南京银行股份有限公司北京北辰支行 下列机构经国家金融监督管理总局北京监管局批准，换发《中华人民共和国金融许可证》，现予以公 告： 简称：南京银行北京北辰支行 机构住所：北京市朝阳区慧忠里103楼1层103-15、103-16、103-17、1018 电话：010-84975583 发证机关：国家金融监督管理总局北京监管局 发证日期：2025年09月23日 事由：迁址 机构编码:B0140S211000009 许可证流水号:01119743 业务范围：吸收公众存款；发放短期、中期和长期贷款；办理国内外结算；办理票据承兑与贴现；代理 发行、代理兑付、承销政府债券；代理收付款项;提供保管箱服务；总行在银行业监督管理机构批准的 业务范围内授权的业务。 批准日期：2013年08月19日 ...

北京商报讯（记者 孟凡霞 周义力）9月26日，咸阳金融监管分局发布《关于陕西咸阳农村商业银行股份 有限公司开业的批复》，同意陕西咸阳农村商业银行开业，同意陕西咸阳农村商业银行秦都支行等51个 分支机构开业，并接受国家金融监督管理总局派出机构的属地监督管理。 业务范围上，核准陕西咸阳农村商业银行开展吸收公众存款；发放短期、中期和长期贷款；办理国内结 算；办理票据承兑与贴现；代理发行、代理兑付、承销政府债券；买卖政府债券、金融债券；从事同业 拆借；从事银行卡业务（借记卡业务、信用卡业务）；代理收付款项及代理保险业务；提供保管箱服 务；经国务院银行业监督管理机构批准的其他业务。同时，核准陕西咸阳农村商业银行秦都支行等51个 分支机构开展经国家金融监督管理机构批复并经上级机构授权办理的业务。 多项人事任职资格同步获批，具体来看，核准吕云龙陕西咸阳农村商业银行董事、董事长任职资格；核 准管锐陕西咸阳农村商业银行行长任职资格；核准吕德宏、郭俊华、陈虹睿、付榕、景奎陕西咸阳农村 商业银行独立董事任职资格；核准王民、刘增慰、芮伟强、郭倩文陕西咸阳农村商业银行董事任职资 格；核准王茜陕西咸阳农村商业银行董事会秘书任职资格；核准 ...

Core Viewpoint - Jiangyin Bank's stock has experienced a decline in recent trading sessions, with a notable drop of 2.12% on September 18, 2023, reflecting a challenging market environment for the bank [1]. Financial Performance - As of August 20, 2023, Jiangyin Bank reported a net profit of 846 million yuan for the first half of 2025, marking a year-on-year increase of 16.63% [2]. - Cumulatively, Jiangyin Bank has distributed 3.056 billion yuan in dividends since its A-share listing, with 1.351 billion yuan distributed over the past three years [3]. Stock Market Activity - On September 18, 2023, Jiangyin Bank's stock price was 4.62 yuan per share, with a total market capitalization of 11.372 billion yuan [1]. - The stock has seen an 11.33% increase year-to-date, but has declined by 6.29% over the last five trading days, 8.15% over the last 20 days, and 6.85% over the last 60 days [1]. Shareholder Information - As of August 20, 2023, the number of shareholders for Jiangyin Bank was 45,200, an increase of 0.22% from the previous period [2]. - The average number of circulating shares per shareholder decreased by 0.22% to 54,326 shares [2]. - As of June 30, 2025, Hong Kong Central Clearing Limited was the fourth largest circulating shareholder, holding 82.4919 million shares, a decrease of 20.1333 million shares from the previous period [3].

Core Viewpoint - The company is engaged in various financial services including public deposit absorption, loan issuance, settlement services, and foreign exchange operations, indicating a diversified business model in the financial sector [7]. Financial Performance - The company's revenue and net profit growth rates have shown fluctuations over the years, with a notable decline in 2023, where the revenue growth rate was 0.63% and the net profit growth rate was -1.64% [9][11]. - In the first half of 2025, the company reported a revenue of 1,800 billion and a net profit of 1,200 billion, reflecting a significant performance in the financial market [9]. Revenue Composition - For the first half of 2025, the revenue composition included retail financial services contributing 703.01 billion, wholesale financial services at 1,353.93 billion, and other business segments [10][12]. Asset and Liability Changes - As of the first half of 2025, the company experienced a 15.38% increase in other debt investments, while interbank placements decreased by 6.92% [25]. - The company's bond payables decreased by 26.73%, while deposits and interbank deposits increased by 3.64% [28]. Cash Flow Analysis - The net cash flow from operating activities for the first half of 2025 was 1,344.61 billion, while financing and investment activities showed negative cash flows of -213.65 billion and -1,743.91 billion respectively [20]. Return on Equity - The average return on equity for the first half of 2025 was reported at 6%, which is a decrease of 0.81 percentage points compared to the same period last year [17].

Core Viewpoint - The company has shown fluctuations in revenue and net profit growth rates over the years, indicating potential areas for investment analysis and risk assessment [13][15][22]. Financial Performance - The company's revenue growth rate has varied, with a peak of 9.47% in 2021 and a decline to 0.03% in 2023 [13]. - The net profit growth rate also experienced fluctuations, with a high of 9% in 2021 and a drop to -3.67% in 2022 [13][15]. - For the first half of 2025, the average return on equity was 4.51%, a slight decrease of 0.05 percentage points compared to the same period last year [22]. Cash Flow Analysis - In the first half of 2025, the net cash flow from operating activities was 10,058.04 billion, while financing activities generated 3,038.98 billion, and investment activities resulted in a negative cash flow of -3,835.82 billion [25]. Asset and Liability Changes - As of the first half of 2025, the company's monetary funds increased by 57.55%, raising its proportion of total assets by 2.24 percentage points [30]. - Debt investments rose by 4.48%, but their proportion of total assets decreased by 0.82 percentage points [30]. - The company's liabilities saw significant changes, with a 73.2% increase in sold repurchase financial assets, raising their proportion of total assets by 0.85 percentage points [33]. Historical Trends - The company's asset-liability ratio has shown a consistent trend, with the latest figures indicating a ratio of 92.07% in the first half of 2025, compared to the industry average and median [35].

Core Viewpoint - The financial performance of the company in the first half of 2025 shows a mixed result, with a decline in operating income and profits, but an increase in net profit and cash flow from operating activities [1]. Financial Performance Summary - Operating income for the first half of 2025 was 3,920.688 million, a decrease from 3,994.942 million in the same period of 2024 [1]. - Operating profit decreased to 897.315 million from 988.725 million year-on-year [1]. - Total profit also declined to 889.713 million from 987.720 million [1]. - Net profit increased slightly to 975.060 million from 970.756 million [1]. - Net profit attributable to shareholders rose to 951.612 million from 943.444 million [1]. - The net profit after deducting non-recurring gains and losses was 896.134 million, down from 984.081 million [1]. - The net cash flow from operating activities was 11,785.056 million, a significant increase from -734.301 million [1]. - Basic earnings per share increased to 0.1460 from 0.1446 [1]. - The weighted average return on equity was 2.73%, down 0.16 percentage points from the previous year [1]. Asset and Liability Changes - As of June 30, 2025, trading financial assets decreased by 13.76% compared to the end of the previous year, while other debt investments increased by 12.05% [25]. - Cash and cash equivalents decreased by 8.13% [25]. - On the liability side, bonds payable decreased by 30.73%, while deposits and interbank deposits increased by 5.47% [28]. Shareholder Structure - The largest shareholder is Huabang Holdings Group Co., Ltd., holding 5.283% of the shares [32]. - Notably, 24.33% of the company's shares are under pledge as of August 22, 2025 [32].

Financial Performance - The company's operating income for the first half of 2025 was 90,559 million RMB, an increase from 88,248 million RMB in the same period last year [1] - Total profit reached 33,138 million RMB, up from 30,170 million RMB year-on-year [1] - Net profit attributable to shareholders was 29,737 million RMB, compared to 26,988 million RMB in the previous year [1] - The basic earnings per share increased to 0.99 RMB from 0.89 RMB [1] - The weighted average return on equity rose to 4.33%, up by 0.16 percentage points from the previous year [20] Cash Flow and Financial Ratios - The net cash flow from operating activities was 21,257 million RMB, a significant increase from -382,642 million RMB in the previous year [1] - The cost-to-income ratio improved to 25.07%, down from 26.60% [1] - The net interest margin decreased to 1.38% from 1.42% [1] Asset and Liability Changes - As of the end of the first half of 2025, total assets amounted to 9,645,791 million RMB, an increase from 9,461,880 million RMB at the end of the previous year [2] - Total liabilities rose to 8,844,539 million RMB from 8,717,099 million RMB [2] - The total loan amount increased to 5,634,931 million RMB, up from 5,391,530 million RMB [2] Shareholder Composition - As of the end of the first half of 2025, a new shareholder, Xinda Investment Co., Ltd., replaced Central Huijin Asset Management Co., Ltd. as one of the top ten shareholders [33] - Major shareholders such as Shanghai International Group Co., Ltd. and China Mobile Communications Group Guangdong Co., Ltd. saw a decrease in their shareholding percentages [34]

Core Viewpoint - Zhejiang Shaoxing Ruifeng Rural Commercial Bank has announced changes to its business scope and amendments to its Articles of Association, which were approved by the board and will be submitted for shareholder approval [1][2]. Business Scope Changes - The bank's business scope now includes domestic settlement, bill acceptance and discounting, agency issuance, payment, underwriting of government bonds, trading of government and financial bonds, interbank borrowing, agency payment and insurance business, credit card services, and safe deposit box services [1][2][3]. - The bank will also engage in foreign currency deposits, loans, remittances, international settlements, foreign currency borrowing, credit investigation, consulting, and witnessing services, subject to approval from foreign exchange management authorities [1][3]. Amendments to Articles of Association - The amendments include establishing a party organization to enhance governance, with the party committee playing a core leadership role [2][4]. - Specific articles were revised to reflect the establishment of a party committee, the responsibilities of the board of directors, and the legal representative of the bank [4][5]. - The governance structure emphasizes the integration of party leadership with corporate governance, ensuring that the party committee directs major decisions and policies [5][6]. Governance and Compliance - The bank's governance will adhere to the principles of party leadership, with a focus on political direction, leadership of the management team, and major decision-making processes [6][7]. - The Articles of Association now include provisions for the establishment of a disciplinary committee and the responsibilities of party members within the governance framework [7][8]. - The bank aims to promote financial services for agriculture and small enterprises, aligning with national policies for economic development [8][9].

Financial Performance - In the first half of 2025, the company's total revenue reached 2.401 billion, an increase from 2.174 billion in the same period of 2024 [1] - The total profit for the same period was 942.661 million, up from 681.590 million year-on-year [1] - The net profit attributable to shareholders was 845.995 million, compared to 725.388 million in the previous year [1] - The basic earnings per share increased to 0.3437 from 0.3006, while diluted earnings per share rose to 0.3437 from 0.2856 [1] - The weighted average return on equity was 4.49%, an increase of 0.24 percentage points year-on-year [14] Cash Flow Analysis - The net cash flow from operating activities was -58.5 million, a decrease of 50.39 million compared to the previous year [17] - The net cash flow from financing activities was -4.94 million, down by 8.85 million year-on-year [17] - The net cash flow from investing activities was 63.95 million, significantly up from 8.61 million in the same period last year [17] Asset and Liability Changes - As of June 30, 2025, total assets amounted to 207.577 billion, while total liabilities were 188.375 billion [1] - The company's debt investments decreased by 22.36% compared to the end of the previous year, while trading financial assets increased by 28.58% [23] - Customer deposits and interbank deposits increased by 6.34%, while borrowings from the central bank rose by 57.63% [24] Shareholder Structure - The largest shareholder as of mid-2025 was Jiangsu Jiangnan Water Affairs Co., Ltd., holding 5.762% of the shares [28] - The shareholding of Huatai-PB Index Fund increased, while holdings by Hong Kong Central Clearing Limited and Jiangyin Changjiang Investment Group decreased [28][29] Valuation Metrics - As of August 15, the company's price-to-earnings ratio (TTM) was approximately 5.28, the price-to-book ratio (LF) was about 0.6, and the price-to-sales ratio (TTM) was around 2.72 [1]

General Provisions - The company is established in accordance with the Company Law, Banking Law, and other relevant regulations, with independent legal status and registered in Hunan Province [1][2] - The company was approved by the China Securities Regulatory Commission to issue ordinary shares and listed on the Shanghai Stock Exchange in September 2018 [2] - The company operates under a unified accounting system and follows principles of safety, liquidity, and efficiency [3][4] Business Objectives and Scope - The company's business objective is to actively raise operating funds, focus on efficiency, create value for shareholders, provide quality financial services to clients, and promote social economic development [4][5] - The approved business scope includes accepting public deposits, issuing loans, handling domestic and international settlements, and engaging in various financial services [5][7] Capital and Shares - The initial capital of the company was RMB 4,021,553,754, divided into ordinary shares with a par value of RMB 100 [5][6] - The company issues both ordinary and preferred shares, with preferred shareholders having priority in profit distribution but limited decision-making rights [6][15] Shareholder Rights and Obligations - Ordinary shareholders have rights to participate in meetings, vote, and receive dividends based on their shareholdings [14][15] - Preferred shareholders have rights to receive dividends before ordinary shareholders and have specific voting rights under certain conditions [15][16] - Shareholders must comply with laws and regulations, fulfill capital contribution obligations, and avoid actions that harm the company's interests [18][19] Governance Structure - The company has a board of directors responsible for major decisions, and shareholders can request the board to take legal action if necessary [13][17] - The company holds annual and extraordinary shareholder meetings, with specific procedures for calling these meetings [51][52] Regulatory Compliance - The company must adhere to national financial policies and regulations, and its operations are subject to supervision by banking regulatory authorities [4][16] - Shareholders are required to report significant changes in their shareholdings and comply with regulations regarding share pledges and transfers [19][20]