转自：新华财经 7月10日，渤海银行长春分行营业部多岗位联动，开启了一场与时间赛跑的"资金保卫战"，成功为客户 挽回资金损失。 通力合作，避免客户10万元资金损失 当日上午，市民郑阿姨匆匆来到渤海银行长春分行营业部，焦急地表示要办理大额转账业务，要参与一 个高回报投资项目，且转账对象不断通过电话催促。此前她已通过其他银行向类似"投资项目"转账5万 元，至今"血本无归"，这次是抱着"翻本"的心态准备再投入10万元。 凭借丰富的反诈经验，银行大堂经理立刻警觉起来，随即向厅堂服务经理示意，两人一边安抚阿姨情 绪，一边耐心讲解近期高发的非法集资案例。随后，该银行厅堂主管也结合监管部门发布的反诈宣传资 料，提醒阿姨切勿因"挽回损失"的心态再次陷入骗局。银行理财经理针对郑阿姨资金需求，为其介绍正 规的金融产品，并讲授理财等金融知识，让阿姨放弃了高收益想法。 此次成功拦截电诈，得到公安机关的书面表扬，也充分体现了该行员工高度的责任心与专业素养，更彰 显了该行在金融消费者权益保护工作中的扎实成效。 一直以来，渤海银行长春分行始终把客户资金安全放在首位，通过常态化开展反诈培训、厅堂宣传、案 例警示等方式，包括每月组织反诈情景演 ...

U.S. Bancorp USB posted upbeat earnings for the second quarter but fell short of revenue expectations.The company reported second-quarter adjusted earnings per share of $1.11, beating the analyst consensus estimate of $1.07.Quarterly sales of $7.004 billion (+2% year over year) missed the Street view of $7.052 billion. On a GAAP basis, U.S. Bancorp registered revenues of $6.975 billion, missing the analyst consensus estimate of $7.052 billion."Year-over-year top-line revenue growth, coupled with our continu ...

Core Insights - Coop Pank held an investor webinar on July 18, 2025, to present its unaudited financial results for the second quarter of 2025 [1] - The bank reported a client base of 218,000, indicating growth in its retail banking services [1] - Coop Pank is strategically aligned with the domestic retail chain Coop Eesti, which consists of 320 stores, enhancing its market presence [1] Financial Performance - The financial results discussed in the webinar were unaudited, reflecting the bank's performance for Q2 2025 [1] - The bank aims to leverage synergies between its retail business and banking operations to improve service delivery [1] Company Overview - Coop Pank is one of the five universal banks operating in Estonia, focusing on providing accessible banking services [1] - The bank's strategic shareholder, Coop Eesti, plays a significant role in its operational strategy and market reach [1]

人民网深圳7月18日电 (王星)7月17日至18日，2025中国(深圳)独角兽企业大会在深圳举办。本次大会 以"新质驱动·未来领航"为主题，汇聚政府部门、金融机构、投资机构、智库及独角兽企业代表，围绕 支持独角兽、潜在独角兽、种子独角兽、瞪羚等企业，共同探讨创新企业全球化发展的新机遇与新路 径。 交通银行深圳分行党委委员、副行长谢磊致辞表示，在深圳这片孕育独角兽企业的热土上，交行坚持以 金融服务实体经济、支持科技创新为己任，打造"交银科创"金融服务体系，围绕科技企业从种子期到成 熟期的全生命周期需求，构建"股贷债租托"一体化的综合金融解决方案，助力独角兽企业快速发展成 长。 交 通银行深圳分行党委委员、副行长谢磊致辞。主办方供图 作为大会联合主办方，交通银行充分发挥国际化、综合化优势，深度参与大会各项活动。大会期间，交 通银行与各方共同见证《GEI中国独角兽企业研究报告2025》《深圳市独角兽企业及瞪羚企业研究报告 2025》的发布，并为"独角兽企业服务联盟"揭牌，标志着针对高成长企业的"政策-资本-产业-金融"全链 条服务体系正式落地。 "独角兽企业服务联盟"揭牌。主办方供图 在"独角兽企业出海交流会"分会 ...

Core Viewpoint - WaFd, Inc. (WAFD) reported better-than-expected quarterly results, with adjusted earnings of 73 cents per share, surpassing the Zacks Consensus Estimate of 67 cents, although this represented a 3.9% year-over-year decline [1][9] Financial Performance - The company's net income available to common shareholders was $58.3 million, down 4.3% from the prior-year quarter, while the estimate was $51.9 million [2] - Quarterly net revenues were $186.261 million, a decrease of 4.2% year over year, but exceeded the Zacks Consensus Estimate of $185.7 million [3] - Net interest income (NII) was $160.9 million, declining 5.2% year over year, primarily due to a lower loan balance, while net interest margin (NIM) increased by 13 basis points to 2.69% [3] - Total non-interest income rose 5.9% to $18.3 million, surpassing the estimate of $17.2 million, while total non-interest expenses fell 5.2% to $104.3 million [4] Efficiency and Returns - The efficiency ratio improved to 56.01%, down from 56.61% in the prior-year quarter, indicating enhanced profitability [5] - Return on average common equity was 8.54%, down from 9.20%, while return on average assets increased to 0.92% from 0.87% [5] Loans and Deposits - As of June 30, 2025, net loans receivable were $20.28 billion, down 3.1% from the prior quarter, while total customer deposits were $21.39 billion, showing a slight decline [6] Credit Quality - The allowance for credit losses increased to 1.03% of gross loans outstanding, up from 1.00% in the prior-year quarter, with non-performing assets to total assets ratio rising to 0.36% from 0.24% [7] - Provision for credit losses was $2 million, a significant increase of 33.3% from the year-ago quarter [7] Share Repurchase Activity - During the reported quarter, WAFD repurchased 1.66 million shares at an average price of $29.08 per share [10] Strategic Outlook - The company is expected to benefit from relatively higher interest rates, business restructuring, and a strong balance sheet, with the acquisition of Luther Burbank Corporation enhancing its presence in California [11]

Financial Data and Key Metrics Changes - The company reported net income available to common shareholders of $1,200,000,000 or $0.90 per share, which included $0.02 of restructuring charges and $0.01 of losses from the sale of certain investment securities [7][19] - Adjusted revenue increased by 2.1% linked quarter, driven by a 2.3% growth in net interest income and a 1.8% growth in non-interest income [20] - Average loans held for investment increased by 2% on a linked quarter basis, with end of period loans increasing by $10,200,000,000 or 3.3% [21] Business Line Data and Key Metrics Changes - In consumer and small business banking, average loan balances increased by 2.8% linked quarter, with end of period balances up by 3.8% due to growth in residential mortgage and indirect auto loans [12] - Wholesale loans saw a 1.5% growth in average loans and a 2.9% increase in end of period loans, driven by new and existing clients [13][14] - Treasury management revenue increased by 14% year-over-year, reflecting enhanced client engagement and digital capabilities [16] Market Data and Key Metrics Changes - The company experienced strong loan production and new client acquisition across both consumer and wholesale segments, helping to offset market volatility in trading and capital markets [8][10] - The average deposit balances increased by $8,300,000,000 sequentially, or 2.1%, driven by growth in interest checking and time deposits [22] - The cumulative interest-bearing deposit beta declined from 43% to 37% on a linked quarter basis, indicating a stabilization in deposit costs [23] Company Strategy and Development Direction - The company is focused on executing strategic growth initiatives, maintaining credit and risk discipline, and returning capital to shareholders [34] - Investments in talent, technology, and risk infrastructure are prioritized to enhance client experience and operational efficiency [35][88] - The company aims to deepen client relationships and expand its presence in key growth markets, particularly in payments and wealth management [6][15] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the strength of both consumer and wholesale client portfolios, noting good credit quality and liquidity among clients [42][46] - The outlook for revenue growth remains unchanged, with expectations for net interest income to increase by 3% in 2025 compared to 2024 [31] - Management anticipates a recovery in investment banking and trading revenue in the second half of 2025, supported by a strong pipeline [26] Other Important Information - The company returned $1,400,000,000 of capital to shareholders during the quarter through dividends and share repurchases, with plans to target approximately $500,000,000 in share repurchases for the third quarter [10][11] - The company maintained strong asset quality metrics, with non-performing loans and net charge-offs decreasing [9][28] Q&A Session Summary Question: Overall sentiment among the customer base - Management noted strong consumer business performance and good credit quality, with new clients impressed by the company's purpose-driven focus and product capabilities [42][46] Question: Anticipated pace of share repurchase - The reduction in share repurchase was described as opportunistic, with a focus on maintaining a balance between capital return and banking franchise growth [48][49] Question: Deposit competition and costs - Management indicated that deposit competition is rational, with expectations for deposit costs to stabilize and potentially improve in the coming quarters [56][61] Question: Fee revenue growth and trading recovery - Management observed a bounce back in trading and investment banking revenue, with expectations for normalized results in the third quarter [66][67] Question: Operating leverage and profitability - Management highlighted various initiatives to improve profitability, including capital-efficient revenue generation and continued focus on client deposit growth [72][74] Question: Significance of RTP capability for commercial deposits - The RTP capability is seen as a significant innovation that enhances client experience and could lead to increased wallet share among commercial clients [75][77] Question: Restructuring expenses and investments - Most restructuring charges were related to severance, not merger-related, and management emphasized ongoing investments in technology and talent [85][88]

Comerica (CMA) Q2 2025 Earnings Call July 18, 2025 08:00 AM ET Company ParticipantsKelly Gage - Director - IRCurtis Farmer - Chairman, CEO & PresidentJames Herzog - CFO & Senior EVPManan Gosalia - Head - U.S. Midcaps Banks ResearchPeter Sefzik - Senior EVP & Chief Banking OfficerJon Arfstrom - MD & Associate Director - US ResearchMike Mayo - MD & Head - US Large-Cap Bank ResearchAnthony Elian - Equity Research – BanksAndrew Leischner - AVP - Equity ResearchMelinda Chausse - Senior EVP & Chief Credit Officer ...

Core Viewpoint - Bank First Corporation has announced a merger agreement with Centre 1 Bancorp, Inc., aiming to enhance service capabilities and expand its market presence in Wisconsin and northern Illinois through an all-stock transaction valued at approximately $174.3 million [2][3]. Group 1: Transaction Details - Bank First will acquire 100% of Centre's common stock, with each Centre shareholder receiving 0.9200 of a share of Bank First's common stock for each share of Centre common stock [3]. - The transaction is expected to close in the first quarter of 2026, pending regulatory approval and shareholder consent [6]. Group 2: Financial Impact - As of June 30, 2025, First National Bank and Trust Company had approximately $1.55 billion in consolidated assets, $994.9 million in gross loans, and $1.29 billion in deposits [7]. - Post-merger, the combined entity will have total assets of approximately $5.91 billion, loans of approximately $4.58 billion, and deposits of approximately $4.89 billion [7]. Group 3: Strategic Benefits - The merger combines two community-focused banks, enhancing their ability to serve customers with greater resources and capabilities [5][8]. - The strategic geographic alignment allows Bank First to expand into new markets without overlap, supporting long-term value creation [8]. - The merger is expected to enhance shareholder value through combined financial strength and a focus on disciplined growth [8]. Group 4: Leadership and Advisory - Following the merger, Steve Eldred, CEO of Centre, will join the Board of Directors of Bank First [5]. - Piper Sandler & Co. and Hovde Group, LLC served as financial advisors for Bank First and Centre, respectively [9].

Net income of $16.9 million and $35.1 million for the three and six months ended June 30, 2025, respectively Earnings per common share of $1.71 and $3.53 for the three and six months ended June 30, 2025, respectively Annualized return on average assets of 1.54% and 1.59% for the three and six months ended June 30, 2025, respectively Quarterly cash dividend of $0.45 per share declared, matching the prior quarter and 12.5% higher than the prior-year second quarterMANITOWOC, Wis., July 18, 2025 /PRNewswire/ - ...

Financial Performance - GAAP EPS was $0.34, including a $0.04 impact from a $58 million decrease in pre-tax earnings due to securities repositioning and Notable Items that decreased pre-tax earnings by $3 million[27] - ROTCE was 16.1%, or 17.6% on an adjusted basis[21] - Total revenue (FTE) grew by 8% YoY[29] - Pre-Provision Net Revenue (PPNR) grew by 8% YoY, or 15% on an adjusted basis[29] Loan and Deposit Growth - Average loans increased by $2.3 billion QoQ, representing a 1.8% increase[27] - Average loans increased by 7.9% YoY[20] - Average deposits increased by $1.8 billion QoQ, representing a 1.1% increase[27] - Average deposits increased by 6.4% YoY[20] Capital and Credit Quality - Tangible book value per share grew by 16% YoY[20] - Adjusted CET1 increased by 40bps over the last 4 quarters[21] - Net charge-offs were 0.20%[20] - Uninsured deposit coverage was 2x[20] Strategic Initiatives - Consumer primary bank relationship (PBR) grew by 4% YoY, and business PBR grew by 6% YoY[21] - Key Strategic Fee areas grew by 11% YoY[21] - The company announced the acquisition of Veritex in Texas[21]