The U.S. Office of the Comptroller of the Currency (OCC) has issued new guidance clarifying that national banks may hold crypto-assets on their balance sheets for the limited purpose of paying blockchain network fees, marking another formal step in integrating crypto into regulated banking infrastructure. In Interpretive Letter 1186, released on Nov. 18, the OCC confirmed that a national bank may “Pay network fees… on blockchain networks to facilitate otherwise permissible activities” and may “hold, as pr ...

《关于加强商业银行互联网助贷业务管理提升金融服务质效的通知》（业界称作"助贷新规"）自10月1 日施行以来，商业银行互联网助贷业务正经历深度调整。 近日，多家银行密集调整互联网助贷业务合作名单，掀起"瘦身"潮。 例如，乌鲁木齐银行11月6日发布公告称，自10月1日起该行已停止开展合作类个人互联网消费贷款业 务，目前存量业务涉及的合作机构包括9家平台运营机构和8家增信服务机构。 无独有偶，龙江银行11月5日公布的最新互联网助贷业务合作机构名单显示，该行此前唯一合作的平台 运营机构是深圳首付宝金融科技有限公司，如今为停止合作状态。 此外，在贵阳银行2025年三季度业绩说明会上，该行副行长李松芸表示，该行基于市场环境和监管要 求，主动对业务策略进行了调整，目前与互联网银行合作已到期，无新增互联网平台业务，仅有存量业 务在正常管理。 中国证券报记者梳理发现，近期，乌鲁木齐银行、龙江银行、贵阳银行等多家区域性银行相继宣布暂停 新增互联网助贷合作业务，吉林亿联银行等机构则大幅缩减合作机构数量，行业呈现从广合作到严筛选 的转变。 业内人士认为，助贷新规之下，名单制管理与合规责任强化倒逼银行重构合作逻辑，推动业务从被动依 赖 ...

Summary of Home BancShares FY Conference Call (November 18, 2025) Company Overview - **Company**: Home BancShares - **Location**: Conway, Arkansas - **Assets**: $23 billion - **Industry**: Banking - **Key Performance Indicator**: ROA above 2% in 2025, significantly higher than peers at approximately 1.20% [1][17] Core Points and Arguments Loan Demand and Borrower Sentiment - Overall borrower sentiment is described as good, with a loan growth of $300 million for the quarter, indicating strong demand [3] - Notable projects from large customers, particularly in Florida, are contributing positively to loan growth [4] M&A Activity - M&A is a primary focus, with the company being one of the most prolific acquirers in the banking industry since its IPO [1][2] - The company is currently involved in due diligence for a potential acquisition, with expectations of it being a "triple accretive" deal [28][37] - The regulatory environment is perceived as favorable for M&A, with quicker processing times for applications compared to previous years [42] Financial Performance and Margins - Home BancShares maintains a margin over 4.5%, significantly higher than peers at 3-3.5% [17] - The company avoided long-term securities investments, which helped maintain high margins during fluctuating interest rates [18] - The efficiency ratio has improved from 62% to below 40%, showcasing strong operational efficiency [25] Challenges and Risks - The company faces challenges with past due loans in the marine lending segment, particularly related to a single yacht loan that constitutes a significant portion of past dues [10][11] - Concerns about potential dilution from M&A activities and the impact on shareholder value were expressed, emphasizing the need for non-dilutive deals [30][56] Market Presence and Expansion - Florida is highlighted as a strong market for growth, with limited acquisition opportunities due to scarcity [55] - The company is open to expanding in Texas and Florida but remains cautious about potential dilution from acquisitions [40] Shareholder Focus - There is a strong emphasis on the importance of shareholder value, with frustrations expressed over the dilution of tangible book value through poorly structured M&A deals [30][56] - The CEO is committed to ensuring that any future acquisitions are accretive to EPS from day one [37] Other Important Insights - The company has a robust capital position, operating with a tangible common equity ratio of 14% and generating significant capital annually [43][46] - The management team is proactive in maintaining operational efficiency and profitability, with a focus on improving ROA and managing costs effectively [25][44] - The CEO's candid remarks reflect a commitment to transparency and accountability in the banking sector, particularly regarding shareholder interests [33][57] This summary encapsulates the key points discussed during the Home BancShares FY Conference Call, highlighting the company's strong performance, strategic focus on M&A, and commitment to shareholder value.

JPMorgan CIO Bob Michele wasn’t reading the room in his interview with CNBC, which is exactly what makes his take so striking. Although investors have spent the past couple of weeks or so worrying that the market may have finally run out of steam, the firm’s chief investment officer (CIO) feels the economy is significantly better off than market sentiment suggests. He argues that the AI boom is not a bubble, which is in sharp contrast to the charts that have been flashing red lately. As of Monday, Nov. 1 ...

Core Viewpoint - The National Financial Supervision Administration's Handan Regulatory Bureau has issued a fine to the Handan branch of Agricultural Bank of China for failing to conduct due diligence in its factoring financing business, resulting in a fine of 500,000 yuan and lifetime bans for several responsible individuals [1]. Summary by Categories Regulatory Actions - The Handan branch of Agricultural Bank of China was fined 500,000 yuan for not fulfilling due diligence in its factoring financing business [1]. - Key individuals involved, including Zhang Fuxiang (former branch president), Jia Yong (former deputy branch president), Liu Longshan (former customer department manager), and Li Shixi (former customer department staff), have been banned from working in the banking industry for life [1]. Violations - The main violation cited was the failure to conduct the "three checks" (due diligence) in the factoring financing business [1][2].

优先股股息派发实施公告 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个别及连带责任。 重要内容提示 证券代码：600919 证券简称：江苏银行 公告编号：2025-042 优先股代码：360026 优先股简称：苏银优1 江苏银行股份有限公司 ●优先股代码：360026 ●优先股简称：苏银优1 ●每股优先股派发现金股息人民币3.86元（含税） ●最后交易日：2025年11月26日（星期三） ●股权登记日：2025年11月27日（星期四） ●除息日：2025年11月27日（星期四） ●股息发放日：2025年11月28日（星期五） 江苏银行股份有限公司（以下简称"本行"）优先股（代码：360026，简称：苏银优1）股息派发方案已 经本行第六届董事会第二十二次会议审议通过，现将具体实施事项公告如下： 一、优先股股息发放对象、金额及扣税情况 1、发放对象：截至2025年11月27日收市后，在中国证券登记结算有限责任公司上海分公司登记在册的 公司全体苏银优1股东。 2、发放金额：根据《江苏银行股份有限公司非公开发行优先股募集说明书》，本次优先股股 ...

Treasury Dept. Says Banks Can Keep Crypto On Their Balance Sheets in Certain Cases► https://t.co/PwqtgsyJCn https://t.co/PwqtgsyJCn ...

A key banking regulator within the Treasury Department has officially greenlit the ability for national banks to hold and spend cryptocurrency in certain cases.  The Office of the Comptroller of the Currency (OCC) confirmed in an interpretive letter Tuesday that major banks are officially permitted to keep crypto on their balance sheets to pay network fees on blockchains for “otherwise permissible” banking activities.  National banks are also allowed to hold and use digital assets for testing crypto-related ...

Key TakeawaysFederal Reserve Governor Michael Barr issued a stark warning on November 18, 2025, against weakening bank supervision, criticizing proposed staffing cuts and emphasizing the historical dangers of regulatory complacency.Pfizer (PFE) launched a substantial $6 billion multi-tranche debt offering, reportedly to fund its strategic acquisition of obesity drug developer Metsera, a deal currently facing competition from Novo Nordisk.Motorola Solutions (MSI) announced an 11% increase in its quarterly di ...

根据本次债券条件与条款，本行已行使其赎回权并于2025年11月18日完成赎回所有未偿付的本次债券。 截至本公告日，本次债券下不再含有未偿付余额。 本行已向香港联合交易所有限公司申请撤回本次债券上市。预期撤回本次债券上市将于2025年11月26日 营业时间结束时生效。 股票代码：601328 股票简称：交通银行 编号：临2025-072 交通银行股份有限公司 关于境外无固定期限资本债券赎回完成的公告 交通银行股份有限公司（以下简称"交通银行"或"本行"）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。 2020年11月18日，本行在境外市场完成发行28亿美元无固定期限资本债券（以下简称"本次债券"），并 于2025年10月15日发布了《交通银行股份有限公司关于赎回境外无固定期限资本债券的公告》(编号： 临2025-066）。 特此公告 交通银行股份有限公司董事会 2025年11月18日 ...