浙江绍兴瑞丰农村商业银行股份有限公司2025 年半年度报告摘要 公司代码：601528 公司简称：瑞丰银行 浙江绍兴瑞丰农村商业银行股份有限公司 浙江绍兴瑞丰农村商业银行股份有限公司2025 年半年度报告摘要 第一节 重要提示 展规划，投资者应当到 www.sse.com.cn 网站仔细阅读半年度报告全文。 完整性，不存在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的法律责任。 无 第二节 公司基本情况 公司股票简况 | 股票种类 | 股票上市交易所 | 股票简称 | 股票代码 变更前股票简称 | | --- | --- | --- | --- | | A股 | 上海证券交易所 | 瑞丰银行 | 601528 - | | 联系人和联系方式 | | 董事会秘书 | 证券事务代表 | | 姓名 | 章国江 | 曹驰 | | | 电话 | 0575-84788306 | 0575-81117170 | | | | 浙江省绍兴市柯桥区柯桥笛扬路 | | 浙江省绍兴市柯桥区柯桥笛扬路 | | 办公地址 | | | | .2. 报告期公司主要业务简介 本行的业务体系主要分为三个板块：零售金融板块、公司金融板块、金融市 ...

Core Insights - Recent bank earnings reports reveal hidden opportunities despite a seemingly stable surface, with particular attention on a city commercial bank that saw a 16% increase in net profit in Q2, attracting interest from UBS [1] Group 1: "Hardcore Players" with Profit Growth - A-share listed banks reported a 0.4% year-on-year increase in net profit in the first half of the year, driven by cost-cutting measures despite revenue pressures from interest rate cuts [3] - For instance, Shanghai Pudong Development Bank achieved a 16% year-on-year increase in net profit in Q2 by reducing liability costs to 1.39%, saving 2 billion in interest payments compared to last year [3] - UBS's global wealth management business earned $2.4 billion, with client assets soaring to $6.6 trillion, indicating a trend where even Warren Buffett is increasing his stake in these "easy money" banks [3] Group 2: "Sweeping Monks" with Improved Asset Quality - An unusual trend has emerged where the net interest margin (1.42%) is lower than the non-performing loan (NPL) ratio (1.49%), indicating a challenging environment for banks [4] - However, 12 out of 15 state-owned banks reported improvements in corporate NPL ratios, particularly in real estate-related loans, with a 0.3 percentage point decrease in bad debt rates as housing projects progress [4] - For example, China Merchants Bank's NPL ratio dropped to 0.94%, with a provision coverage ratio of 410%, suggesting strong financial backing for potential bad debts [4] Group 3: "Hidden Kings" with Strong Non-Interest Income - Banks are increasingly generating significant income from non-lending activities, with Changshu Rural Commercial Bank's wealth management fees surging by 39% in Q2 [5] - Ningbo Bank's fund distribution income doubled, and insurance sales increased by 27%, showcasing diverse revenue streams [5] - Notably, technology loans reached a balance of 44.1 trillion, with rates 0.32 percentage points lower than standard loans, aligning with policy responses while enhancing reputation [5] - A city commercial bank has utilized AI to automate 80% of standardized operations, reducing loan processing time from 15 days to 3 days and cutting labor costs by 60%, indicating a strong potential for profit growth driven by technology and wealth management [5]

近年来，越来越多的人选择将资金存入银行，以应对未来潜在的失业、医疗和养老风险。然而，一个耐人寻味的现象是：数据显示，超过80%的银行员工却 鲜少购买本行定期存款。这一现象引发了广泛关注，而一位退休银行职员则揭示了其背后的深层原因。 三、多样化的投资理财渠道 与普通储户不同，银行员工拥有更便捷的渠道接触到各类投资理财产品。他们能够优先获取市场上低风险、高收益理财产品的信息，并凭借其丰富的专业知 识和经验，有效规避投资风险。即使投资银行理财产品、代销基金等存在亏损的可能性，但银行员工具备更强的风险承受能力和应对机制，远胜于普通储 户。 二、定期存款流动性不足及收益率偏低 银行员工普遍认为，定期存款的收益率过低，难以抵御通货膨胀。一年期定期存款利率仅为1.95%，三年期也只有2.6%，远低于日常消费品价格的涨幅。这 意味着，定期存款的实际收益率为负，难以满足银行员工的理财需求。此外，定期存款的流动性差也是一个重要因素。三年期定期存款虽然利率略高，但一 旦中途需要用钱，只能按活期利率结算，造成实际损失。因此，许多银行员工更倾向于选择期限较短（例如六个月），收益率相对较高（约3%）的银行理 财产品，以平衡流动性和收益。 ...