Core Viewpoint - The company emphasizes its commitment to high-quality development and strategic transformation, focusing on integrating various financial services and enhancing its competitive advantages in green finance, wealth management, and investment banking [1][3][14]. Financial Performance - For the first half of 2025, the company reported operating income of 110.46 billion RMB, a decrease of 2.29% compared to the same period in 2024 [10]. - Net profit attributable to shareholders was 43.14 billion RMB, showing a slight increase of 0.21% year-on-year [10][16]. - Total assets reached 10.61 trillion RMB, reflecting a growth of 1.01% from the end of 2024 [10][15]. Strategic Initiatives - The company is actively pursuing a "1234" strategic framework, focusing on "light assets, light capital, and high efficiency" to enhance its banking capabilities [6][19]. - It aims to strengthen its position in five new sectors: technology finance, inclusive finance, energy finance, automotive finance, and park finance [2][6]. - The company is committed to building a "value bank" by improving five core capabilities: strategic execution, customer service, investment trading, comprehensive risk control, and management promotion [14][19]. Risk Management - The company has implemented reforms in its risk management system to enhance its ability to identify and mitigate risks [17]. - As of June 30, 2025, the non-performing loan ratio was 1.08%, indicating stability in asset quality [11][17]. - The provision coverage ratio stood at 228.54%, ensuring a robust buffer against potential loan losses [11][18]. Market Position - The company ranked 14th globally in the "Banker" magazine's 2025 list of the top 1000 banks by Tier 1 capital [4]. - It maintains a leading position in green finance, with green loan balances reaching 1.08 trillion RMB, a growth of 15.61% from the previous year [18]. - The company has successfully expanded its customer base, with corporate clients increasing by 4.26% and retail clients by 1.63% compared to the previous year [17].

Core Viewpoint - Xi'an Bank has shown steady growth in its financial performance for the first half of 2025, with significant increases in revenue and net profit, while also focusing on risk management and strategic transformation [6][7][8]. Financial Performance - Total assets reached CNY 539.10 billion, an increase of 12.23% compared to the previous year [6]. - Operating income was CNY 52.05 billion, reflecting a year-on-year growth of 43.70% [6]. - Net profit attributable to shareholders was CNY 14.52 billion, up 8.59% year-on-year [6]. - The net cash flow from operating activities was CNY (4.03) billion, a decrease of 39.43% [6]. Asset Quality - The total liabilities amounted to CNY 499.59 billion, an increase of 11.79% from the previous year [6]. - The non-performing loan ratio improved to 1.60%, down from 1.72% [2]. - The provision coverage ratio increased to 205.70%, up from 184.06% [2]. Capital Adequacy - The capital adequacy ratio stood at 13.43%, an increase from 12.41% [3]. - The core tier 1 capital ratio was 9.16%, down from 10.07% [3]. - The net stable funding ratio was 138.31%, indicating a stable funding position [3]. Strategic Initiatives - The company is focusing on digital transformation and enhancing its service offerings in various sectors, including green finance and rural revitalization [7][8]. - Xi'an Bank is implementing a three-year action plan aimed at professionalization, service enhancement, and market orientation [8]. - The bank is also enhancing its risk management framework to ensure asset quality and compliance [8].

Core Viewpoint - The company reported a slight decline in operating income and net interest income for the first half of 2025, while achieving a modest increase in net profit attributable to shareholders compared to the same period last year [11][12]. Financial Performance - Operating income for the first half of 2025 was RMB 110,458 million, a decrease of 2.29% compared to RMB 113,043 million in the same period of 2024 [11][13]. - Net interest income was RMB 73,755 million, down 1.52% from RMB 74,891 million year-on-year [11][13]. - Non-interest income decreased by 3.80%, totaling RMB 36,703 million compared to RMB 38,152 million in the previous year [11][12]. - The total profit amounted to RMB 50,558 million, reflecting a 3.30% increase from RMB 48,942 million [11][12]. - Net profit attributable to shareholders was RMB 43,141 million, showing a slight increase of 0.21% from RMB 43,049 million [11][12]. Asset and Liability Management - Total assets reached RMB 10,614,376 million, representing a growth of 1.01% from RMB 10,507,898 million at the end of the previous year [2][10]. - Total loans amounted to RMB 5,903,433 million, an increase of 2.91% from RMB 5,736,610 million [2][10]. - Total deposits were RMB 5,869,830 million, up 6.10% from RMB 5,532,333 million [2][10]. Asset Quality - The non-performing loan (NPL) balance was RMB 634,930 million, an increase of RMB 20,160 million compared to the previous year [11][12]. - The NPL ratio stood at 1.08%, up 0.01 percentage points from 1.07% at the end of the previous year [11][12]. - The provision coverage ratio decreased to 228.54%, down 9.24 percentage points from 237.78% [11][12]. Capital Adequacy - The capital adequacy ratio was reported at 14.18%, an increase from 13.84% at the end of the previous year [3]. - The Tier 1 capital adequacy ratio was 11.30%, up from 10.86% [3]. Shareholder Information - The total number of ordinary shareholders was 191,266, with the largest shareholder being Fujian Financial Investment Co., Ltd., holding 16.59% of the shares [5][8]. - The top ten shareholders collectively held 20.57% of the total shares [5][8].

重要提示 一、本公司董事会、监事会及董事、监事、高级管理人员保证半年度报告内容的真实、准确、 完整，不存在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的法律责任。 二、本公司于 2025 年 8 月 28 日召开第九届董事会第二十四次会议审议通过了本报告，本 次会议应出席的董事 12 人，亲自出席会议的董事 12 人。 三、本公司半年度报告未经审计，但已经德勤华永会计师事务所（特殊普通合伙）审阅并 出具了审阅报告。 四、公司法定代表人、董事长洪枇杷，行长、主管财会工作负责人吴昕颢及财会机构负责人 宋建腾，保证半年度报告中财务报告的真实、准确、完整。 五、截至报告期末，公司未进行 2025 年中期利润分配或资本公积金转增股本。 六、本半年度报告所载财务数据及指标按照中国企业会计准则编制，除特别说明为母公司数 据外，均为合并口径数据，货币币种以人民币列示。 七、前瞻性陈述的风险声明 本报告中所涉及的未来计划、发展战略等前瞻性描述不构成公司对投资者的实质承诺， 投资者及相关人士均应当对此保持足够的风险认识，并且应当理解计划、预测与承诺之间的 差异。 八、公司不存在被控股股东及其关联方非经营性占用资金情况。 九、 ...

厦门银行股份有限公司 第一节 重要提示 展规划，投资者应当到上海证券交易所网站（http://www.sse.com.cn）网站仔细阅读半年 度报告全文。 完整性，不存在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的法律责任。 应出席的董事 12 人，亲自出席会议的董事 12 人。 审阅报告。 第二节 公司基本情况 一、公司简介 XIAMEN BANK CO.,LTD （A 股股票代码：601187） 二○二五年八月 厦门银行股份有限公司2025 年半年度报告摘要 公司股票简况 | 股票种类 | 股票上市交易所 | 股票简称 | 股票代码 | 变更前股票简称 | | --- | --- | --- | --- | --- | | A股 | 上海证券交易所 | 厦门银行 | 601187 | | | 联系人和联系方式 | | 董事会秘书 | | 证券事务代表 | | 姓名 | 谢彤华 | | 张晓芳 | | | 联系地址 | 厦门市思明区湖滨北路101号商业银 | | | 厦门市思明区湖滨北路101号商 | | | 行大厦 | | 业银行大厦 | | | 电话 | 0592-5060112 | | 0592 ...

厦门银行股份有限公司 第九届董事会第二十四次会议决议公告 厦门银行股份有限公司董事会及全体董事保证本公告内容不存在任何虚 假记载、误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承 担法律责任。 证券代码：601187 证券简称：厦门银行 公告编号：2025-035 厦门银行股份有限公司（以下简称"公司"）第九届董事会第二十四次会议 通知于 2025 年 8 月 18 日以电子邮件方式发出，会议于 2025 年 8 月 28 日在泉州 以现场会议方式召开，由洪枇杷董事长召集并主持。本次会议应出席的董事 12 人，亲自出席会议的董事 12 人。公司监事及高级管理人员列席了会议。本次会 议的召集、召开程序符合《中华人民共和国公司法》等法律法规和《厦门银行股 份有限公司章程》的有关规定。 与会董事对议案进行了审议，形成如下决议： 一、审议并通过《厦门银行股份有限公司关于 2025 年半年度报告及其摘要 的议案》 表决结果：以 12 票赞成，0 票反对，0 票弃权获得通过。 本议案已经公司董事会审计委员会审议通过。 详见公司同日于上海证券交易所网站（www.sse.com.cn）披露的《厦门银行 股份有限公 ...

Meeting Details - The fifth session of the supervisory board of Guolian Minsheng Securities Co., Ltd. was held on August 28, 2025, in Wuxi, combining on-site and communication methods [1] - All five supervisors attended the meeting, with two participating via communication [1] - The meeting was chaired by the chairman of the supervisory board, Xue Chunfang, and complied with relevant laws and regulations [1] Resolutions Passed - The supervisory board approved the 2025 semi-annual report with a unanimous vote of 5 in favor, 0 against, and 0 abstentions [2] - The board also approved the comprehensive risk management report for the mid-year with the same voting results [2] - A special report on the storage and actual use of the funds raised in the first half of 2025 was also approved unanimously [2]

Group 1 - The core viewpoint of the article is that China Construction Bank (601939.SH) reported its 2025 semi-annual results, showing a net profit of 162.64 billion yuan and a slight increase in operating income [1] - The bank's net interest income decreased by 3.16% year-on-year to 286.71 billion yuan, influenced by LPR repricing and adjustments in existing housing loan rates [1] - The bank's non-interest income saw significant growth, with net fee and commission income increasing by 4.02% to 65.22 billion yuan, and other non-interest income rising by 55.63% to 42.35 billion yuan [1] Group 2 - Total assets of the bank reached 44.43 trillion yuan, reflecting a growth of 9.52%, while net loans and advances amounted to 26.58 trillion yuan, up by 6.13% [1] - The bank's total liabilities increased by 9.73% to 40.85 trillion yuan, with deposits growing by 6.11% to 30.47 trillion yuan [1] - Key financial ratios include an annualized average return on assets of 0.77%, an annualized weighted average return on equity of 10.08%, a cost-to-income ratio of 23.60%, a capital adequacy ratio of 19.51%, and a non-performing loan ratio of 1.33% [1]

Core Points - The board of directors of Xi'an Bank held its 30th meeting on August 28, 2025, where several key resolutions were passed [1][2][9] Group 1: Meeting Resolutions - The proposal to abolish the supervisory board was approved with 8 votes in favor [2] - Amendments to the Articles of Association were approved and will be submitted to the shareholders' meeting for review [2] - The proposal to revise the rules for the shareholders' meeting was approved [2] - The proposal to revise the rules for the board meeting was approved [2] - The proposal to revise the audit committee's working rules was approved [2] - The 2025 semi-annual financial report was approved [2][3] - The 2025 semi-annual report and summary were approved [2][3] - The third pillar information disclosure report for 2025 was approved [5] - The updated recovery plan for 2024 was approved [5] - The optimization of the expected credit loss model and key parameter changes were approved [5] - A credit cooperation agreement with Xi'an Public Transport Group Co., Ltd. for 1.5 billion yuan was approved [6][7] - A credit cooperation agreement with Xi'an Municipal Engineering Group Co., Ltd. for 500 million yuan was approved [6][7] - A credit cooperation agreement with Xi'an Datang Xishi Real Estate Co., Ltd. for 293.5 million yuan was approved, with the related director abstaining from the vote [8] - The three-year action plan for inclusive finance was approved [8] - The proposal to convene the third extraordinary shareholders' meeting of 2025 was approved [9]

公告编号：临2025-047 A股代码：601166 A股简称：兴业银行 可转债代码：113052 可转债简称：兴业转债 兴业银行股份有限公司 第十一届董事会第十次会议决议公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 兴业银行股份有限公司（以下简称本公司）第十一届董事会第十次会议于 议应出席董事 13 名，实际出席董事 13 名，符合《中华人民共和国公司法》和本 公司章程的规定。本公司 4 名监事和董事会秘书列席会议。 本次会议由董事长吕家进先生主持，审议通过了以下议案并形成决议： 一、关于修订章程的议案；详情请参阅 2025 年 8 月 29 日刊载于上海证券交 易所网站的《兴业银行关于修订公司章程的公告》。 表决结果：同意 13 票，反对 0 票，弃权 0 票。 二、关于修订《股东会议事规则》的议案； 表决结果：同意 13 票，反对 0 票，弃权 0 票。 兴业银行股份有限公司董事会 表决结果：同意 13 票，反对 0 票，弃权 0 票。 四、关于不再设置监事会的议案； 表决结果：同意 13 票，反对 0 票，弃权 ...