Core Insights - F&M Bank has announced the opening of its second full-service office in Michigan, located in Troy, reflecting its commitment to growth in the greater Detroit area [4][5] - The new office will enhance F&M's presence, bringing the total number of full-service offices to 38 across Ohio, Indiana, and Michigan [6] Company Overview - F&M Bank is a community bank established in 1897, providing commercial and retail banking services [7] - The bank operates in various counties in Ohio and Northeast Indiana, with a growing footprint in Michigan [7] Office Details - The Troy office spans nearly 3,000 square feet and includes multiple offices, a conference room, a customer lounge, a drive-up lane with an ATM, and on-site bankers [5] - A grand opening celebration for the Troy office is scheduled for October 28, 2026 [6]

OAKDALE, Calif., Aug. 07, 2025 (GLOBE NEWSWIRE) -- Oak Valley Community Bank, a wholly-owned subsidiary of Oak Valley Bancorp (NASDAQ: OVLY), announced that Twyla Brooks has joined the bank as Vice President, Regional Branch Manager. She will be based out of the new Lodi Branch, located at 31 South School Street, which is slated to open this fall. Brooks brings 20 years of banking experience to her new role, including 14 years with her previous employer where she served as a VP Retail Branch Manager of thei ...

Core Points - The announcement details the redemption and delisting of "Qilu Convertible Bonds" (齐鲁转债) by Qilu Bank, with the last trading day set for August 8, 2025 [2][14] - The last conversion date for the bonds is August 13, 2025, after which the bonds will be delisted from the Shanghai Stock Exchange [4][15] - The redemption price is set at RMB 100.7068 per bond, which includes accrued interest [9][10] Redemption Details - The redemption registration date is August 13, 2025, and the redemption payment date is August 14, 2025 [9][13] - The bonds will be forcibly redeemed at the face value plus accrued interest if not converted by the last conversion date [4][18] - The accrued interest is calculated based on a 1.00% annual interest rate for 258 days, resulting in RMB 0.7068 per bond [10] Conditions for Redemption - The conditional redemption clause was triggered as the stock price of Qilu Bank exceeded 130% of the conversion price for 15 trading days within the specified period [6][8] - The bonds will be frozen and cease trading after the registration date if not converted [18] Investor Guidance - Investors are advised to convert or sell their bonds before the last trading day to avoid potential losses [5][17] - The current market price of the bonds is significantly higher than the redemption price, indicating a potential loss for investors who do not act in time [18]

近日，有国有大行发布公告称，自2025年9月14日起，该行将对信用卡账户因逾期所产生的相关诉讼费 用一并纳入涉诉信用卡的账单中，先以上海为试点再逐步向其他地区推广。 建议银行谨慎跟进市民需合理规划消费和还款计划 记者留意到，该行提到，涉诉费用不计收利息及违约金。"这可以认为是该银行制定政策上的克制，避 免对持卡人造成二次惩罚，在一定程度上兼顾了消费者权益，有助于在风险控制与客户关系之间取得平 衡。"王蓬博说。 不过，王蓬博建议，其他银行需谨慎跟进，毕竟消费者权益保护已经成为主流，在落地过程中，这类政 策可能面临显著的法律争议与合规挑战。"即便法院最终判决持卡人承担诉讼费用，该费用也应通过司 法程序执行，而非由银行直接在信用卡系统中记账追索，否则可能混淆民事诉讼程序与合同债务履行的 界限。"王蓬博表示，社会舆论层面，公众可能会对此类费用的合理性和透明度提出质疑，认为这增加 了消费者的负担，尤其是在持卡人已经面临财务困境的情况下，可能引发负面的社会反响。 对于持卡人，王蓬博建议，在使用信用卡时应合理规划自己的消费和还款计划，避免因逾期而产生额外 的经济和法律纠纷。如果已经面临这种情况，应及时与银行沟通，寻求分期还 ...

Growth stocks are attractive to many investors, as above-average financial growth helps these stocks easily grab the market's attention and produce exceptional returns. But finding a growth stock that can live up to its true potential can be a tough task.By their very nature, these stocks carry above-average risk and volatility. Moreover, if a company's growth story is over or nearing its end, betting on it could lead to significant loss.However, the task of finding cutting-edge growth stocks is made easy w ...

Core Viewpoint - The recent surge in domestic residents' savings is driven by concerns over job security and health issues, alongside the perceived risks in the stock market, funds, and bank wealth management products, leading to a significant increase in bank deposits [1] Group 1: Changes in the Deposit Market - Change 1: Decreasing interest income from deposits, with the one-year fixed deposit rate dropping from 2.25% to 1.35%, resulting in a reduction of interest income from 2250 yuan to 1350 yuan [5] - Change 2: The emergence of inverted interest rates, where shorter-term deposits (e.g., three-year) offer higher rates than longer-term deposits (e.g., five-year), prompting customer inquiries [8] - Change 3: High volatility in structured deposit returns, which are linked to the performance of investments in bonds, foreign exchange, and stock markets, leading to potential losses for depositors [10] - Change 4: An increasing number of bank failures or dissolutions, with 105 banks dissolving in 2024, primarily among rural and community banks, raising concerns about deposit safety [14] Group 2: Implications for Depositors - Depositors are advised to consider alternative investment options such as government bonds and high-yield bank wealth management products to achieve better returns amid declining deposit rates [14] - It is recommended for depositors to diversify their savings across multiple banks to mitigate risks associated with bank failures, as deposits up to 500,000 yuan are insured [14]

Group 1 - The first amendment to the 2024 Universal Registration Document of Banque Fédérative du Crédit Mutuel and Crédit Mutuel Alliance Fédérale was filed on August 7, 2025, with the AMF under number D.25-0241-A01 [2] - The interim financial report of BFCM is included in the document and is also available on the AMF website [3] - Crédit Mutuel Alliance Fédérative is one of France's leading banking and insurance providers, employing 79,000 staff and serving 31 million customers through 4,100 branches [4][6] Group 2 - Crédit Mutuel Alliance Fédérative is the first French banking group to adopt the status of a mission-driven company, comprising various federations across France [5] - The group includes Caisse Fédérale de Crédit Mutuel, Banque Fédérative du Crédit Mutuel (BFCM), and several subsidiaries such as CIC, Euro-Information, and Assurances du Crédit Mutuel [6]

今年以来，银行对于"二永债"（二级资本债、永续债）发行热情不减。 《国际金融报》记者注意到，截至8月7日，银行发行"二永债"总额已超万亿元。仅7月内，发行规模便 激增超2000亿元。与此同时，银行间发行情况出现分化：大行发行规模占据"半壁江山"，而中小银行成 为"二永债"发行数量的主力。 受访专家指出，"二永债"发行加速本质上源于银行对补充资本金的需求增大。全国性银行在资本充足率 和风险管控上表现更好，且受益于特别国债注资，资本补充需求得到缓解；中小银行则更看重"二永 债"的便利性。需要注意的是，中小银行发行"二永债"不是一劳永逸，应警惕资本补充后劲不足的风 险。 "二永债"发行加速 8月7日，又一笔总额为30亿元、由贵州银行发行的二级资本债成功落地。记者梳理Choice数据发现，今 年已有47家银行合计发行"二永债"69只，发行总额达到10464.60亿元，突破了万亿大关。 事实上，自今年二季度以来，银行发行"二永债"的节奏骤然加快。 数据显示，今年前两个季度，商业银行分别发行"二永债"9只、43只，总额分别达到1738.60亿元和6387 亿元。进入下半年，银行对"二永债"的热情依旧不减。记者注意到，仅7 ...

Core Insights - Citigroup, Inc. is showing resilience and steady growth in its core banking operations, with net interest income (NII) increasing by 8% year over year to $29.2 million in the first half of 2025, driven by higher average deposit and loan balances, as well as improved deposit spreads [1][9] - The outlook for Citigroup's NII remains favorable, supported by a stable interest rate environment and solid balance sheet trends, with expectations for interest rates to hold steady in the near term [2][3] - Citigroup's management has raised its 2025 NII guidance to a growth of 4% year over year, up from a previous estimate of 2-3%, with 2024's NII reported at $54.9 billion [4][9] Comparative Analysis - Bank of America (BAC) has also seen a rise in NII, which increased by 4.9% year over year to $29.1 million in the first half of 2025, driven by strong loan demand and higher interest rates [5] - In contrast, Wells Fargo (WFC) experienced a decline in NII, which dropped nearly 4% year over year to $23.2 billion in the first half of 2025, primarily due to lower interest rates affecting floating-rate assets [6] Performance Metrics - Citigroup's shares have gained 33.9% year to date, outperforming the industry's growth of 21.8% [7] - The Zacks Consensus Estimate for Citigroup's earnings in 2025 and 2026 implies year-over-year increases of 27.4% and 27.7%, respectively, with upward revisions in estimates over the past 30 days [12] - Citigroup trades at a forward price-to-earnings (P/E) ratio of 10.43X, which is below the industry's average of 14.33X, indicating potential undervaluation [15]

Back in December 2023, I wrote an article about Axos Financial (NYSE: AX ). At the time, the firm was making some interesting changes at the management level and was also making operational changes that included the acquisition of twoCrude Value Insights offers you an investing service and community focused on oil and natural gas. We focus on cash flow and the companies that generate it, leading to value and growth prospects with real potential.Subscribers get to use a 50+ stock model account, in-depth cash ...