8月28日，宁波银行（002142）发布2025年半年度报告，上半年公司实现营业收入371.60亿元，同比增 长7.91%；归母净利润147.72亿元，同比增长8.23%，成本管控能力与盈利转化效率持续优化，有效夯实 盈利"含金量"；实现非利息收入114.34亿元，在营业收入中占比30.77%，多元营收结构转型成效显著。 2025年上半年，公司拟向全体普通股股东每10股派发现金红利3元，分红总额19.81亿元，占归属于母公 司股东净利润的比例为13.41%。 稳中求进，锚定风险管理核心 公司风险抵御能力同样表现亮眼，关键资本指标均处于合理充足水平，拨备覆盖率达374.16%；资本充 足率15.21%、一级资本充足率10.75%、核心一级资本充足率9.65%，为公司业务开展提供坚实资本保 障。 承压破局，多元营收结构驱动业绩增长 面对行业息差收窄、盈利承压的市场挑战，宁波银行主动破局，在持续夯实利息收入基础、拓展非利息 收入空间的同时，进一步聚焦客户价值创造，推动商业模式迭代升级，实现盈利水平的稳步提升。2025 年上半年，宁波银行实现营业收入371.60亿元，同比增加27.23亿元，增长7.91%；实现归属于 ...

北京商报讯(记者宋亦桐)8月29日，北京金融监管局发布《关于明立松北京银行（601169）股份有限公 司首席信息官任职资格的批复》，核准明立松北京银行股份有限公司首席信息官的任职资格。 ...

Core Viewpoint - Jiujiang Bank reported a decrease in both revenue and net profit for the first half of 2025, indicating challenges in maintaining growth while focusing on customer base expansion and service to local economies [1] Financial Performance - The bank achieved an operating income of 5.343 billion yuan, a year-on-year decrease of 2.87% [1] - The net profit attributable to shareholders was 364 million yuan, reflecting a significant year-on-year decline of 34.28% [1] - Basic earnings per share stood at 0.01 yuan [1] Strategic Focus - The bank's development theme for the first half of 2025 centered on expanding the customer base, enhancing customer contributions, and solidifying core competencies [1] - The bank maintained its market positioning by focusing on serving local economies, small and medium-sized enterprises, and urban-rural residents [1]

Technical Analysis - WaFd, Inc. (WAFD) has recently reached a key level of support, indicated by its 50-day simple moving average crossing above its 200-day simple moving average, known as a "golden cross" [1][2] - A golden cross is a bullish chart pattern that suggests a potential breakout, typically involving the 50-day and 200-day moving averages [2] Market Performance - WAFD has moved 8.4% higher over the last four weeks, indicating positive momentum [4] - The company currently holds a 3 (Hold) rating on the Zacks Rank, suggesting a neutral outlook [4] Earnings Outlook - WAFD's earnings outlook appears positive, with no earnings estimates cut and three revisions higher in the past 60 days [4] - The Zacks Consensus Estimate for WAFD has also increased, reinforcing the bullish sentiment [4][6] Investment Consideration - Given the combination of positive earnings estimate revisions and the technical breakout signal, WAFD is positioned for potential gains in the near future [6]

北京商报讯8月29日，工商银行发布公告，该行收到段红涛的辞呈。段红涛因职务变动，已于2025年6月 起担任该行党委副书记，于2025年8月29日向该行提交辞呈，辞去该行副行长、董事会秘书及公司秘书 职务。 （文章来源：北京商报） ...

Core Viewpoint - China Postal Savings Bank reported a stable financial performance for the first half of 2025, with total assets exceeding 18 trillion yuan and a focus on maintaining a consistent dividend strategy despite recent capital injections [1][2]. Financial Performance - As of June 30, 2025, the bank's total assets reached 18.19 trillion yuan, a 6.47% increase from the end of the previous year [1]. - The bank achieved an operating income of 1794.46 billion yuan, reflecting a year-on-year growth of 1.50% [1]. - Net profit stood at 494.15 billion yuan, up 1.08% year-on-year [1]. - The net interest margin was reported at 1.70%, with a capital adequacy ratio of 14.57% and a core Tier 1 capital ratio of 10.52%, both showing improvements from the previous year [1][2]. Capital Strategy - The bank successfully completed a 130 billion yuan A-share placement to enhance its capital levels [2]. - The dividend payout ratio for the year is set to remain at 30%, totaling 147.72 billion yuan (including tax) [2]. - Future dividend strategies will consider regulatory requirements, shareholder interests, profit growth, capital adequacy, and alignment with industry peers [2]. Credit and Investment Strategy - The bank aims to maintain a prudent approach to capital usage, focusing on serving the real economy and optimizing the allocation of credit and non-credit assets [3]. - The investment strategy emphasizes government bonds and high-quality credit bonds, with a focus on risk management and yield optimization [3]. Interest Margin Challenges - The bank faces challenges with net interest income growth due to a prolonged low-interest-rate environment, with the average interest rate on liabilities decreasing by 25 basis points to 1.26% [4]. - The net interest margin decreased by 1 basis point compared to the previous quarter, attributed to a higher proportion of mortgage loans [4][5]. - Management is optimistic about maintaining a stable interest margin through refined management practices and market rate observations [4]. Loan Growth - Total customer loans reached 9.54 trillion yuan, a 6.99% increase from the previous year, with retail loans growing by 1.86% and corporate loans increasing by 14.83% [6]. - The bank plans to leverage the new consumer loan subsidy policy to enhance its consumer lending business [6]. Asset Quality - The non-performing loan ratio was reported at 0.92%, a slight increase of 0.02 percentage points from the previous year [7]. - The bank has implemented several measures to improve asset quality, including refining credit processes and enhancing risk management strategies [7].

"三是充分发挥全球化优势，助力稳定集团净息差。"张辉表示，中行将继续发挥港澳地区机构"头雁"带 动作用，推动其他重点境外机构发挥当地市场优势，动态调整业务策略，积极应对市场利率变化，做好 资产负债业务摆布，夯实本土化经营发展根基，持续提升主要业务市场竞争力，为稳定集团净息差做出 更大贡献。 近年来，境内银行业净息差普遍大幅收窄。中行半年业绩显示，上半年集团净息差为1.26%，较上年下 降14BP，较一季度下降3BP。其中，境内人民币净息差为1.32%，较上年下降12BP，较一季度下降 2BP。 "中行非利息收入在营业收入中占比34.79%，在境内银行业中处于较好水平。境外机构非利息收入增势 良好，同比增长76.01%。"张辉说，上半年，中行对低利率环境下的经营策略进行前瞻研判，采取了加 大资产投放力度，提升资金使用效率；持续优化负债结构，有效降低负债成本；发挥全球化优势，加强 外币资金统筹管理等一系列措施稳定净息差，积极对冲利率下行压力。 编辑：胡晨曦 转自：新华财经 新华财经北京8月29日电（记者陆宇航）在29日的中期业绩发布会上，中国银行行长张辉表示，守住净 利息收入基本盘是中行的战略安排，也是低利率环境 ...

中金公司公告，上半年营业收入128.28亿元，同比增长43.96%；归属于母公司股东的净利润43.3亿元， 同比增长94.4%。 ...

Core Insights - Wang Shuguang, born in November 1974, has a strong academic background with dual bachelor's degrees in Science and Economics from Tsinghua University in 1996, and a master's degree in Engineering from the same institution in 1998 [2] - Wang joined CICC's investment banking division in 1998 and became a managing director in January 2010, holding various positions including head of the Growth Enterprises Investment Banking Department and co-head of CICC Capital Management Department [2] - Since July 2022, Wang has been appointed as the head of CICC's investment banking division [2]

中证报中证网讯(王珞)8月28日，齐鲁银行（601665）发布2025年半年度业绩报告。上半年，该行交出 了一份高质量的答卷，业务规模稳健增长，经营效益稳步提升，资产质量稳中向好。 服务实体方面，该行紧跟区域发展战略，不断完善对战略新兴行业、制造业、民营小微等重点领域的金 融服务，聚焦金融"五篇大文章"重点领域，科技、绿色贷款增速分别达到17.6%、30.03%，均高于贷款 平均增速，普惠贷款余额领跑山东省城商行。 资本实力方面，6月末，齐鲁银行核心一级资本充足率10.46%，8月14日提前赎回"齐鲁转债"，促成 79.93亿元可转债转股，预计将进一步补充核心一级资本、优化资本结构、增强资本实力，可为后续业 务扩张提供坚实保障。 股东回报方面，分红水平持续提高，2024年度现金分红比例近28%(含中期)，每股派发现金分红0.266元 (含税)，较上年提高21%。分红次数也由过去的一年一次改为一年两次，增加实施了2024年度中期分 红。该行年度股东大会已授权董事会适时确定2025年中期利润分配事宜，预计将为投资者提供持续稳定 的投资回报。 报告显示，截至6月末，该行资产总额达7513.05亿元，较上年末增长8. ...