转自：新华财经 新华财经上海11月27日电（记者 王淑娟）近年来，平安银行上海分行坚持"立足上海、服务上海、建设上海"的定位，持续加大信贷投放力度，服务实体经 济能力显著提升。近期，平安银行上海分行行长公茂江接受新华财经专访，他在第十四届"沪上金融家"评选中获选"沪上金融行业领军人物"。 作为一位拥有金融与实业双重背景的银行家，公茂江分享了他在推动金融服务创新、支持上海高质量发展方面的思考与实践。"作为扎根上海的金融从业 者，我们深刻感受到当前产业转型升级的加速态势。服务好新质生产力，不仅是我们的商业机遇，更是政治责任和时代使命。" 图为平安银行上海分 行行长公茂江，受访者供图 "沉得住气、扎得下根"与企业共成长 外部市场环境复杂，银行经营正面临挑战，而上海金融市场一向是"高手过招"的地方，平安银行上海分行如何挖掘机遇？"平安银行上海分行选择的是一条 深耕细作的路子，不追求面面俱到，而是找准自己的发力点。"公茂江说，在上海做对公业务的体会是要"沉得住气、扎得下根"。不追求一时的热闹，而是 通过专业的服务和深耕细作，与企业共同成长，这样路才能走得稳、走得远。 应对市场变化，近几年来，平安银行持续推进各项改革。其 ...

"要把城市更新摆在更加突出的位置，系统推进好房子、好小区、好社区、好城区'四好'建设，为 人民群众高品质生活、新业态新产业发展提供空间载体，为城市高质量发展提供有力支撑。"11月20 日，住房城乡建设部建筑节能与科技司副司长张雁在"中国经济圆桌会"大型全媒体访谈节目中表示。 苏州给出了引人思考的答案。涵养苏州灵气与底蕴的太湖，正在金融力量的推动下，实现数字经济 与先进制造业、现代服务业深度融合。 太湖湾畔，又一座数字经济创新枢纽即将在"环太湖科创圈"与"吴淞江科创带"的交汇点登场。《金 融时报》记者了解到，今年9月，数字经济终端产品研发制造基地二期项目已顺利完成竣工验收。 为了将其打造成吴中太湖新城数字经济创新港的又一产能"增长极"，农业银行江苏苏州分行自今年 初以来便为项目施工持续"输血"。截至今年10月末，该行已实现投放近5亿元。 与此同时，农业银行江苏苏州分行精心定制基地企业专属数字金融服务，通过低成本、轻量化、模 块化的智慧厂区升级服务，助力域内智能终端设备、具身机器人、工控系统等高端装备制造企业提升智 能化改造与数字化转型水平。 城市更新是当前和今后一个时期的重要工作。今年7月召开的中央城市工作会议 ...

文化是一个国家、一个民族的灵魂。国家、民族的强盛总是以文化的兴盛为支撑，建设金融强国需筑牢 中国特色金融文化的价值基石。 省部级主要领导干部推动金融高质量发展专题研讨班开班式上提出培育和弘扬中国特色金融文化这一重 大课题，赋予了中华优秀传统文化新的时代内涵，进一步指明了提升金融软实力、建设金融强国的前进 方向。 作为国有大型商业银行，交通银行青岛分行（简称"青岛交行"）坚持党建引领，在践行"金融为民，金 融利民"基础上，深刻把握金融工作的政治性、人民性，引导全行员工树立正确的经营观、业绩观和风 险观，让"诚实守信、以义取利、稳健审慎、守正创新、依法合规"成为自觉遵循，探索形成自身文化特 质与特色文化，以文化之力、创新之姿、实干之效，厚植中国特色金融文化，奋力书写精彩的"五篇大 文章"。 涵养金融文化营造风清气正金融环境 赓续红色基因，培育和弘扬中国特色金融文化，是坚持以人民为中心的价值取向、坚守服务实体经济本 源、推动高质量发展、有效防范化解金融风险的必然要求。 青岛交行深刻理解中国特色金融文化的重要内涵，将其融入经营发展全过程，在党建引领、文化融合、 学习教育、典型示范、氛围营造和长效机制建设等方面取得了积 ...

越通社11月12日报道，谷歌、淡马锡与贝恩公司11月11日联合发布第十版《东南亚数字经济报告》。报 告指出，历经十年强劲增长，该地区数字经济规模预计将在今年年底突破3000亿美元。十年前，谷歌预 测东南亚数字经济规模将在2025年达到2000亿美元，这一目标已提前三年实现。 今年研究报告首次将范围扩展至文莱、柬埔寨、老挝和缅甸，覆盖了原东盟十国。新增四国虽仅占商品 交易总额（GMV）约2%，但能为区域数字经济发展提供更全面图景。 在人工智能领域，淡马锡东南亚主管霍伟雄表示，过去一年超20亿美元资金投入人工智能相关初创企 业。尽管大部分人工智能公司总部设在新加坡，但人工智能技术正辐射至整个区域。作为区域人工智能 中心，新加坡2024年下半年至2025年上半年获得13.1亿美元人工智能私人投资，增幅达55%。目前东南 亚地区近700家人工智能初创企业中，有近500家落户新加坡。 报告统计了电子商务、外卖配送、交通出行、在线旅游和在线媒体等领域商品交易总额，收入部分则额 外计入数字金融服务。电子商务是最大板块，预计今年商品交易额将达1850亿美元，其中收入部分为 410亿美元。在线旅游是第二大板块，其增长得益于机票 ...

Core Viewpoint - The Bank of Communications reported a stable and positive operational performance for the third quarter of 2025, with total assets reaching 15.50 trillion yuan, a year-on-year increase of 4.02% [1] Group 1: Financial Performance - The bank achieved a net operating income of 200.06 billion yuan, a year-on-year growth of 1.86%, with net interest income and net commission income increasing by 1.46% and 0.15% respectively [2] - The net profit attributable to shareholders reached 69.99 billion yuan, reflecting a year-on-year increase of 1.90%, with growth rates for net revenue and net profit improving by 1.14% and 0.29% compared to the first half of the year [2] Group 2: Support for the Real Economy - The bank focused on enhancing financial services for the real economy, with customer loan balances reaching 9.07 trillion yuan, a year-on-year increase of 6.04%, adding 31.2 billion yuan compared to the previous year [3] - The bank's green loan balance grew by 6.72%, while green bond investments surged by 52.35% year-on-year [3] - Inclusive finance loans increased by 18.29%, and loans for the pension industry rose by 41.75% [3] Group 3: Digital Transformation - The bank is accelerating its digital transformation, enhancing digital infrastructure and security, with monthly active users for its mobile banking and payment apps reaching 53.06 million and 25.93 million respectively [5] - The bank has opened 7,039 open banking interfaces, with a total of 10.5 billion calls made [5] Group 4: Risk Management - The bank maintained a non-performing loan ratio of 1.26%, a decrease of 0.05 percentage points from the previous year, while the provision coverage ratio increased to 209.97%, up by 8.03 percentage points [6] - The bank disposed of non-performing loans amounting to 55.74 billion yuan, a year-on-year increase of 28.12% [6]

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之內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因依 賴該等內容而引致之任何損失承擔任何責任。 本公告乃根據《香港聯合交易所有限公司證券上市規則》第13.10B條刊登。茲載列 該公告（於上海證券交易所網站刊登）如下，僅供參閱。 特此公告。 中國建設銀行股份有限公司 董事會 2025年10月30日 於本公告日期，本行的執行董事為張金良先生、張毅先生和紀志宏先生，本行的 非執行董事為辛曉岱女士、劉芳女士、李璐女士、李莉女士和竇洪權先生，本行 的獨立非執行董事為威廉 • 科恩先生、梁錦松先生、詹誠信勛爵、林志軍先生和 張為國先生。 （ 於 中 華 人 民 共 和 國 註 冊 成 立 的 股 份 有 限 公 司 ） (A joint stock company incorporated in the People's Republic of China with limited liability) （股份代號：00939） 2025年第三季度報告 中国建设银行股份有限公司（"本行"）董事会及全体董事保证 ...

Core Viewpoint - The "14th Five-Year Plan" emphasizes the construction of a strong financial nation, focusing on serving the real economy, deepening reform and innovation, and preventing financial risks [1] Group 1: Development of Financial Sectors - The plan highlights the development of five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [2] - In technology finance, banks and securities firms are encouraged to support innovative enterprises through loans and equity investments [2] - Green finance aims to align standards with international practices and explore carbon financial derivatives, supporting industries like energy storage and hydrogen [2] - Pension finance focuses on building personal pension product offerings and encouraging the development of long-term, stable pension products [2] - Inclusive finance should leverage digital transformation to create online financial products for small and micro enterprises and rural areas [2] - Digital finance requires financial institutions to invest in digital infrastructure and enhance service efficiency and risk control through technology [2] Group 2: Optimization of Financial Institutions - The plan calls for optimizing the financial institution system, encouraging institutions to focus on their core businesses and improve governance [3] - The financial system has developed into a comprehensive support service structure, with banks as the main service providers [3] - Large banks are expected to transition towards comprehensive and international development, while small and medium banks will focus on niche markets [3] - Non-bank financial institutions will play a more significant role in asset and wealth management [3] - Regulatory authorities will guide institutions to find their positioning and promote differentiated competition [3][4] Group 3: Strengthening Financial Regulation - The plan emphasizes the need for comprehensive financial regulation, enhancing collaboration between central and local regulators [5] - A robust risk prevention and resolution system is to be established to ensure financial stability [5] - Financial institutions are advised to strengthen risk management frameworks and utilize digital tools for comprehensive risk control [6] - There is a focus on improving compliance management and ensuring adherence to regulatory requirements [6]

Core Insights - China Bank reported significant profit growth in Q3 2025, with a net profit of 60.07 billion yuan, a year-on-year increase of 5.09% [1] - The bank's overall profitability improved in the first three quarters of 2025, achieving a net profit of 177.66 billion yuan, up 1.08% year-on-year [1] - Non-interest income was a key driver of profitability, reaching 165.41 billion yuan, a 16.20% increase year-on-year, while net interest income decreased by 3.04% [1] Financial Performance - For Q3 2025, China Bank's operating income was 162.20 billion yuan, a 0.58% increase year-on-year [1] - Total assets reached 37.55 trillion yuan, growing by 7.10% from the previous year [2] - Customer loans totaled 23.35 trillion yuan, an 8.15% increase year-on-year [2] Loan Growth and Credit Quality - New loans added in 2025 amounted to 1.72 trillion yuan, with a year-on-year growth rate of 11.71% [2] - The non-performing loan ratio was 1.24%, a slight decrease from the beginning of the year, with a provision coverage ratio of 196.60% [3] Sector Support and Initiatives - China Bank increased support for key sectors, with corporate loans reaching 16.44 trillion yuan, up 11.71% year-on-year [2] - The bank's technology loans reached approximately 4.7 trillion yuan, with over 160,000 clients [4] - Green loans exceeded 4.66 trillion yuan, growing by 20.11% year-on-year, maintaining a leading position in green finance [4] Inclusive Finance and Digital Transformation - Inclusive finance initiatives led to a balance of 2.71 trillion yuan in loans for small and micro enterprises, an 18.99% increase [5] - The bank's pension finance loans grew by 20.90% year-on-year, enhancing services for multi-tiered pension systems [6] - Digital finance initiatives saw an 8.32% increase in monthly active users of the mobile banking app [6]

Core Insights - The sixth China International Digital Economy Expo has commenced, focusing on the theme of "Innovative Paths and Practices in Industrial Digital Finance" [1] - The event aims to explore the integration of digital finance with industrial digitalization, leveraging technological advancements to empower financial institutions in their digital transformation [1][3] Group 1: Event Overview - The seminar is organized by the China International Digital Economy Expo Committee and features participation from various sectors including government, financial institutions, listed companies, technology firms, and academic institutions [1][2] - Over 150 professionals attended the seminar, including representatives from local governments, financial institutions, and universities [2] Group 2: Keynote Speakers and Themes - Notable speakers included experts from various financial and academic backgrounds, discussing topics such as the integration of digital finance and the digital economy, the role of AI in financial services, and the importance of financial reform [5][6][7] - The discussions highlighted the need for financial institutions to adapt to the digital economy and the importance of AI in enhancing operational efficiency [5][6] Group 3: Project Launch and Goals - The "Hebei Digital Financial Industrial Park" project was announced, with a total investment of approximately 1.1 billion yuan, covering over 80 acres and aiming to create a center for financial empowerment in Shijiazhuang [8] - The project is expected to contribute significantly to the development of digital finance in Hebei and support regional economic innovation [8][9] Group 4: Future Directions - The seminar concluded with discussions on the need for a robust data element market and risk prevention mechanisms to support the development of digital finance [9] - The event emphasized the importance of collaboration among various sectors to enhance the integration of finance and industry, aiming for more precise risk pricing and efficient resource allocation [9]

Core Insights - The Shanghai Bank's eighth Geek Competition showcased the collaborative spirit of young employees, emphasizing the importance of talent in driving digital finance innovation [1][2] - The competition, themed "Geek • Empowering New," coincided with the bank's 30th anniversary, highlighting a renewed commitment to digital transformation and innovation [1][2] - The event focused on the application of AI and intelligent technologies in financial services, aiming to enhance customer engagement, risk management, and operational efficiency [2] Group 1 - The competition attracted 69 teams and over 260 employees, fostering a collaborative ecosystem for AI model applications within the bank [2] - The first prize was awarded to the "Colla" team, with additional awards given to various teams, showcasing the innovative capabilities of the bank's workforce [2] - The bank's leadership emphasized the importance of cultivating a culture of innovation and problem-solving skills among employees to enhance core competitiveness [2] Group 2 - Looking ahead, the bank plans to maintain its focus on innovation and the integration of AI to improve service quality and create new competitive advantages in the digital finance landscape [2]