| 华夏银行股 相关贷款、票据、 | | 对华夏银行股份有限公司罚款8725 | | | --- | --- | --- | --- | | 份有限公司 | 同业等业务管理不 | 力元。 | 金融监管 | | 及相关责任 | 审慎,监管数据报 | 对陈成天、刘建新警告；对钱建 | 总局 | | | | 华、何羽、吕玉梅、涂超警告并罚 | | | 人员 | 送不合规等 | 款合计20万元。 | | 对此，华夏银行回复21世纪经济报道记者称，该行收到国家金融监督管理总局2023年对该行开 展风险管理及内控有效性现场检查进行行政处罚的决定书。对于监管部门的处罚决定，该行诚 恳接受。对于监管处罚问题，该行高度重视，深入分析问题成因，已迅速落实各项整改措施， 并对相关责任人员进行严肃问责。下一步华夏银行将严格落实监管要求，持续强化内控合规管 理，推动业务经营健康发展。 出品丨21财经客户端 21世纪经济报道 编辑丨江佩佩 张嘉钰 锂电概念爆发，多家龙头企业宣布扩产 ESG信披指南扩容！三份实操工具出炉，披露倒计时8个月 超93亿美元！siRNA赛道升温，中国药企竞速全球 SFC 21君荐读 记者丨 张欣 编辑丨杨希 9 ...

经济观察报 记者 胡艳明 （原标题：华夏银行回应监管罚单：深入分析问题成因，已迅速落实各项整改措施） 2025年9月5日，国家金融监督管理总局（下称"金融监管总局"）网站公布行政处罚信息，对多家金融机 构开出罚单。 近日，华夏银行公布的2025年半年报显示，截至报告期末，该行资产总额达45496.25亿元，比上年末增 长3.96%；实现营业收入455.22亿元，比上年同期下降5.86%，比2025年一季度收窄11.87个百分点；实 现归属于上市公司股东的净利润114.70亿元，比上年同期下降7.95%，比2025年一季度收窄6.09个百分 点。资产质量保持稳定，不良贷款率为1.60%，与上年末持平。 华夏银行表示，这是金融监管总局2023年对该行开展风险管理及内控有效性现场检查进行行政处罚的决 定书。 华夏银行表示："对于监管部门的处罚决定，我行诚恳接受。对于监管处罚问题，我行高度重视，深入 分析问题成因，已迅速落实各项整改措施，并对相关责任人员进行严肃问责。下一步我行将严格落实监 管要求，持续强化内控合规管理，推动业务经营健康发展。" 其中一份罚单显示，华夏银行及相关责任人员存在相关贷款、票据、同业等业务管 ...

2025年上半年，证券行业在市场活跃度回升与业务结构优化的双重驱动下，薪酬水平呈现显著增长态 势。据Wind数据，42家上市券商中，除去涉及合并的国泰海通、国联民生和浙商证券3家券商外，39家 具有可比数据的上市券商薪酬总额合计达777.15亿元，较2024年同期的657.55亿元同比增长18.19%。 | 证券代码 | 证券简称 | 薪酬总额(亿元) | 同比增长 | | --- | --- | --- | --- | | 600030.SH | 中信证券 | 111.23 | 13.58% | | 601211.SH | 国泰海通 | 88.05 | 118.29% | | 601995.SH | 中含公司 | 55.72 | 27.53% | | 601688.5H | 华泰证券 | 51.37 | 21.46% | | 000776.SZ | 广发证券 | 45.53 | 20.92% | | 601881.SH | 中国银河 | 44.70 | 24.07% | | 000166.SZ | 申万宏源 | 40.39 | 24.13% | | 002736.SZ | 国信证券 | 36.87 | 43 ...

银行零售业务压力仍存 21世纪经济报道记者 黄子潇 深圳报道 随着2025年中报的披露完毕，各家"零售银行"的成绩单陆续揭晓。 一方面，从营收、利润表现来看，银行零售业务仍然承压；另一方面，在对公信贷质量改善之时，零售 信贷风险却仍在抬升，有银行在业绩会上直言"全行业零售风险未见拐点"。 在净息差持续收窄、零售风险抬升的背景下，商业银行们正在探索新的零售转型路径。 21世纪经济报道注意到，"零售AUM（管理零售客户总资产）"在中报季中被多家银行反复提及。这一 指标被视为大财富管理的"基本盘"、部分银行口中"北极星"指标，是衡量银行零售综合能力的一个关键 参考值。 近年来，依赖高风险、高收益零售资产的业务模式逐渐难以为继，银行们将重心迅速转向扩大AUM规 模，以提升中间业务收入，重塑以财富管理为导向的"新零售转型"路径。 对于哪些银行可以称为"零售银行"，可以从零售业务的营收贡献进行初步判断。 21世纪经济报道记者根据2025年中报统计发现，目前在国有银行和股份制银行中，有三家银行的零售业 务的营收占比超过50%，分别为邮储银行（65.15%）、招商银行（56.59%）、农业银行（51.40%）。 对比来看，以 ...

Core Viewpoint - Harbin Bank reported a stable growth in its mid-year performance for 2025, focusing on asset and liability restructuring, risk management, and deepening service to the real economy, achieving improvements in scale, quality, structure, and efficiency [2][4]. Financial Performance - As of June 30, 2025, the total assets of the group reached RMB 9,275.275 billion, an increase of RMB 112.956 billion, or 1.23% from the end of the previous year [2]. - Total customer loans and advances amounted to RMB 3,975.663 billion, up RMB 184.724 billion, or 4.87% [2]. - Total customer deposits were RMB 6,950.559 billion, with a slight increase of RMB 13.765 billion, or 0.20% [2]. - The group achieved operating income of RMB 73.855 billion, a year-on-year increase of 2.59% [2]. - Net profit reached RMB 9.921 billion, up RMB 1.462 billion, or 17.28% year-on-year [2]. - Return on average total assets was 0.22%, up 0.02 percentage points year-on-year [2]. - Return on average equity was 2.07%, an increase of 0.57 percentage points year-on-year [2]. Asset Quality - The non-performing loan balance was RMB 112.697 billion, with a non-performing loan ratio of 2.83%, down 0.01 percentage points from the end of the previous year [3]. - The provision coverage ratio was 209.95%, up 7.36 percentage points [3]. - The loan impairment loss provision ratio was 5.95%, an increase of 0.20 percentage points [3]. Support for Real Economy - The group emphasized financial support for the real economy, focusing on sectors such as technology finance, green finance, and inclusive finance [4]. - Company loans totaled RMB 2,332.248 billion, representing 58.7% of total loans, with an increase of RMB 278.198 billion [4]. Inclusive Finance Initiatives - The group launched a new digital retail credit product "Qian Dao Jia," enhancing online management and digital operations for small and micro enterprises [5]. - Inclusive finance loans for small and micro enterprises reached RMB 169.18 billion, up RMB 16.2 billion year-on-year, with a balance of RMB 411.98 billion, growing at 11.72% [5]. Retail Banking Development - Retail deposits totaled RMB 5,099.701 billion, an increase of RMB 99.931 billion, or 2.0% [7]. - The group maintained a 19.58% market share in retail deposits in Harbin, ranking first in the local market [7]. Cross-Border Business Growth - The group established partnerships with over a hundred financial institutions in 13 Belt and Road countries, promoting cross-border RMB payment services [10]. - Cross-border settlement business volume saw significant growth, enhancing the quality of cross-border financial services [10]. Digital Transformation - The group is advancing its "Digital Harbin Bank" initiative, focusing on enhancing operational security and technology-driven capabilities [12]. - The group is committed to optimizing its international settlement systems and improving efficiency in cross-border financial services [11].

All right, we got to start with the jobs report. What are your expectations. Do you see this as a market moving event or do you think the idea of a rate cuts kind of baked into the market and unless we see an outsized move, the market won't react much.Yeah, you know, clearly the the jobs reports the big news today. We we've already seen softness in some reports this week. You talking about it earlier, you know, but I think the market's absolutely kind of priced in this 25 point basis cut.I think futures are ...

Summary of BBVA's M&A Announcement Conference Call Company and Industry - **Company**: Banco Bilbao Vizcaya Argentaria (BBVA) - **Industry**: Banking and Financial Services Core Points and Arguments 1. **M&A Approval**: The Spanish securities regulator CNMV has approved BBVA's offer to acquire Banco Sabadell, allowing shareholders to accept the offer starting Monday [2][25] 2. **Strategic Rationale**: The merger is presented as a strategic opportunity for both banks, emphasizing the complementary nature of their businesses, with BBVA focusing on retail and large corporations, while Sabadell has a strong presence in SMEs [3][4] 3. **Value Creation**: The transaction is expected to create significant value through synergies, with an estimated annual synergy of €900 million post-merger, which is an increase from previous estimates [12][13] 4. **Financial Impact**: The merger is projected to increase earnings per share (EPS) by 5% for BBVA shareholders and by 25% for Sabadell shareholders [24] 5. **Market Positioning**: The merger aims to create a stronger entity better positioned to face future challenges, particularly in the context of increasing technological disruption and regulatory requirements [4][5] 6. **Global Reach**: BBVA's global operations, with over €2 billion in cross-border business revenues, will enhance the product offerings and geographical reach for Sabadell's clients [5] 7. **Commitment to Credit Volume**: BBVA guarantees the total credit volume for Sabadell's SMEs and self-employed clients for five years, which is expected to inject €5.4 billion annually into the economy [6][7] 8. **Employee Opportunities**: The merger is expected to create new professional opportunities within a leading global entity, promoting meritocracy and preserving the cultures of both banks [7] 9. **Cost Synergies Breakdown**: The €900 million in synergies includes €835 million from cost synergies, with €510 million from general cost savings and €325 million from personnel cost savings [13] 10. **Restructuring Costs**: Estimated restructuring costs are projected at €1.45 billion before taxes, primarily incurred before the merger [14][15] 11. **Offer Details**: The offer consists of one BBVA share plus €0.70 for every 5.5483 shares of Banco Sabadell, contingent on receiving more than 50% of voting rights [16][17] 12. **Market Valuation**: The current value of the offer is €17.4 billion, reflecting a 43% increase since the initial announcement, which is the highest valuation for Sabadell in over a decade [18][19] 13. **Comparison with Competitors**: BBVA's stock performance has significantly outpaced that of its competitors, with a 397% increase since January 2019 compared to 199% for Spanish banks and 221% for European banks [10][11] 14. **Future Financial Goals**: BBVA has set ambitious financial targets for sustained value creation in the coming years, focusing on profitability and efficiency [12] Other Important but Possibly Overlooked Content 1. **Regulatory Alignment**: The inclusion of a 30% acceptance threshold in the offer was a response to regulatory requests to align timelines between U.S. and European processes [29][30] 2. **Impact of Government Intervention**: The government’s intervention has caused a slight delay in the merger process, but BBVA remains confident in the attractiveness of the offer despite these challenges [61][62] 3. **Dividend Policy**: There are no immediate plans to change Sabadell's dividend policy post-merger, although BBVA will review various aspects of the business [38][45] 4. **Employee Adjustments**: Specific figures regarding potential job cuts have not been disclosed, but personnel costs are expected to contribute to the overall cost synergies [40][43][77] 5. **Market Sentiment**: Analysts have mixed views on the optimism of BBVA's synergy calculations, with some suggesting they may be conservative rather than overly optimistic [69][77]

（文章来源：北京商报） 9月5日，苏州银行发布公告，该行9月5日召开的第五届董事会第二十八次会议审议通过了《关于聘任苏 州银行股份有限公司行长助理的议案》，同意聘任马天舒为该行行长助理，其任职资格待国家金融监督 管理总局江苏监管局核准，任期自任职资格核准之日起至该行第五届董事会届满之日止。 公开资料显示，马天舒1970年9月出生，本科学历，现任苏州金融租赁股份有限公司总裁、董事。历任 中国建设银行常熟市支行信用卡部办事员、常熟吴市办事处副主任、东张办事处副主任、东张分理处主 任、电厂分理处主任、常熟支行行长助理、太仓支行副行长、常熟支行副行长、常熟分行副行长，苏州 银行常熟支行行长、公司银行总部房地产事业部总裁、公司银行总部风险授信部风险总监、公司银行总 部风险总监兼风险合规部总经理、公司银行南京区域总裁、南京分行行长、南京分行党委书记，苏州金 融租赁股份有限公司党委书记、总裁、董事。 ...

戴炜还称，北京银行现在取得的成绩是来自于30多万公司客户、3000多万零售客户的信任和支持，未来 该行将更加注重为客户提供全方位、高效率的金融服务。北京银行会把为客户的财富保值增值作为经营 的第一目标，而不是只关注自身的盈利和营收水平。 "同时我们也更加珍惜我们的员工，因为他们是我们传递服务创造价值最主要的力量。我们会创造更好 的内部环境，为大家创造一个干事创业的良好氛围。"戴炜如是说。 北京银行半年报显示，上半年，该行实现营业收入362.18亿元，同比增长1.02%；实现归属于母公司股 东的净利润150.53亿元，同比增长1.12%；实现资产收益率（ROA）0.67%，加权平均净资产收益率 （ROE）10.64%。 （文章来源：21世纪经济报道） 9月5日，北京银行召开2025年半年度业绩说明会，北京银行董事长霍学文、行长戴炜等高管出席并答记 者问。 戴炜表示，银行是一个经营风险的（企）行业，也是一个收益前置风险后置的行业，近年来北京银行对 风险管理的重视程度比以前更加提高。"我们既加大了现有的不良资产处置力度，也加大了对新增不良 资产的问责力度，我们要把投资人投给我们的每一分钱用好，未来将追求更高的ROE ...

Core Viewpoint - The performance of A-share listed banks in the first half of 2025 shows a "steady progress" with a total revenue of approximately 2.92 trillion yuan and a net profit of about 1.1 trillion yuan, indicating resilience amid challenges such as narrowing interest margins and risk management [1][12]. Revenue and Profit Performance - A-share listed banks collectively maintained stable revenue growth, with over 60% of the 42 banks reporting increases in both revenue and net profit [2][5]. - The six major state-owned banks played a crucial role, achieving a combined revenue of 1.8 trillion yuan and a net profit of 684.1 billion yuan [2]. - Notable revenue growth was observed in several joint-stock banks, with Shanghai Pudong Development Bank and Minsheng Bank reporting increases of 2.62% and 7.83% respectively [4]. - Regional city commercial banks and rural commercial banks also showed strong revenue performance, with Chengdu Bank and Ningbo Bank achieving growth rates of 5.91% and 7.91% respectively [4]. Profitability Trends - Despite revenue growth, many banks faced challenges in translating this into profit, with several banks experiencing "revenue growth without profit growth" [4][5]. - Major banks like ICBC and CCB saw a decline in net profit, with ICBC reporting a decrease of 1.45% [5]. - Among joint-stock banks, Shanghai Pudong Development Bank reported a net profit increase of 9.42%, while others like Huaxia Bank and Minsheng Bank experienced declines [7]. Net Interest Margin Analysis - The net interest margin (NIM) for listed banks generally faced pressure, with significant declines noted across major banks [8][11]. - ICBC's NIM fell to 1.30%, down 13 basis points from the previous year, while CCB's NIM decreased by 14 basis points to 1.40% [8]. - Some regional banks maintained relatively stable NIMs, such as Ningbo Bank with a NIM of 1.76%, only down 11 basis points [11]. Future Outlook - The banking sector is expected to continue focusing on high-quality development, with strategies including optimizing asset allocation and enhancing risk management [12]. - The outlook for the second half of 2025 is positive, with expectations of improved profitability driven by economic recovery and digital transformation initiatives [12].