来源：@华夏时报微博 华夏时报记者 张萌 卢梦雪 北京报道 春节假期刚过，银行网点迎来了一波存款高峰。 "开工第一天就来存钱，没想到人这么多。"在上海工作的"90后"小宇拿着过年剩下的现金准备存入银行。他常去 的那家网点大厅里人头攒动，等候区的座位早已坐满。排队的人群中，以中老年人为主，也有不少家长带着孩子 来存压岁钱。柜员不得不提高嗓门询问："有没有办其他业务的？可以到这边来！"但响应者寥寥，绝大多数客户 都是来存款的。 付一夫向记者表示，银行普遍将一季度视为全年业务的"开门红"阶段，抢占这一窗口期对全年业绩至关重要。当 前环境下，银行更倾向于通过"资产配置礼"而非单纯提高存款利率来吸引资金，原因有二：一方面，存款利率已 处于较低水平且持续下行，单纯靠利率竞争空间有限且会进一步压缩银行息差；另一方面，"资产配置礼"能够引 导客户资金从存款转向理财、基金、保险等多元产品，既有助于银行提升中间业务收入，也能通过资产配置服务 增强客户黏性，符合零售业务向财富管理转型的大趋势。 排队间隙，小宇被大厅里一块醒目的"资产配置有礼"宣传板吸引，他顺手扫码看了看活动详情。"现在定存利率不 高，不如先把钱转入理财，把银行送的 ...

Core Insights - Nanjing Bank reported a total operating income of 55.54 billion yuan for 2025, marking a year-on-year increase of 10.48% [2][4] - The net profit attributable to shareholders reached 21.807 billion yuan, reflecting an 8.08% growth compared to the previous year [2][4] - Total assets exceeded 3 trillion yuan for the first time, reaching 3.0224 trillion yuan, with a year-on-year growth of 16.63% [3][6] Financial Performance - Operating profit for the year was 26.174 billion yuan, up 6.02% from the previous year [3] - Total profit amounted to 26.094 billion yuan, an increase of 5.85% year-on-year [3] - Basic earnings per share decreased by 3.83% to 1.76 yuan [3] Income Sources - Net interest income surged by 31.08% to 34.902 billion yuan, with its share of total revenue rising from 52.96% to 62.8% [5] - Non-interest income accounted for 47% of total revenue in 2024, indicating a strong performance in financial investments [5] Asset and Loan Growth - Total deposits reached 1.67 trillion yuan, growing by 11.67% year-on-year [5] - Total loans amounted to 1.42 trillion yuan, reflecting a 13.37% increase [5] - The bank's retail customer financial assets (AUM) surpassed 1 trillion yuan, reaching 1.0025 trillion yuan, a growth of 21.23% [6] Market Position and Client Base - The bank expanded its corporate client coverage, with a 19.04% increase in valuable corporate clients [6] - The bank maintained its leading market share in Jiangsu province for non-financial corporate debt financing tools, with an underwriting scale of 271.35 billion yuan [6] Asset Quality - The non-performing loan ratio remained stable at 0.83%, unchanged from the previous year [6] - The provision coverage ratio was 313.31%, down 21.96 percentage points year-on-year [6] - The core Tier 1 capital adequacy ratio was 9.31%, a slight decrease of 0.05 percentage points [6]

除国有大行外，上海银行、南京银行、祁县农商银行、安庆农商银行等中小银行也纷纷跟进。 本报记者 彭妍 开年以来，多家银行推出资产提升活动，以丰厚权益吸引客户参与。与以往侧重吸纳存款不同，此次银 行将重心转向资产管理规模（AUM）增长，加速布局财富管理业务，引导客户开展多元化财富配置。 苏商银行特约研究员薛洪言对《证券日报》记者表示，在净息差持续收窄的背景下，银行稳定负债端、 扩大零售客户资产规模的需求迫切。在开年的重要节点，推出资产提升活动可快速沉淀资金、缓解负债 压力，还能挖掘客户财富管理需求、提升客户黏性。当前银行业务模式正发生根本性转变，零售AUM 已成衡量零售业务竞争力与盈利潜力的关键指标。 1月12日，中国农业银行广东省分行通过微信公众号发布"资产提升有礼"活动，根据客户月日均金融资 产提升档位发放奖励。活动覆盖存款、理财、基金、保险、国债等多类金融资产，最低提升门槛10万 元，达标可获52000小豆；提升600万元以上最高可领240万小豆。小豆可兑换生活电器、家居百货等实 物，或打车券、购物卡等权益。 1月5日，工商银行推出"升金有礼"活动，同步上线资产提升奖励与资产达标礼双档福利。用户可依据资 产 ...

新年伊始，工行、农行等多家银行密集推出了资产提升活动，即月日均金融资产提升至一定规模后，可 享受对应档位的活动奖励，如商品兑换豆、微信立减金等。不只是大行，多家城商行及农商行也在近期 纷纷推出相关活动的宣传海报。 值得注意的是，多数银行都注明了金融资产包括存款、理财、基金、保险、国债等。 活动密集上线背后，是银行持续发力零售AUM（资产管理规模），希望借此增强客户黏性。 资产提升活动密集开展 据农行零售银行公众号1月6日消息，即日起至3月31日，农行掌银注册用户可参加该行"资产提升有 礼"活动。其中一季度1月场次的活动内容是1月月日均金融资产较去年12月月日均金融资产提升，可抽 取对应档位的奖励。从活动的档位设置来看，资产提升的最低门槛为10万元，达标权益为52000小豆， 小豆可用于兑换商品。 不只是大行，城商行及农商行也在近期推出类似的资产提升活动。 据上海银行官微消息，今年1月至3月，持该行借记卡的客户可参与2026财富悦升有礼活动，每月达标客 户需同时满足两个条件，一是当月资产月日均达到30万元，二是当月资产月日均较前三月资产月日均最 大值提升达到5万元。每月达标客户可在次月参与领奖或抽奖，单月最高有 ...

中国银行表示，1月5日至1月31日，月日均金融资产较上月提升1万元及以上最高可抽取600万尊享积分；月日均金融资产晋级为理财、财富、私行、企业 家私行等级客户，最高可获赠550元微信立减金权益。 新年伊始，银行业掀起新一轮零售领域的"资产提升战"，部分银行的最高奖励超过3000元。同时，微信、小红书等平台也出现了不少"薅羊毛"相关帖子， 甚至有网友透露去年薅到的"羊毛"价值2万多元。 业内人士认为，零售AUM已成为衡量银行零售业务竞争力与未来盈利潜力的关键指标。用户"薅完一家换一家"的现象频发，说明短期激励难以转化为长 期黏性。为了有效提升零售AUM，银行需摒弃短期活动思维，多举措构建以专业服务和长期信任为核心的综合能力。 部分奖励超3000元 银行"资产提升战"打响 开年以来，多家银行密集推出新一期"资产提升活动"，用户参与活动达标后可获得相应的积分、微信立减金等权益，涉及国有大行、城商行等。 国有大行中，工行、农行、中行、建行等目前均发布了"资产提升活动"介绍，其中农业银行表示，即日起至1月31日，月日均金融资产（包括：存款、理 财、基金、保险、国债、存金通）提升至相应档位的客户，最高可获得240万小豆的 ...

【导读】"资产提升战"打响，银行发力提升零售AUM 新年伊始，银行业掀起新一轮零售领域的"资产提升战"，部分银行的最高奖励超过3000元。同时，微信、小红书等平台也出现了不少"薅羊毛"相关帖子， 甚至有网友透露去年薅到的"羊毛"价值2万多元。 业内人士认为，零售AUM已成为衡量银行零售业务竞争力与未来盈利潜力的关键指标。用户"薅完一家换一家"的现象频发，说明短期激励难以转化为长 期黏性。为了有效提升零售AUM，银行需摒弃短期活动思维，多举措构建以专业服务和长期信任为核心的综合能力。 部分奖励超3000元 银行"资产提升战"打响 开年以来，多家银行密集推出新一期"资产提升活动"，用户参与活动达标后可获得相应的积分、微信立减金等权益，涉及国有大行、城商行等。 国有大行中，工行、农行、中行、建行等目前均发布了"资产提升活动"介绍，其中农业银行（601288）表示，即日起至1月31日，月日均金融资产（包 括：存款、理财、基金、保险、国债、存金通）提升至相应档位的客户，最高可获得240万小豆的奖励。据悉该行633小豆可兑换1元京东E卡，按此计 算，客户最高可获得价值超3790元的京东E卡。 中国银行（601988）表示 ...

【导读】"资产提升战"打响，银行发力提升零售AUM 中国基金报记者 张玲 新年伊始，银行业掀起新一轮零售领域的"资产提升战"，部分银行的最高奖励超过3000元。 同时，微信、小红书等平台也出现了不少"薅羊毛"相关帖子，甚至有网友透露去年薅到的"羊 毛"价值2万多元。 业内人士认为，零售AUM已成为衡量银行零售业务竞争力与未来盈利潜力的关键指标。用 户"薅完一家换一家"的现象频发，说明短期激励难以转化为长期黏性。为了有效提升零售 AUM，银行需摒弃短期活动思维，多举措构建以专业服务和长期信任为核心的综合能力。 部分奖励超3000元 银行"资产提升战"打响 开年以来，多家银行密集推出新一期"资产提升活动"，用户参与活动达标后可获得相应的积 分、微信立减金等权益，涉及国有大行、城商行等。 中国银行表示，1月5日至1月31日，月日均金融资产较上月提升1万元及以上最高可抽取600 万尊享积分；月日均金融资产晋级为理财、财富、私行、企业家私行等级客户，最高可获赠 550元微信立减金权益。 国有大行中，工行、农行、中行、建行等目前均发布了"资产提升活动"介绍，其中农业银行 表示，即日起至1月31日，月日均金融资产（包括：存 ...

Core Viewpoint - The banking industry has initiated a new round of "asset enhancement battles" in the retail sector, with some banks offering rewards exceeding 3,000 yuan. Retail AUM (Assets Under Management) is now seen as a key indicator of a bank's competitive strength and future profitability. The phenomenon of customers frequently switching banks for short-term incentives indicates that short-term activities fail to create long-term customer loyalty. To effectively enhance retail AUM, banks need to abandon short-term thinking and focus on building comprehensive capabilities centered around professional services and long-term trust [1][23][41]. Group 1: Asset Enhancement Activities - Multiple banks have launched new "asset enhancement activities" at the beginning of the year, allowing customers to earn points and benefits by meeting certain criteria. This includes major state-owned banks like ICBC, ABC, BOC, and CCB, with rewards such as 240,000 "small beans" convertible to over 3,790 yuan in JD E-cards for qualifying customers [2][24]. - Agricultural Bank of China has announced that from January 1 to January 31, customers can earn up to 600 million exclusive points if their average financial assets increase by 10,000 yuan or more [5][27]. - Nanjing Bank and other city commercial banks have also introduced similar activities, with Nanjing Bank offering 1,000 comprehensive points for every 10,000 yuan increase in average financial assets, with a maximum of 80,000 points per month [6][28]. Group 2: Market Dynamics and Challenges - The current "asset enhancement battle" reflects a tactical "New Year rush" and a strategic shift in the banking sector, driven by the need to adapt to changing interest rate environments. Retail AUM has become a critical measure of a bank's competitive edge and future profitability [9][31]. - The phenomenon of customers switching banks for incentives highlights two major challenges: the superficial nature of customer relationships ("high flow, low retention") and the lack of differentiation in service offerings, which makes it difficult to establish long-term trust [17][39]. - The "sheep shearing" phenomenon, where customers exploit short-term incentives, indicates a lack of customer loyalty and reveals weaknesses in banks' customer relationship management strategies [11][40]. Group 3: Recommendations for Improvement - To effectively enhance retail AUM, banks should shift from short-term activity thinking to a focus on professional services and long-term trust. This includes transitioning from product sales to asset allocation, integrating financial services with everyday life, and implementing refined customer segmentation and operations [19][41]. - Banks should strengthen their investment advisory capabilities to transition from merely selling products to providing comprehensive asset management solutions, thereby building a "moat" around their services [20][42]. - Digital transformation should evolve from being a mere outreach tool to empowering an ecosystem that enhances customer engagement and retention, creating a complete service loop that turns short-term activity flows into long-term customer relationships [21][43].

Group 1 - Major banks, including ICBC and ABC, have launched asset enhancement activities to increase retail AUM (Assets Under Management) and customer loyalty [1][4] - The activities involve rewards for customers who increase their average financial assets over a specified period, with minimum thresholds set for participation [1][2] - Various banks have different criteria for what constitutes financial assets, including deposits, wealth management, funds, insurance, and government bonds [1][3] Group 2 - The asset enhancement activities are seen as effective short-term tactics to stimulate AUM growth, particularly in attracting dormant customers and short-term funds [4] - Retail banking has faced challenges due to declining interest rates and regulatory changes affecting fee income, prompting banks to focus on increasing AUM to boost revenue [5] - As of Q3 2023, several A-share banks reported significant growth in retail AUM, with Postal Savings Bank reaching 17.89 trillion yuan, an increase of over 7% year-on-year [5]

Core Insights - The retail wealth management competition among banks has intensified at the beginning of the new year, with various financial institutions launching "Asset Enhancement Gifts" activities aimed at increasing retail AUM (Assets Under Management) by incentivizing users to optimize their asset allocation [1][3] Group 1: Retail AUM Competition - Multiple banks, including Agricultural Bank of China and Nanjing Bank, have introduced activities that reward users for increasing their financial assets, with incentives such as points and discounts [3][4] - Agricultural Bank's program allows users to participate in a lottery based on their financial asset growth from December 2025 to January 2026, with asset tiers starting from 100,000 yuan to over 6 million yuan, offering rewards ranging from 5,200 points to 2.4 million points [3] - Nanjing Bank targets premium customers with dual activities that reward asset increases and diversified product holdings, offering up to 80,000 points per month [4] Group 2: Trends in Wealth Management - The competition has shifted from product sales to a focus on comprehensive asset management and customer-centric services, indicating a transformation in retail banking strategies [5] - Key trends include a transition from interest margin-driven models to those focused on asset management fees, with AUM becoming a critical measure of retail competitiveness [5] - Digital operational capabilities are increasingly important, with banks utilizing online activities to engage and activate long-tail customers [5] Group 3: Long-term Service Capabilities - Retail AUM is a key indicator of a bank's ability to attract and manage personal wealth, reflecting the overall strength of its retail banking operations [6] - Major banks like China Merchants Bank and Ping An Bank have reported significant growth in retail AUM, with China Merchants Bank managing approximately 16.6 trillion yuan, an increase of 1.7 trillion yuan or 11.19% year-on-year [6] - Bank leaders emphasize the need to adapt wealth management strategies to focus on customer needs and build a robust service ecosystem [7] Group 4: Sustainable Growth Mechanisms - To achieve sustainable growth in retail AUM, banks must move beyond short-term promotional activities and focus on systematic capacity building [8] - Strategies include enhancing customer segmentation and management, improving investment research capabilities, and fostering channel collaboration to create a comprehensive operational system [8]