某大中型股份行近期调整了部分关键零售业务考核指标，目标剑指提高零售活期存款增量、压降零售存 款付息率、鼓励获取保险金 信托等"高质量AUM"。面对零售存款定期化趋势加深、零售信贷投放缩量 的困境，上述股份行代表已经从内部考核机制开始"动刀"，试图在"缓增长"的大环境下，构筑更有韧性 的零售 负债和 资产结构。 (证券时报) ...

在资产端信贷"投不动"（多家行零售信贷增速连续几个季度放缓、更有甚者个贷投放负增长）、负债端存 款"定期化"加深，由零售业务创造的营收占比节节下降的眼下——有以零售业务著称的股份行坐不住了。 券商中国记者独家获悉，某大中型股份行近期调整了部分关键零售业务考核指标，目标剑指提高零售活期存款 增量、压降零售存款付息率、鼓励获取保险金信托等"高质量AUM"。 面对零售存款定期化趋势加深、零售信贷投放缩量的困境，上述股份行代表已经从内部考核机制开始"动刀"， 试图在"缓增长"的大环境下，构筑更有韧性的零售负债和资产结构。 考核大棒指向低成本活期存款获取 "优化存款结构、不断加强负债成本管控"，这一被每家银行高管在各类场合反复提及的做法，正在部分落到考 核指标上。 券商中国记者独家从某以零售业务见长的股份行内部获悉，该行拟在多个重点分行加大对低成本存款获取的考 核，提高活期存款增量营收贡献奖励（提高一个百分比）。同时，将交易类存款按照产品类型及存款期限细 分，差异化进行考核奖励。 具体来看，"存款营收"项目就可以细化为管户类存款营收（活期、其他保证金、其他定期存款、其他通知存 款）、管户类存款存量营收、管户类存款增量营 ...

Group 1 - First Bancorp has a market capitalization of $1.98 billion, indicating it is a decent-sized bank [1] - The focus of Crude Value Insights is on cash flow and companies that generate it, highlighting value and growth prospects in the oil and natural gas sector [1] Group 2 - Subscribers of Crude Value Insights have access to a 50+ stock model account and in-depth cash flow analyses of exploration and production firms [2] - The service includes live chat discussions about the oil and gas sector, enhancing community engagement [2]

Group 1 - The article discusses the author's long-term investment approach, focusing on REITs, preferred stocks, and high-yield bonds, which began in high school in 2011 [1] - The author has recently combined long stock positions with covered calls and cash secured puts, indicating a strategy that balances risk and return [1] - The primary focus of the author's coverage on Seeking Alpha includes REITs and financials, with occasional insights on ETFs and macro-driven stock ideas [1]

Group 1 - KeyCorp reported better-than-expected results for its second fiscal quarter, driven by a favorable interest rate environment and increased net interest income [1] - The company demonstrated strong performance in its core loan and deposit businesses, contributing to its positive financial outlook [1] - Analysts maintain a favorable outlook for KeyCorp's net interest income moving forward [1]

"当前，人工智能驱动的科技革命正深刻重塑行业生态。"中信证券表示，公司在中信集团"人工智能 +"战略引领下，将AI作为数字化转型核心抓手，全力推进数字员工体系建设，旨在突破传统效能瓶 颈，为证券行业智能化发展注入新动能。 中证报中证网讯（记者 刘英杰 谭丁豪）7月26日，2025世界人工智能大会（WAIC）在上海世博中心启 幕。作为全球人工智能领域的重要盛会，本届大会聚焦技术交流与成果转化，吸引全球目光。中信集团 携旗下20家企业连续第4年参展。大会上，中信证券重点展示的AI数字员工成为金融科技领域的关注焦 点，展示其以人工智能构建金融新质生产力的探索成果。 据了解，中信证券的数字员工已实现从辅助工具到"智能伙伴"的跨越。该体系以智能化、拟人化、高效 协同为目标，为员工配备"数字分身""岗位专属数字员工"及"数字助理"。在优化流程性工作与复杂决策 质效的同时，更将顶尖专家经验沉淀为标准化智能工具，赋能一线人员提升服务水平，让优质金融服务 覆盖更广泛群体，构建起人机协同的新型工作生态。 中信证券表示，支撑数字员工高效运转的是公司打造的"智算底座-大模型中台-业务应用"三位一体人工 智能布局。在智算底座层面，其遵 ...

Core Viewpoint - Glacier Bancorp (NYSE: GBCI) shares have remained flat over the past year, missing out on a significant equity market rally and are still below their post-election high [1] Company Performance - The stock has not participated in the broader market gains, indicating potential underperformance relative to peers [1] Investment Strategy - The article suggests a contrarian investment approach based on macro views and stock-specific turnaround stories to achieve outsized returns with a favorable risk/reward profile [1]

作为地方金融的主力军，郑州银行始终坚守服务地方经济的初心使命，将自身发展深度融入地方经济社 会发展大局。2025年以来，无论是一季度的稳健增长，还是上半年的持续发力，郑州银行都以扎实的业 绩和精准的金融服务，彰显着金融机构的社会担当，为地方经济高质量发展注入了强劲动力。 规模与质效双提升，筑牢服务地方经济根基 聚焦创新与民生，拓宽服务地方维度 在科技创新领域，郑州银行持续做深"科技金融大文章"。不仅在郑州西、北、南三个大学城及经开区新 挂牌4家科技特色支行，配置"懂技术、懂产业、懂金融"的专业团队，还与河南省郑洛新国投双创基 金、嵩山实验室等探索"银基联动""银研联动"模式，成为首批"郑科贷"业务合作金融机构。同时，深度 融入"两城一谷"战略布局，支持北理工郑州研究院等项目，重点扶持芯片设计、低空经济等领域科技企 业，2024年末科创金融贷款余额达482.69亿元，增速高达44.50%，为区域科技创新注入了金融"活水"。 业绩的稳健增长是服务能力的有力证明。一季度，郑州银行实现营业收入34.75亿元，同比增长2.22%； 归属于本行股东的净利润10.16亿元，同比增长4.98%，在复杂的经济环境中保持了良好的 ...

Core Viewpoint - The management team of Shanghai Bank has collectively increased their holdings in the bank's A-shares during a recent price dip, indicating confidence in the bank's future performance and potential investment opportunities in the banking sector [1][2][9]. Group 1: Management Actions - A total of 10 executives, including the party secretary and the president, purchased 440,000 shares of Shanghai Bank between July 23 and July 25, with a total expenditure estimated between 4.6024 million and 4.708 million yuan [1][3]. - The share purchase price ranged from 10.46 yuan to 10.7 yuan per share, and the executives committed to holding these shares for two years [3][4]. - The party secretary, Gu Jianzhong, bought 100,000 shares, while other executives, including the president and vice presidents, also made significant purchases [4][5]. Group 2: Market Context - The A-share banking sector has seen a continuous rise in stock prices, with many banks reaching historical highs this year [2]. - Despite the overall upward trend, Shanghai Bank's stock experienced a decline of 8.66% from July 7 to July 25, prompting the management's buying action during this correction period [8][9]. - The bank's performance in the first quarter of 2025 showed a revenue of 13.597 billion yuan, a year-on-year increase of 3.85%, and a net profit of 6.292 billion yuan, up 2.30% [5]. Group 3: Broader Industry Trends - Other banks, such as Lanzhou Bank and Jiangsu Bank, have also seen management and institutional shareholders actively increasing their stakes this year [10][12]. - However, several banks have faced challenges in executing their announced buyback plans due to market volatility and price limits, leading to delays or cancellations [15][16]. - The banking sector has attracted significant capital inflows, with various institutional investors increasing their holdings, reflecting a strong interest in bank stocks despite recent price fluctuations [17][18].

会议听取了市委金融委员会2024年工作情况及苏州科技金融国际合作发展区一揽子工作安排，讨论 了2025年工作要点。中国人民银行苏州市分行、国家金融监管总局苏州监管分局、市发展改革委、市财 政局作交流发言。 7月25日，市委金融委员会召开第二次全体会议，深入学习贯彻习近平总书记关于金融工作重要论 述，传达学习中央关于加强金融系统党建工作的意见以及省委金融委全体会议精神，研究部署当前及下 一阶段金融工作。市委书记、市委金融委员会主任刘小涛主持会议并讲话。市长、市委金融委员会主任 吴庆文作安排部署。 会议充分肯定了市委金融委员会组建以来的各项工作。会议指出，要深入学习贯彻习近平总书记关 于金融工作的重要论述，牢牢把握金融工作政治性、人民性，统筹抓好金融改革发展稳定各项任务，着 力推动金融高质量发展，为服务全省挑大梁提供金融支撑。 会议以视频会议形式召开，各县级市（区）设分会场。相关市领导，市委金融委员会委员等在主会 场出席会议。 围绕做好下一步工作，会议强调，要更好服务经济增长，充分发挥金融"活水"作用，助力稳就业、 稳外贸、促消费、稳楼市、扩投资，推动经济持续回升向好。金融业要加快自身发展，开展良性竞争， 营造良 ...