2Q 2025 Business Results 1Q25 2Q 3Q 4Q 570 570 570 (e) 570 (e) 150 500 600 (Wbn) 200 `26.1 CET1 Ratio Increase Decrease Total (%, %p) 2025.03 2025.06 OCI Changes, etc. 2Q25 RWA Profit Shareholder Return (△19bp) 13.27 13.59 Δ0.10 Δ0.11 0.36 Wtn Δ0.08 0.28 Wtn +0.16 RWA Δ4.06 Wtn +0.45 Net Income 1.55 Wtn 0.33 Wtn Buyback& Cancellations Quarterly Dividends CET1 Ratio (Preliminary) 13.59% (+32bp QoQ) RWA 340.6 Wtn (Δ1.2% QoQ) 2Q25 Net Income / EPS 1.55 Wtn / KRW 12,463 ROE / ROTCE (1H25) 11.4% / 12.9% DPS KRW ...

会议指出，上半年全行上下紧紧围绕高质量发展核心目标，在提质量、优结构、强服务、防风险、增效益方面取得显著成效。为确保全 年经营目标圆满实现，会议明确第三季度攻坚目标，聚力实现"五项工作见实效"：一是在党建引领上见实效。积极创新党建工作方式方 法，创新党建品牌活动，开展内容丰富、形式多样的党建活动；强化党建与业务深度融合，以党建共建精准服务基层群众和实体经济发 展；充分发挥示范引领作用，提升党建整体水平提升。二是在贷款投放上见实效。在信贷投放上精准发力，深耕"清单类"客户，加大"码 上贷"拓展力度，开展持续性营销活动，并为特殊客群提供个性化定制服务，以差异化策略满足多元融资需求，推动贷款投放工作落到实 处。三是在资金组织上见实效。深化客户分层分类分群管理，强化行业客户与对公客户营销，增强客户服务能力，持续优化存款结构， 推动资金组织实现量增质优。四是在效益提升上见实效。以资产负债管理为抓手，优化结构，科学定价，提高资源配置效率，完善考核 激励机制，实现经营质量稳步提升。五是在安全维稳上见实效。压实安全管理第一责任人主体责任，认真开展安全隐患大排查活动，做 到横到边、竖到底，无死角、无盲区，确保安全生产无事故；加 ...

Acnb (ACNB -0.79%), a regional community banking firm focused on Pennsylvania and northern Maryland, released its earnings for the second quarter of 2025 on July 24, 2025. GAAP revenue was $39.7 million, beating the $38.85 million GAAP analyst estimate. However, diluted earnings per share (GAAP) fell short of consensus at $1.11 (vs. $1.15 expected) and declined from $1.32 in the same period last year. This quarter marked the first full period with integrated operations following its acquisition of Tradition ...

2025 年7 月17 日，宁波银行披露2025 年半年度业绩快报，宁波银行营收利润增速均实现环比上升，不 良保持低位稳定，拨备小幅上升，在二季度外部环境不确定性增强的情况下仍表现优异。 宁波银行营收利润增速均实现环比上行。2025 年上半年公司实现营业收入增速7.9%，环比提升2.3pct， 归母净利润增速8.2%，环比一季度提高2.5pct。 投资建议：宁波银行属于积极进取的银行，长期以来坚持实施"大银行做不好，小银行做不了"的策略， 深耕优质经营区域，信贷规模增速高于行业，在宏观经济活跃度高时候获得了超额alpha。近两年，由 于名义GDP 增速下行，新增高收益资产减少，存量高收益资产风险暴露增加，公司的策略优势有所收 敛，业绩增速从之前的行业前茅退回到行业中上游水平。但这种退回是务实的，因为我们看到了公司通 过加大不良处置实现了不良低位稳定，拨备水平依然维持行业前列，债券收益兑现审慎，这都为中长期 业绩提供保障。 展望2025，财政发力，宏观经济活跃度有望提升，公司经营策略的alpha 会再回归，业绩增速有望重回 两位数和行业前列。建议积极关注。 风险提示：经济恢复不及预期；资产质量恶化超预期。 预计 ...

Core Insights - Valley National Bancorp reported strong earnings for Q2 2025, with both non-GAAP earnings and GAAP revenue exceeding Wall Street estimates, indicating steady momentum in its strategic initiatives [1][5] - The bank's focus on diversifying its lending portfolio away from commercial real estate (CRE) is a key strategic shift aimed at improving risk-adjusted returns [4][6] Financial Performance - Adjusted diluted EPS (non-GAAP) was $0.23, surpassing the expected $0.22, and up 76.9% from Q2 2024 [2][5] - GAAP revenue reached $495.0 million, exceeding estimates by $2.3 million and reflecting a 9.3% increase year-over-year [2][5] - Net interest income rose to $432.4 million, with a net interest margin of 3.01%, up from 2.83% in the previous year [2][5] Loan Portfolio and Growth - Commercial and industrial (C&I) loans grew by $719.8 million, reaching $10.87 billion, representing a 28.4% annualized growth rate [6] - Automobile loans increased by $137.6 million, while commercial real estate loans declined by $288.6 million, reducing their share of the loan portfolio to 58.4% [6][12] Deposits and Funding - Total deposits increased by $759.4 million to $50.7 billion, driven by growth in time deposits [7] - The deposit mix consisted of 23% non-interest bearing accounts, 52% savings and money market products, and 25% time deposits [7] Credit Quality and Risks - There was a notable increase in accruing past due loans, totaling $199.2 million, attributed mainly to three commercial real estate credits [8] - The allowance for credit losses remained steady at $594.0 million, or 1.20% of total loans, while non-accrual loans rose slightly to $354.4 million [8] Efficiency and Capital Position - The bank's efficiency ratio improved to 55.2%, indicating better operating expense efficiency [9] - Capital and regulatory ratios remained strong, even after an early redemption of subordinated notes [9] Strategic Focus and Future Outlook - Valley National Bancorp aims to further diversify its lending portfolio and maintain credit quality stability while managing funding costs [13] - The bank forecasts a net interest margin trend toward 3.05% for the year, with potential increases by Q4 [13]

出品 | 搜狐财经 作者 | 冯紫彤 7月25日早盘，银行板块再度走高，宁波银行领涨、半日涨幅达6.5%，常熟银行紧随其后上涨3.26%，江苏银行、渝农商行、杭州银行等区域银行也纷纷跟 涨。 从消息面上看，7月24日晚间，宁波银行发布的业绩快报显示，上半年宁波银行实现净利润147.72亿元，同比增长8.23%。这或是今日宁波银行及银行板块股 价上涨的直接催化剂。 2025年以来，银行板块始终保持着强势表现，据东方财富Choice数据，银行板块年初至今已累计上涨12.40%，远超大盘平均水平。 展望后市，机构对银行板块仍持乐观态度，普遍认为行业估值修复行情有望延续。 盈利普增，常熟银行站上"4000亿" 近期多家区域银行相继发布半年度业绩快报，盈利双位数增长成为共同特征。 7月25日银行股盘初表现抢眼，宁波银行成为板块领涨先锋。截至上午收盘，宁波银行股价上涨6.50%至29.01元/股，成交额19.01亿元。 常熟银行同样表现强劲，上涨3.26%至每股7.61元，换手率达1.96%。江苏银行、渝农商行、无锡银行、成都银行、杭州银行等区域性银行紧随其后。 2025年，银行股表现仍旧强势的强势。据Choice数据， ...

| 序号 | 当事人名称 | 行政处罚 | 违法行为类型 | 行政处罚内容 | | --- | --- | --- | --- | --- | | | (姓名、职务) | 决定书文号 | | | | 1 | 江苏紫金农村商 业银行股份有限 公司 | 苏银罚决字 | 1.违反金融统计管理规定; 2.违反账户管理规定; 定; | 警告,没收违法所得 | | | | | 3.违反特约商户管理规定; | | | | | | 4.违反支付受理终端管理规 | | | | | 〔2025〕 18 号 | 15.违反反假货币业务管理规20.22元,罚款240万元 | | | | | | 定; | | | | | | 6.违反人民币流通管理规定; | | | | | | 7.违反信用信息采集、提供、 | | | | | | 查询及相关管理规定。 | | | 2 | 沙某(时任江苏 紫金农村商业银 | 苏银罚决字 | 对江苏紫金农村商业银行股 份有限公司以下违法行为负 | 警告,罚款5 万元 | | | 行股份有限公司 | | | | | | 电子银行部总经 | [2025] 19 号 | 有责任: | | | | | | 违反 ...

Core Viewpoint - The recent administrative penalty against Zheng Han, an employee of Changcheng Guorui Securities, highlights ongoing issues of insider trading and regulatory compliance within the securities industry [1][4]. Group 1: Incident Details - Zheng Han engaged in stock and convertible bond trading using a borrowed account from February 7, 2022, to February 1, 2024, with a total transaction amount of 5.7667 million yuan [1]. - Despite the high trading volume, Zheng incurred a total loss of 48,555.17 yuan from these transactions [1]. - The regulatory body imposed a fine of 40,000 yuan on Zheng for violating the Securities Law, which prohibits securities personnel from trading under false names or others' accounts [1]. Group 2: Industry Analysis - The persistence of insider trading among securities personnel is attributed to information asymmetry, the temptation of profits, and inadequate penalties for violations [4]. - Employees often exploit their access to non-public information to gain unfair advantages in trading, leading to potential short-term profits [4]. - Current penalties for violations are perceived as insufficient to deter misconduct, and many brokerage firms lack robust internal controls to monitor employee trading activities effectively [4]. - Regulatory authorities have reiterated the importance of compliance and have committed to strict enforcement against any violations by securities personnel [4].

在受众整合上突出全学段分层施教。针对初中及高中生，着重树立正确价值观，启蒙金融安全意识；针 对职校生及大学生，结合职业规划，普及个人征信知识，构建理性消费观；针对老年大学学员，深入剖 析常见骗局。 在方式整合上多渠道增强体验感。系列宣讲活动在现场设置多种沉浸式宣传场景，提升师生体验感。针 对年轻群体，多以"短平快"的宣传方式普及金融知识；针对"银发一族"结合日常生活场景，从典型案例 警示等方面进行宣传。 在时点整合上突出关键节点精准发力。宣传活动紧扣集中宣传日及"开学季""毕业季"等节点， 如"3·15"当天通过条文讲解让师生了解金融消费者基本权利、遇到金融纠纷时可采取的解决方案。 今年以来，国家金融监督管理总局龙口监管支局联合山东烟台龙口市公安等多个部门，组织银行、保险 机构走进烟台电子工业学校、南山学院等5所院校，持续开展"护航青春助成长"金融知识进校园系列宣 讲活动。通过"五维整合"布局，将消保与防非打非知识精准宣教至不同年龄段学生群体，构建起广覆 盖、无死角的金融安全防护网。 在内容整合上突出消保与防非双轨并进。宣讲人员系统讲解消费者财产安全权、知情权、公平交易权等 八大基本权益及依法维权渠道，深度整 ...

【文/观察者网 陈思佳】据央视新闻报道，当地时间7月24日，美国总统特朗普造访美联储，视察了耗 资25亿美元的美联储大楼翻修工程。特朗普还与美联储主席鲍威尔讨论了利率问题，称"这次谈话很有 成效"。这是近20年来，首次有美国现任总统访问美联储。 特朗普在视察期间再次抨击翻修工程的成本问题，称美联储的项目"严重超支"。他还表示，如果鲍威尔 想平息白宫的不满，美联储需要降息。在一些分析人士看来，美联储一直没有按照特朗普的要求降息， 已经引起特朗普的愤怒，他和共和党人频频对美联储翻修工程找茬，目的可能是为罢免鲍威尔寻找借 口。 特朗普此前已多次呼吁美联储降息，他认为，美联储维持高利率，使得联邦政府陷入了为其债务支付巨 额利率的困境，增加了企业和消费者借贷的难度。但金融分析人士指出，当前美国的通货膨胀水平依然 高于预期，过早降息可能加剧美国的通货膨胀风险。 "特朗普想为罢免鲍威尔找借口" 位于美国华盛顿特区的两栋美联储大楼建于上世纪30年代，此前从未进行过翻修，需要建设新的管道、 电力、供暖、用水等基础设施。翻修工程在2017年得到美联储理事会批准，并在2022年启动。然而，这 项翻修工程在过去几年里出现成本超支的问 ...