近日，在"财经中国2025年会暨第23届财经风云榜"评选中，徽商银行凭借在社会责任领域的扎实实践与 突出贡献，荣获"2025年度社会责任先锋银行"称号。一直以来，徽商银行积极践行金融工作的政治性、 人民性，始终冲锋在前、挺膺担当，以实际成效回应时代召唤，展现了地方金融机构的温度与力量。 一、党建引领，服务实体担当作为 徽商银行始终坚持党中央对金融工作的集中统一领导，将党建工作与经营发展深度融合，以高质量党建 引领高质量发展。该行持续深化党建与公司治理融合，强化董事会ESG治理职能，完善内控合规体系， 连续多年在安徽省支持地方经济发展考核中获评"优秀"，荣获安徽省金融支持高质量发展劳动竞赛一等 奖，定点帮扶工作连续多年获评安徽省直单位"优秀"等次。 在服务实体经济方面，徽商银行坚守"金融为民"初心，持续加大对小微企业、乡村振兴等领域的支持力 度，小微企业信贷政策导向效果评估为安徽省银行业金融机构最高等次。通过深化"一县一策"服务模 式，精准对接"一县一业"发展需求，聚焦县域特色产业难点、堵点，强化创新驱动和资源整合，助力地 方特色产业做强做大，该行县域贷款规模近3000亿元。例如，在阜南县，该行依托党建引领信用 ...

Core Viewpoint - Shengjing Bank has announced its decision to voluntarily withdraw its H-share listing status from the Hong Kong Stock Exchange, with over 99.99% approval from shareholders, marking the initiation of the delisting process [1][3]. Delisting Process - The formal delisting from the Hong Kong Stock Exchange is scheduled for November 20, 2025, with the last trading day for H-shares set for November 13, 2025 [3][4]. Shareholder Acceptance - As of October 21, 2025, approximately 2.241 billion H-shares have accepted the offer, representing about 99.69% of independent H-share holders, 95.74% of issued H-shares, and 25.48% of all issued shares [4][5]. Offer Details - The delisting will be executed through a full cash offer by the largest shareholder, Shenyang Shengjing Financial Holdings Group, with the final H-share offer price set at HKD 1.60 per share, a premium of approximately 40.35% over the last closing price of HKD 1.14 [5][6]. Financial Overview - Shengjing Bank reported a total of approximately 8.797 billion shares issued, with H-shares accounting for about 2.341 billion and domestic shares for about 6.456 billion. The closing share price on the announcement day was HKD 1.58 [6][7]. Performance Metrics - For the first half of 2025, Shengjing Bank achieved a revenue of RMB 4.326 billion and a net profit of RMB 508 million, with total assets amounting to RMB 11,281.81 billion [6][7]. Risk Management - The bank's non-performing loan ratio stands at 2.69%, with a provision coverage ratio of 157.00% [7].

Core Viewpoint - Shengjing Bank reported its interim results for the six months ending June 30, 2025, highlighting steady growth in revenue and net profit while focusing on strategic planning and operational transformation [1][2] Financial Performance - Operating income reached 4.326 billion RMB, with a net profit of 508 million RMB and a net profit attributable to shareholders of 494 million RMB [1] - Total assets amounted to 1,128.181 billion RMB, an increase of 5.405 billion RMB, or 0.5%, compared to the end of the previous year [1] - Total deposits were 791.469 billion RMB, up by 10.880 billion RMB, or 1.4%, while total loans increased to 514.873 billion RMB, rising by 14.280 billion RMB, or 2.9% [1] Strategic Focus - The bank emphasized serving the high-quality development of the real economy, enhancing financial services for local economies, SMEs, and urban and rural residents [2] - Technology loans grew by 39.6%, green loans increased by 29.5%, and inclusive micro-enterprise loans rose by 17.6% [2] - The bank launched version 7.0 of its mobile banking app, adding 277,300 new users in the first half of 2025 [2] Risk Management - The bank maintained a prudent risk appetite and management strategy, enhancing digital transformation and technology empowerment [2] - The non-performing loan ratio stood at 2.69%, an increase of 0.01 percentage points from the end of the previous year, while the provision coverage ratio remained stable at 157.00% [2]

Core Insights - Shengjing Bank reported a mid-term performance for the six months ending June 30, 2025, with operating income of 4.326 billion RMB and net profit of 508 million RMB [1] - The bank's total assets reached 1.128 trillion RMB, an increase of 5.405 billion RMB or 0.5% compared to the end of the previous year [1] Financial Performance - Operating income for the period was 4.326 billion RMB, with a net profit of 508 million RMB and attributable net profit of 494 million RMB [1] - Total assets amounted to 1,128.181 billion RMB, with total deposits of 791.469 billion RMB, reflecting an increase of 1.4% [1] - Total loans reached 514.873 billion RMB, marking a 2.9% increase [1] Strategic Focus - The bank emphasized serving the high-quality development of the real economy, enhancing financial services for local economies, SMEs, and urban-rural residents [2] - Technology loans increased by 39.6%, green loans by 29.5%, and inclusive small and micro enterprise loans by 17.6% [2] - The bank launched version 7.0 of its mobile banking app, adding 277,300 new users in the first half of 2025 [2] Risk Management - The bank maintained a prudent risk appetite and management strategy, enhancing digital transformation and technology empowerment [2] - The non-performing loan ratio stood at 2.69%, a slight increase of 0.01 percentage points from the end of the previous year, while the provision coverage ratio remained stable at 157% [2]

Core Viewpoint - Changsha Bank has demonstrated strong growth in asset scale and profitability, leveraging regional economic development and innovative financial services to enhance its competitive position in the market [1]. Group 1: Credit Investment Acceleration - In 2024, Changsha Bank's corporate loans increased by 561 billion, while retail loans rose by 47 billion, indicating a focus on corporate lending [3]. - The bank's loans in key sectors such as technology, green finance, and inclusive finance saw significant growth rates of 17.9%, 23.1%, and 15.9% respectively, reflecting its alignment with national policy [3]. - The county-level financial sector has become a highlight, with county loans growing by 18.7% and deposits by 14.5%, showcasing the bank's commitment to regional financial initiatives [4]. Group 2: Steady Profit Growth - In 2024, Changsha Bank achieved a revenue of 25.936 billion, a year-on-year increase of 4.57%, and a net profit of 7.827 billion, up 4.87% [7]. - The bank's non-interest income grew significantly, with net income from fees and commissions increasing by 53.08%, indicating successful implementation of its "light capital strategy" [7][8]. - Retail customer assets under management reached 455.208 billion, reflecting a growth of 13.75% year-on-year, highlighting the bank's focus on wealth management [7]. Group 3: Future Layout - Changsha Bank is advancing in retail, digital, and green finance, with personal deposits growing by 14.99% to 386.489 billion, and personal loans increasing by 2.57% [10]. - The bank has launched innovative products such as the "VISA card rapid issuance" service and has received multiple awards for its contributions to credit card business [11]. - In green finance, the bank's green loan balance reached 52.829 billion, growing by 23.14%, and it successfully issued green bonds worth 5 billion [13].

Core Viewpoint - Suzhou Bank has demonstrated a steady growth trajectory amidst complex domestic and international environments, focusing on digital transformation to enhance risk management, operational efficiency, and business innovation, ultimately aiming for high-quality development [1]. Group 1: Financial Performance - As of the end of Q1 2025, Suzhou Bank's total assets exceeded 700 billion yuan, with a low non-performing loan ratio of 0.83% and a provision coverage ratio of 447.20% [3]. - The bank's core Tier 1 capital adequacy ratio stands at 9.80%, while the overall capital adequacy ratio is 14.54%, indicating a solid capital position [3]. Group 2: Risk Management - Suzhou Bank has established a comprehensive risk management system that integrates data-driven approaches to enhance risk identification and control, achieving a unified credit system that improves efficiency and customer experience [2][3]. - The bank has implemented automated approval products such as "票链贷" and "快抵贷," which optimize risk monitoring and management capabilities [3]. Group 3: Digital Transformation - The bank is enhancing its digital service offerings, including the launch of the Su-Pay 2.0 product for foreign cardholders and a robust digital RMB service system, leading to a transaction volume of nearly 450 billion yuan [6]. - Suzhou Bank's mobile banking user base reached 5.97 million by the end of 2024, reflecting a growth of 7.32% year-on-year, with significant enhancements in user experience and service personalization [7]. Group 4: Customer Engagement - The bank has developed a multi-channel customer engagement strategy, utilizing AI and various digital platforms to improve service delivery and operational efficiency [4][5]. - The enterprise mobile banking user base grew by 26.51% to 64,900, with a notable increase in services tailored for corporate executives [8].