转自：新华财经 中国石油河北销售公司农业板块紧扣农时，以"全链条农资服务+精准惠农贷"双轮驱动，深入田间地头，从农资保供、金融支持到用油服务，全方 位助力农户抢收抢种，以实际行动诠释央企责任，为全省秋粮丰收筑牢坚实基础。 "在家门口就订到了优质化肥麦种，还签了粮食回收协议，省心 又踏实！"邯郸永年区的种粮大户王大哥在秋季农资订货会上欣喜地说道。今年，河北销售将农资订货会的成功模式推广至邯郸、沧州、衡水等10 余个粮食主产区，联合中农集团、统帅种业等伙伴，密集举办32场专场订货会，把"家底"厚、品质优的农资直接送到农户手中。 河北销售构建起"售种—供肥—田间巡诊—测产—粮食销售"的全链条服务体系。农资通过三级配送网48小时直达地头；农业专家定期下乡巡诊；粮 食销售渠道畅通，实现"种管收销"一站式服务。 秋收期间，全省178座加油站化身"秋收保供站"，每升优惠0.5元、24小时待命、送油到田。邢台、 衡水等多地加油站员工深夜响应农户求助，及时送油解难，被村民誉为"最靠谱的后盾"。 在2025年中国农民丰收节河北庆祝活动上，河北销售的"农资加油站"展台集中展示了全链条助农成果，获得河北省政府充分肯定："央企助农有实 ...

Core Insights - The article highlights the importance of agricultural financing in supporting grain procurement and rural economic development in Changyi City, Shandong Province [1][3] - Qilu Bank's provision of a 1 million yuan grain loan to local grain purchaser Zhou has significantly alleviated financial pressure and expanded his procurement scale [1][3] Group 1: Agricultural Financing - Agricultural financing is crucial for local grain purchasers, many of whom face challenges in securing loans due to short establishment time, small scale, and insufficient collateral [3] - Qilu Bank's Changyi branch has effectively responded to the financing needs of small and micro enterprises in the agricultural sector by integrating "Huinong Loan" and "Farmer e-loan" products, offering convenient approval and timely disbursement [3] Group 2: Economic Impact - The resolution of funding issues has injected vital financial resources into local grain planting and procurement, supporting sustainable rural economic development [3] - The bank's efforts have been recognized, as it was awarded the title of "Advanced Unit Supporting Local Development" for the year 2024 in Changyi City [3] - Future plans include expanding agricultural financing services and exploring new forms of cooperation between banks and enterprises to enhance agricultural strength, increase farmers' income, and promote high-quality regional economic development [3]

金秋时节，齐鲁大地五谷丰登，瓜果飘香，处处洋溢着丰收的喜悦。从黄海之滨的现代化海洋牧场，到沂蒙 山区的特色农产品种植基地；从黄河三角洲的智慧农业示范区，到胶东半岛的乡村旅游特色村落，一幅农业强、 农村美、农民富的壮美画卷正在缓缓展开。作为根植山东的地方法人银行，青岛银行始终将服务"三农"、支持乡 村振兴视为重要使命和责任担当，以金融活水精准滴灌田间地头，用实干和创新绘就乡村振兴的崭新篇章。 聚焦产业兴旺赋能现代农业发展 山东省是农业大省，有寿光蔬菜、大蒜、黄三角对虾、沿黄肉牛等多个国家级产业集群，还有苹果、生姜、 水产品、预制菜等多个省级产业集群，青岛银行聚焦特色产业集群，在全省研究开展了"一县一品"特色项目，针 对省内特色重点农业产业制定授信指引，通过实施差异化政策打造"一县一强品"，挖掘县域优势产业，打造特色 信贷品牌，让涉农业务走进齐鲁大地，踏实做好金融支持乡村振兴工作。 邹城市是我国北方最大的食用菌生产基地之一，素有"中国食用菌之乡"的美誉，食用菌产业链条上的核心群 体包括种植核心企业、原材料供应商、加工企业、经销商，青岛银行基于邹城市食用菌特色产业优势，打造了食 用菌产业集群专属营销方案，并基于行业 ...

Group 1: Green Development in Nanping - Nanping City, known as the "Southern Forest Sea," emphasizes ecological environment as its greatest advantage and brand, with green development driving high-quality growth [1] - Agricultural Bank of China (ABC) Nanping Branch aligns with national green development strategies, focusing on ecological agriculture, sustainable development, and green tourism, enhancing green financial supply [1] - As of the end of July, ABC Nanping Branch's total loan balance reached 40.5 billion yuan, with green credit balance increasing by 7.19 billion yuan to 4.095 billion yuan [1] Group 2: Support for Eco-Friendly Agriculture - Huang Shiwang, a grape grower, transitioned to green planting with the help of a 300,000 yuan "Huinong Loan" from ABC Nanping, enabling him to upgrade his vineyard [2] - The vineyard's area expanded nearly twofold, with expected sales revenue doubling due to the adoption of standardized and ecological practices [2] - ABC Nanping Branch's agricultural loan balance reached 15.557 billion yuan, increasing by 1.293 billion yuan, supporting rural revitalization [3] Group 3: Ecotourism Development - Wuyi Mountain, a key tourist destination, has seen growth in related industries due to effective management and resource integration by Fujian Wuyi Tourism Group [4] - ABC Nanping Branch has provided over 4 billion yuan in funding to the tourism group since 1999, participating in various environmental protection projects [4] - The launch of the "Smart Scenic Area" service has enhanced visitor experience, serving 1.15 million customers and generating sales of 1.5 billion yuan [4] Group 4: Financing for State-owned Forest Farms - State-owned forest farms face challenges in funding for reproduction and industrial upgrades due to long growth cycles and high maintenance costs [5] - ABC Nanping Branch introduced the "Lin Guo Loan" financing scheme, allowing a state-owned forest farm to use over 2,700 acres of fir as collateral for an 8 million yuan credit [6] - This innovative financing model enables the forest farm to develop under-forest economy and create job opportunities for local farmers [6]

Core Insights - Dongguan Bank is actively enhancing financial support for rural revitalization through the "Hundred Million Thousand Project" with a loan balance of 21.3 billion yuan as of July 2025, an increase of over 3 billion yuan from the previous year [1][2] - The bank has successfully implemented the first agricultural "government-bank-insurance" model loan in the province, reducing financing barriers for agricultural enterprises [1] - Dongguan Bank has launched various specialized loan products tailored to local agricultural characteristics, improving service capabilities and addressing diverse financing needs [2] Group 1 - Dongguan Bank's agricultural loan balance reached 21.3 billion yuan, with over 3 billion yuan added in the past year [1] - The bank has facilitated 9 loans under the "government-bank-insurance" model, totaling 25 million yuan, alleviating guarantee costs for small agricultural enterprises [1] - The bank's initiatives aim to effectively implement agricultural policies and enhance financial services for rural development [1] Group 2 - Dongguan Bank has introduced specialized loan products such as "Marine Ranch Loan" and "Lingnan Specialty Agricultural Product Loan" to meet the unique financing needs of different agricultural entities [2] - The bank is leveraging technology, including the internet and big data, to optimize online credit loan products, making the process more efficient for farmers [2] - The focus on innovative financial products and technology aims to reduce the burden on farmers while improving access to financing [2]

Core Performance Highlights - Chengdu Bank reported a revenue of 12.27 billion yuan, a year-on-year increase of 5.91%, and a net profit attributable to shareholders of 6.62 billion yuan, up 7.29%, outperforming many regional banks [2] - Total assets increased by 122.11 billion yuan, a growth of 9.77%, while total deposits reached 983.48 billion yuan, up 11.02%, with personal deposits hitting a historical high [2] - Loan issuance totaled 834.63 billion yuan, marking a 12.40% increase, with credit resources directed towards key sectors of the real economy [2] Profit Structure Optimization - Net interest income reached 9.77 billion yuan, a 7.59% increase, driven by loan growth and asset yield optimization [3] - Non-interest income showed strong performance with investment income of 2.27 billion yuan, while core businesses like investment banking and custody services continued to grow [3] - The cost-to-income ratio improved to 23.18%, down 0.61 percentage points from the previous year, significantly lower than the industry average of 31.56% [3] Strategic Financial Initiatives - Chengdu Bank focuses on "technology finance, green finance, inclusive finance, pension finance, and digital finance" to support regional development [4] - In technology finance, the bank has developed tailored products for key manufacturing sectors, achieving over 80% coverage for specialized enterprises [4] - The green finance initiative supports projects aligned with carbon neutrality goals, enhancing the green credit system and providing low-cost funding for green projects [4] Inclusive Financial Services - The bank's "Ruyuan Huizhi" initiative actively engages with over 3,000 enterprises in industrial parks, enhancing financial service accessibility [5] - The "Huinong Loan" product promotes agricultural financing, with a loan balance growth of 23% year-on-year [6] - Chengdu Bank is enhancing services for the elderly and leveraging technology to improve financial service efficiency [6] Risk Management and Growth - Chengdu Bank maintains a low non-performing loan ratio of 0.66%, well below the national average for regional banks, with a provision coverage ratio of 452.65% [7] - The bank supports major regional projects, providing over 45 billion yuan in special credit for key infrastructure [7] - The bank's personal deposit growth reached a historical high, reflecting its strong brand influence and effective regional strategy [8]

Core Viewpoint - Wuxi Rural Commercial Bank reported a positive performance in the first half of 2025, with significant growth in total assets, deposits, and loans, while maintaining a strong risk management framework. Company Overview and Key Financial Indicators - The bank's total assets reached CNY 272.83 billion, an increase of 6.24% compared to the end of the previous year [2][3] - Total deposits amounted to CNY 229.84 billion, reflecting an 8.17% growth [2][3] - Total loans stood at CNY 167.54 billion, with a net increase of 6.97% [2][3] - The net profit attributable to shareholders was CNY 1.38 billion, up 3.52% year-on-year [2][3] - The bank's non-performing loan ratio was 0.78%, with a provision coverage ratio of 424.87%, indicating strong risk management capabilities [2][3] Business Operations and Strategy - The bank focuses on high-quality development, emphasizing service to the real economy and supporting small and micro enterprises [3][4] - It has launched various financial products tailored to meet the needs of technology-driven enterprises and small businesses [3][4] - The bank is enhancing its retail banking capabilities, with a focus on consumer loans and mortgage business [3][4] - A significant increase in wealth management products was noted, with a net increase of CNY 3.33 billion in the first half of 2025 [3][4] Risk Management and Compliance - The bank has implemented measures to manage credit, market, liquidity, and operational risks effectively [1][2] - It has conducted thorough risk assessments in key areas such as foreign trade and related party transactions [3][4] - The bank emphasizes compliance with regulatory requirements and has engaged in activities to promote a culture of integrity among its employees [3][4] Financial Performance Metrics - Operating income for the first half of 2025 was CNY 2.65 billion, a 3.44% increase from the previous year [2][3] - The net cash flow from operating activities was CNY 4.68 billion, down 6.64% year-on-year [2][3] - The bank's basic earnings per share increased to CNY 0.62, reflecting a 3.33% growth [2][3] Capital Adequacy and Financial Health - The bank's total liabilities were CNY 248.25 billion, a 6.35% increase from the previous year [2][3] - The capital adequacy ratio stood at 14.35%, with a core tier one capital ratio of 12.09% [2][3] - The bank's leverage ratio was 7.83%, indicating a stable capital structure [2][3]

Core Insights - Chengdu Bank reported a total asset of 1.37 trillion yuan, an increase of 122.1 billion yuan or 9.77% year-on-year, with a net profit of 6.617 billion yuan, up 7.29% from the previous year [1] - The bank's loan issuance maintained high growth, with a total loan amount increasing by 17.93% year-on-year, while the non-performing loan ratio remained low at 0.66% [1] - Chengdu Bank ranked 324th in the 2025 Fortune China 500 list, improving by 35 places from the previous year, marking the largest ranking increase among banks in the industry [2] Financial Performance - Chengdu Bank achieved an operating income of 12.27 billion yuan, a year-on-year increase of 5.91%, with a second-quarter revenue growth rate of 8.51%, up 5.34 percentage points from the first quarter [1] - The net interest income rose by 7.59% year-on-year, despite industry pressure on net interest margins [1] - The bank's total loans reached 834.6 billion yuan by the end of June, with a year-to-date increase of 92.1 billion yuan, and a year-on-year growth of 19.09% in corporate loans [4] Regional Economic Context - Chengdu's GDP reached 15,171.78 billion yuan in the first half of 2025, with the city’s economic total surpassing 1.2 trillion yuan, reflecting a year-on-year growth of 5.8% [3] - The bank is actively integrating into national strategies and local development plans, focusing on high-quality development and supporting major projects in the Chengdu-Chongqing economic circle [3] Business Segments - In corporate finance, Chengdu Bank supports major infrastructure and livelihood projects, enhancing financial backing for urban development [4] - The bank's small and micro finance initiatives include the "Run Garden Benefit Enterprise" action, which has engaged over 3,000 enterprises [5] - Personal finance services have seen a 26.13% increase in personal consumption loans and an 11.67% growth in housing loans, contributing to a total personal loan growth of 12.85% [6] Strategic Initiatives - Chengdu Bank is implementing "Five Major Characteristic Financial Actions" to support new productivity development and enhance financial services [7] - The bank is focusing on technology finance, green finance, inclusive finance, elderly finance, and digital finance to meet diverse customer needs [8] - Plans for the second half of the year include increasing credit support for key industries such as artificial intelligence and high-end energy equipment [9]

Core Viewpoint - Chengdu Bank reported a solid performance in the first half of 2025, with significant growth in revenue and net profit, reflecting the bank's effective risk management and strategic focus on high-quality development in line with national economic policies [1][2][3]. Financial Performance - The bank achieved an operating income of CNY 12.27 billion, a year-on-year increase of 5.91% compared to CNY 11.59 billion in the same period of 2024 [2][18]. - Net profit attributable to shareholders reached CNY 6.62 billion, up 7.29% from CNY 6.17 billion in the previous year [2][18]. - Total assets increased to CNY 1.37 trillion, representing a growth of 11.02% from CNY 1.25 trillion at the end of 2024 [2][18]. Key Financial Indicators - The bank's return on assets (annualized) was 1.01%, while the cost-to-income ratio improved to 23.18% [4]. - The non-performing loan (NPL) ratio remained stable at 0.66%, with a provision coverage ratio of 452.65% [4][5]. - The capital adequacy ratio stood at 13.13%, indicating a strong capital position [5]. Business Development - Chengdu Bank's corporate finance business showed robust growth, supporting major infrastructure and livelihood projects in the region [8][9]. - The bank's investment banking segment continued to strengthen, with a leading position in bond underwriting within Sichuan province [9]. - The small and micro finance sector expanded, with a focus on technology enterprises and agricultural financing [10][11]. Strategic Focus - The bank is aligning its operations with national strategies, particularly in the Chengdu-Chongqing economic circle, to enhance its market competitiveness [8][14]. - A commitment to green finance is evident, with ongoing support for environmentally sustainable projects [10][11]. - Digital transformation initiatives are being prioritized to improve customer service and operational efficiency [12][16]. Risk Management - The bank has implemented a comprehensive risk management framework, maintaining a high level of asset quality and proactive risk identification [14][17]. - Continuous monitoring of macroeconomic conditions and industry trends is conducted to inform credit decisions and risk management strategies [14][17]. Market Position - Chengdu Bank ranked 170th in the latest global banking list by The Banker, reflecting its growing influence in the banking sector [8]. - The bank's customer base has expanded significantly, with over 10 million clients served across various financial products [15].

BANK OF CHONGQING CO., LTD.* 重慶銀行股份有限公司* （ 於 中 華 人 民 共 和 國 註 冊 成 立 的 股 份 有 限 公 司 ） （股份代號：1963） 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其 準確性或完整性亦不發表任何聲明，並明確表示，概不就因本公告全部或任何部分內容 而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 董事長 楊秀明 中國重慶，2025年8月22日 於本公告刊發日期，本行的執行董事為楊秀明先生、高嵩先生及侯曦蒙女士；本行的非 執行董事為黃漢興先生、郭喜樂先生、吳珩先生、付巍先生、周宗成先生及余華先生； 本行的獨立非執行董事為朱燕建先生、劉瑞晗女士、汪欽琳女士、曾宏先生及陳鳳翔先 生。 海外監管公告 本公告乃重慶銀行股份有限公司*（「本行」）根據香港聯合交易所有限公司證券上市規則第 13.10B條而作出。 * 本行經中國銀行業監督管理機構批准持有B0206H250000001號金融許可證，並經重慶市市 場監督管理局核准領取統一社會信用代碼為91500000202869177Y號的企業法人營業執照。 本行根據香港銀行業 ...