1]

Summary of Truist Financial (TFC) M&A Announcement Conference Call Company and Industry - **Companies Involved**: BB&T and SunTrust, merging to form Truist Financial - **Industry**: Banking and Financial Services Core Points and Arguments - **Merger Announcement**: The merger is described as a transformational merger of equals (MOE) aimed at creating a premier financial institution [2][4] - **Cultural Fit**: Emphasis on the importance of cultural compatibility, strategic rationale, and economic attractiveness in the merger [4] - **Pro Forma Financials**: The merger is expected to create a diverse and comprehensive business mix in banking, enhancing capabilities beyond what each company could achieve independently [5][7] - **Shareholder Exchange**: Each SunTrust shareholder will receive 1.295 shares of BB&T stock as part of the merger [6] - **Minimal Divestitures**: Anticipated divestitures are minimal, approximately $1 billion, indicating a smooth integration process [12] - **Cost Savings**: Projected cost savings of $1.6 billion, driven by operational efficiencies and branch overlap [33] - **Revenue Synergies**: While not modeled in the initial projections, there is optimism about potential revenue synergies, particularly in capital markets and commercial banking [40] Additional Important Content - **Management Structure**: An executive management team has already been identified, and integration processes are set to begin immediately [16][22] - **Branding Strategy**: The branding process will involve qualitative and quantitative research, incorporating feedback from employees to foster unity [24] - **Regulatory Considerations**: The companies are in the final stages of addressing a consent order with the Federal Reserve, which is expected to be lifted soon [49] - **Cultural Engagement**: High employee engagement scores at BB&T (79%) compared to the industry average (64%) are highlighted as a strength in retaining talent post-merger [44] - **Market Positioning**: The overlap in customer bases is minimal, with both banks competing against larger institutions rather than each other [47] This summary encapsulates the key points discussed during the conference call regarding the merger between BB&T and SunTrust, highlighting the strategic, financial, and operational aspects of the transaction.