中国国际金融股份有限公司 关于攀钢集团钒钛资源股份有限公司 继续使用部分暂时闲置募集资金进行现金管理的核查意见 中国国际金融股份有限公司（以下简称"中金公司"或"保荐机构"）作为攀钢集团钒 钛资源股份有限公司（以下简称"钒钛股份"、"公司"或"上市公司"）向特定对象发行 A 股股票项目的保荐机构，根据《证券发行上市保荐业务管理办法》《深圳证券交易所 股票上市规则》和《深圳证券交易所上市公司自律监管指引第 1 号——主板上市公司规 范运作》等有关法律、行政法规、部门规章及业务规则的要求，对钒钛股份继续使用部 分暂时闲置募集资金进行现金管理的事项进行了认真、审慎核查，具体情况如下： 一、募集资金基本情况 序号 项目名称 计划投资总额 经中国证券监督管理委员会（以下简称"中国证监会"）出具的《关于同意攀钢集 （证监许可〔2023〕892 号） 团钒钛资源股份有限公司向特定对象发行股票注册的批复》 同意注册，公司向特定对象发行人民币普通股（A 股）股票 693,009,118 股，发行价格 税）人民币 8,478,834.47 元后，实际募集资金净额为人民币 2,271,521,163.75 元。 上述募集资金已全部 ...

记者丨 张欣 编辑丨肖嘉 银行员工调包存单、骗取密码， 近日，工行南宁分行"2.5亿元存款'不翼而飞'"一案迎来新进 展，双方当事人在南宁市青秀区人民法院进行证据交换。 庭审现场，双方证据交锋，工行到底有没有责任？ 原告储户代理律师 周兆成微博截图 谁的责任？ 工行南宁分行称2 . 5亿存款丢失系个人犯罪 2022年3月18日，广西工行发布的微博公告指称， 受害人为获非法高息致资金损失，梁某系个 人犯罪行为，将依法处理 。针对有媒体报道工行南宁分行原部门经理梁某骗取被害人资金， 工行南宁分行相关负责人表示，目前司法认定梁某属个人犯罪行为，不属于职务侵占行为；同 时，受害人受非法高息引诱，通过非正规程序操作，导致资金损失。该行坚持依法合规经营， 对违法违规行为严肃处理、绝不姑息，将依法合规处理此事，保障客户合法权益。 此前，一起关于"2.5亿存款不翼而飞"的案件引起广泛关注。 根据媒体报道，2018年9月至2019年5月，工商银行南宁分行工作人员梁建红以"为贷款企 业做存款贡献"为由，通过3名中间人找有闲置资金的客户到工行办理大额存款业务，承诺 除给予正常的银行大额存款利息外，额外支付给中间人每个月4.5%左右 ...

7月14日，中国人民银行公布的最新经济数据显示，2025年上半年中国境内住户存款余额突破162.02万亿 元，较年初激增10.77万亿元，增幅达7.42%;同期住户贷款余额仅增加1.17万亿元至84万亿元，居民"净存 款"规模攀升至78.02万亿元的历史峰值。若以15.4亿人口估算，人均存款已达10.5万元。 中国居民储蓄的持续增长并非短期现象。央行数据显示，2017-2022年间，中资全国性大型银行各项存款规 模从79.31万亿元跃升至119.24万亿元，五年复合增长率达8.5%，2022年同比增速更突破13.3%。个人存款占 比持续攀升，从2017年的47.45%提升至2023年1月的54.12%，2024年末人民币存款余额达302.25万亿元，同 比增长6.3%。 （图片来源：摄图网） 上海金融与发展实验室首席专家表示，2025年上半年住户存款增加10.77万亿元，占全部存款增量的近 60%，显示居民更倾向于储蓄而非投资或消费，以应对未来不确定性。他认为这是风险偏好下降、预防性储 蓄增强的表现 粤开证券首席经济学家罗志恒指出，户存款占比上升、非金融企业存款占比下降，核心原因是居民消费和购 房意愿减弱，导 ...

Core Insights - The article emphasizes the importance of technology finance as a key driver for technological innovation and new productivity development, highlighting the proactive role of Industrial Bank's Fuzhou branch in supporting tech enterprises [1] Group 1: Support for Technology Enterprises - As of the end of May, Industrial Bank's Fuzhou branch has served over 1,600 technology enterprises, with a technology finance loan balance exceeding 24.5 billion yuan [1] - Fujian Astone Innovation Materials Co., Ltd., a leading PVD coating materials company, has received over 10 million yuan in credit from the bank during its critical R&D phase, alleviating financial pressure [1] - The bank has consistently increased its credit limit for Astone over the past decade, providing a range of financial products to support the company's growth [1] Group 2: Support for Innovative Drug Development - Fuzhou Tuoxin Tianc Biotech Co., Ltd. is developing a groundbreaking cancer drug aimed at improving treatment outcomes for malignant brain tumors [2] - In 2024, the bank provided 10 million yuan in inclusive technology loans to support the company's R&D efforts after thorough market and product assessments [2] - In May 2025, the bank facilitated the company in obtaining convertible bond investments to accelerate product mass production and market expansion [2] Group 3: Establishment of Financial Service Platforms - In April 2025, the Fuzhou Science and Technology Financial Service Center, focusing on the integration of "four chains," was officially launched, marking a significant step in supporting tech innovation [2][4] - The center has hosted multiple events, including a financial exchange meeting for key industrial parks in Fuzhou, providing robust financial support for the growth of tech enterprises [4][5] - The bank aims to deepen internal mechanisms and external collaborations to offer diversified, full-chain financial services, contributing to regional tech innovation [5]

Financial Data and Key Metrics Changes - The company is focused on increasing return on tangible common equity towards 15% while managing expenses and investments carefully [48][59] - The stress capital buffer increased by 90 basis points, raising concerns about the company's risk profile despite no perceived increase in risk [11] Business Line Data and Key Metrics Changes - The retail deposit franchise is being revitalized with a focus on primary checking account growth and improved customer relationships [19][23] - The company is seeing early impacts in checking account growth, debit spend, and active mobile users as it shifts focus towards customer-centric strategies [24] Market Data and Key Metrics Changes - There is a noted lack of loan demand in the banking system, which is affecting overall growth despite a stable loan-to-deposit ratio [60][67] - The competitive environment is intensifying as banks seek to grow their loan portfolios, leading to more aggressive pricing strategies [68] Company Strategy and Development Direction - The company is transitioning from an inward focus on risk management to a more outward focus on growth and customer service [13][18] - Investments are being made in technology and infrastructure to enhance operational efficiency and customer experience, including significant spending on cyber security and core platform upgrades [32][36] Management's Comments on Operating Environment and Future Outlook - Management acknowledges a period of macroeconomic uncertainty but remains optimistic about consumer and corporate spending resilience [3][4] - The company is preparing for potential regulatory changes that could lift the asset cap, allowing for more growth opportunities [40][44] Other Important Information - The company has successfully addressed most of the regulatory orders it faced, with only two remaining, which is expected to enhance its operational flexibility [40][42] - The focus on AI and technology is seen as transformative, with efforts to improve efficiency and customer service through automation and data analysis [37][38] Q&A Session Summary Question: What are the avenues for growth in the consumer deposit side? - The company is focused on rebuilding its retail system from the ground up, emphasizing primary checking account growth and improving customer satisfaction scores [20][22] Question: What are the biggest opportunities for growth among various business lines? - Management believes all business lines should grow faster than current rates, with particular caution in home lending and auto businesses [26][27] Question: How does the company plan to balance investments and returns? - The company aims to reduce expenses while increasing investments in high-return areas, ensuring that growth does not compromise profitability [49][50] Question: What is the outlook for loan growth given the current environment? - Loan growth is constrained by demand rather than the asset cap, with management hopeful for increased demand as economic conditions improve [61][63]

Core Viewpoint - Nanjing Bank reported significant growth in revenue and net profit, with total revenue increasing by 11.32% to 50.273 billion yuan and net profit rising by 9.05% to 20.177 billion yuan, despite challenges in personal banking profitability [1][2]. Financial Performance - Total assets reached 2.5914 trillion yuan, an increase of 303.12 billion yuan, representing a growth of 13.25% [1]. - Total loans grew at a double-digit rate, with corporate loans at 936.204 billion yuan (up 14.86%) and retail loans at 320.194 billion yuan (up 12.75%) [1]. - Non-interest income rose to 23.646 billion yuan, a year-on-year increase of 19.98%, accounting for 47.04% of total revenue [5]. Personal Banking Challenges - Personal banking profits turned to a loss of 1.199 billion yuan, a decline of over 142% compared to the previous year's profit of 2.848 billion yuan [2]. - Operating expenses for personal banking increased by nearly 43%, from 9.616 billion yuan to 13.743 billion yuan [2]. - Net income from fees and commissions shifted from 447 million yuan to a loss of 1.059 billion yuan, a drop of over 337% [2]. Asset Quality Management - The non-performing loan (NPL) ratio for personal loans was 1.29%, a decrease of 0.21 percentage points from the previous year [3]. - The bank's strategy includes optimizing retail asset management and enhancing the quality of retail loans [3]. Investment Strategy - Financial investment scale increased by approximately 1.1 trillion yuan, with an 11% growth [4]. - Investment income was 1.318 billion yuan, down 8.08%, while fair value changes yielded 7.377 billion yuan, up 329.48% [5]. - The bank's proactive strategy involved adjusting operations to seek excess returns and managing market fluctuations effectively [6].

本期带来2025年一季度IPO报告，港主板IPO募资金额最多，境外上市备案持续推进。 将投中网设为"星标⭐"，第一时间收获最新推送 以下文章来源于超越 J Curve ，作者超越J曲线 超越 J Curve . 用数据延伸你的阅读 核心发现 作者丨 投中研究院 来源丨 超越 J Curve | 机构 | 上市数量 | 科创板数量 | | 参投项目 | | | --- | --- | --- | --- | --- | --- | | CPE源峰 | 3 | 1 | 钓威电子 | 赛分科技 | 蜜雪集团 | | 君联资本 | 3 | 1 | 布鲁可 | 兴福电子 | 汉朔科技 | | 中金资本 | 3 | 1 | 脑动极光 | 兴福电子 | 汉朔科技 | | 红杉中国 | 3 | O | 古著 | 找钢集团 | 维异药业 | | 海通开元 | 2 | 2 | 兴福电子 | 胜科纳米 | | | 丰年资本 | 2 | 1 | 矽电股份 | 胜科纳米 | | | 复星创富 | 2 | 1 | 赛分科技 | 恒鑫生活 | | | 高瓴 | 2 | 1 | 赛分科技 | 蜜雪集团 | | | IDG资本 | 2 | 1 ...

Financial Data and Key Metrics Changes - The company reported a fully diluted EPS of $0.38, a 65% increase compared to the prior year [4][12] - Net income for the quarter was $0.38 per diluted share, up 65% over the prior year [12] - Return on average assets was 1.19% and return on average equity was 14.15% [13] - Net interest margin (NIM) was 3.10%, down slightly from the prior quarter [13][22] - Efficiency ratio improved to 52.79% [13] - Tangible book value per share increased by $0.42 to $11.23 [13] Business Line Data and Key Metrics Changes - Average loans increased by $205.3 million or 11.5% compared to Q1 2024 [7][18] - Average deposits grew by $166.6 million or 8.1% compared to the same quarter last year [7] - Loan production was robust, with end-of-period net loan growth of $63.4 million or 13% annualized compared to the prior quarter [19] - Non-interest income was 16.3% of total revenue, consistent with prior quarters and higher than Q1 2024 [34] Market Data and Key Metrics Changes - The Florida economy is forecasted to grow steadily in 2025, with a growing labor force and low unemployment [7][40] - The company anticipates high-single digit to low double-digit loan and deposit growth in the upcoming quarters [7][41] Company Strategy and Development Direction - The company emphasizes relationship-driven organic growth and has onboarded additional senior bankers to support business lending and deposit production [6][8] - The strategy includes cautious optimism regarding economic uncertainties and a focus on maintaining credit quality [6][41] - The company plans to continue disciplined expense control to improve operating leverage [41] Management's Comments on Operating Environment and Future Outlook - Management noted heightened volatility in the market due to recent tariff announcements but expressed cautious optimism about the diversified business lines [5][6] - The company is prepared for both upward and downward shifts in interest rates, reflecting a neutral balance sheet position [25] - The management expects to see improvements in non-performing assets and classified loans in the upcoming quarters [82] Other Important Information - The Board of Directors declared a cash dividend of $0.10 per share, to be paid on June 5, 2025 [9][10] - The company has a strong focus on maintaining a robust balance sheet while returning capital to investors [10] Q&A Session Summary Question: What drove the deposit growth in the quarter? - The deposit growth was seen in key areas like correspondent banking and business banking, with a balanced contribution from various segments [47] Question: What is the outlook for NIM? - The guidance for NIM is flat to slightly up, with expectations of rate cuts benefiting deposit costs [49][54] Question: What is the impact of specialty verticals on deposits? - New hires in production personnel for various verticals are expected to support continued deposit growth [60] Question: How should we think about the expense base moving forward? - The expense base is expected to gradually increase due to new hires and performance-based bonuses [65] Question: What is the focus regarding capital? - The focus remains on organic growth rather than buybacks, given solid growth prospects [66] Question: What is the outlook for credit quality? - Management anticipates improvements in non-performing and classified loans in the second quarter [82]

USCB Financial Holdings (USCB) Q1 2025 Earnings Call April 25, 2025 11:00 AM ET Company Participants Luis de la Aguilera - President, CEO & ChairmanRob Anderson - CFOWilliam Turner - Chief Credit OfficerWoody Lay - Vice PresidentMichael Rose - MD - BankingFeddie Strickland - Director Operator Day, and welcome to the USCB Financial Holdings First Quarter twenty twenty five Earnings Conference Call. All participants will be in the listen only mode. After today's presentation, there will be an opportunity to a ...

Associated Banc-Corp (NYSE:ASB) Q1 2025 Earnings Conference Call April 24, 2025 5:00 PM ET Company Participants Andrew Harmening - President and CEO Derek Meyer - EVP and CFO Patrick Ahern - EVP, CCO, and President, Chicago Market Conference Call Participants Timur Braziler - Wells Fargo Securities Daniel Tamayo - Raymond James Scott Siefers - Piper Sandler Jared Shaw - Barclays Jon Arfstrom - RBC Capital Markets Casey Haire - Autonomous Terry McEvoy - Stephens Chris McGratty - KBW Operator Good afternoon ...