过去，时常会出现这样的情况：一边是银行面临"有钱投不出"的困境，另一边是家庭作坊式小厂和 个体经营户"等米下锅"的焦灼。抵押物不足、财务报表不规范、信息不透明、抗风险能力弱等问题，像 一道又一道无形的墙，截断了这些急需融资的市场主体获取支持的道路，也形成了一些对银行总是"晴 天打伞、雨天收伞"的抱怨。 然而，我们欣喜地看到，这样的情况正在逐步改变。在金融管理部门和金融机构的不懈努力下，金 融"看懂"了更多产业，也"看到"了更多小微市场主体的价值。这不仅仅是技术和操作层面的限制放宽， 更是一场经营理念的重塑。信贷资金也不再是只存在于报表中的冰冷数字，而是激活了一个又一个产业 的温暖力量。 金融支持县域特色产业，支持的不仅是让这些产业现在能够发展，而且是让产业未来能够发展得更 好。普惠金融，既要普，又要惠，要让资金能流到产业的"根须"处，要滋养那些最具活力的创新与传 承。只有如此，才能够让普惠金融的价值真正落地。 《建议》为"十五五"时期的发展指明了方向。我们期待看到，一个更接地气、更懂产业、更贴民心 的金融体系，与县域乡村共同生长。 责任编辑：韩胜杰 随着网络的逐渐发达，信息的互联互通已不再是难事。在使用智能设 ...

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 ...

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]

Core Viewpoint - Jiangyin Bank has demonstrated resilience in a complex macro environment, reporting strong financial performance for the third quarter of 2025, with significant growth in both revenue and net profit [1][2]. Financial Performance - The bank achieved total operating revenue of 3.204 billion yuan, a year-on-year increase of 6.17% [1]. - Net profit attributable to shareholders reached 1.278 billion yuan, reflecting a robust year-on-year growth of 13.38% [1]. - The net profit excluding non-recurring gains and losses was 1.229 billion yuan, up 14.94% year-on-year, indicating enhanced profitability from core operations [2]. - The weighted average return on equity increased to 6.79%, up 0.23 percentage points from the previous year, showing improved efficiency in generating shareholder returns [2]. - Basic earnings per share rose to 0.5194 yuan, a year-on-year increase of 11.92% [2]. Asset Quality and Growth - Total assets surpassed 208.042 billion yuan, growing by 3.90% since the beginning of the year [2]. - Shareholders' equity reached 19.149 billion yuan, an increase of 3.01% year-to-date [2]. - The non-performing loan ratio stood at 0.85%, slightly down by 0.01 percentage points, maintaining a strong position within the industry [2]. - The provision coverage ratio was high at 371.91%, indicating robust risk mitigation capabilities [2]. Strategic Initiatives - Jiangyin Bank is focusing on strategic transformation with an emphasis on "stabilizing growth, adjusting structure, promoting transformation, preventing risks, and strengthening management" [3]. - The bank's total deposit size reached 165.073 billion yuan, an increase of 8.73% year-to-date, while total loans grew by 6.31% to 131.957 billion yuan [3]. - The net interest margin was reported at 1.56%, with a net interest spread of 1.39%, both showing a slight increase from the previous half-year [3]. Sector-Specific Developments - In the inclusive finance sector, the bank has established a comprehensive service system, resulting in a 15.07% increase in corporate clients [4]. - Green finance initiatives led to a 34.26% increase in green loan balances, significantly outpacing average loan growth [4]. - The bank has developed a unique brand in elderly finance, focusing on the needs of the aging population [4]. Shareholder Returns - Jiangyin Bank announced a cash dividend of 1.0 yuan per 10 shares, totaling approximately 246 million yuan, which represents 19.25% of the net profit attributable to the parent company for the first three quarters [5][6]. - This dividend proposal reflects the bank's commitment to shareholder returns and its stable financial policy [6]. - The bank aims to continue focusing on rural revitalization, industrial cluster development, and wealth management, reinforcing its long-term growth strategy [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 Viewpoint - The article highlights the significant achievements and strategic direction of Shenwan Hongyuan during the "14th Five-Year Plan" period, emphasizing its commitment to high-quality financial development and comprehensive financial services for various sectors, including technology and green enterprises [1][3]. Group 1: Financial Services and Achievements - Shenwan Hongyuan has supported a total financing scale of 1,367.5 billion yuan for enterprises during the "14th Five-Year Plan," with 101.8 billion yuan for technology innovation enterprises and 29.6 billion yuan for green enterprises [3]. - The company has issued green bonds totaling 52.5 billion yuan, positioning itself as a leader in serving the real economy and promoting financial innovation [3]. - The company has established a comprehensive service system covering the entire lifecycle of enterprises, particularly in the New Third Board business, where it ranks second in the number of companies it has sponsored [3][4]. Group 2: Corporate Growth and Financial Performance - By the end of 2024, the total asset scale of the company reached 697.6 billion yuan, with a net asset scale of 133.3 billion yuan, reflecting a compound annual growth rate of 9.17% and 10.33% respectively during the "14th Five-Year Plan" [14]. - The average annual operating income during this period reached 1.3 times that of the previous five years, indicating a steady improvement in profitability [14]. - The company has successfully completed several significant projects, including a 115.62 billion yuan transaction for TCL Technology, marking the largest issuance of shares for asset acquisition in the electronics industry since 2021 [6]. Group 3: Investor Relations and Corporate Governance - Shenwan Hongyuan has implemented cash dividends totaling 8.739 billion yuan during the "14th Five-Year Plan," actively engaging in mid-term dividends to share development benefits with investors [23]. - The company has focused on enhancing corporate governance and risk management, establishing a comprehensive risk management framework that exceeds regulatory standards [23][27]. - The company has received multiple awards for its best practices in corporate governance, investor relations, and sustainable development, reflecting its commitment to high-quality operations [31][33]. Group 4: Cross-Border Financial Services - The company has established a comprehensive cross-border financial service platform, attracting 3 billion yuan in foreign capital since 2021 and organizing nearly 1,000 overseas roadshows annually [20]. - Shenwan Hongyuan has successfully issued the first panda bond for the Sharjah government, supporting the internationalization of the renminbi and contributing to the Belt and Road Initiative [20]. Group 5: Cultural and Talent Development - The company has initiated a cultural renewal campaign to enhance its internal culture and brand recognition, aiming to foster a cohesive corporate identity [29]. - Talent development is prioritized as a key resource for high-quality growth, with a focus on performance-based promotion and organizational reform [27].

9月份，经营景气度指数为48.44点，环比上升0.24点。小微企业经营情况持续改善，9月份经营绩效指数 较8月份上升0.21点。9月份，经营活力指数环比上升0.29点，成为拉动经营景气度指数上升的核心动 力，小微企业市场信心不断增强，后续发展预期更趋乐观。 普惠金融-景气指数由中国经济信息社、中国银行业协会、中国建设银行、中国中小企业协会共同推 出，由新华指数研究院运营。指数以小微企业、个体工商户等市场主体的融资和发展情况为切入点，从 企业经营、融资两个维度，反映普惠金融市场发展态势，展现普惠金融服务小微企业的景气程度。 本报讯(记者吕东)2025年9月份，普惠金融-景气指数达49.50点，较8月份上升0.32点，经营、融资两大核 心维度同步改善。经营端企业订单增长推动经营绩效和活力提升，市场信心增强；融资端政策支撑有 力，融资规模扩大，利率低位运行，融资环境持续优化。 分维度来看，9月份，融资景气度指数为54.93点，较8月上升0.71点。企业融资需求有效释放，融资成本 稳中有降，融资满意度保持景气水平，融资环境持续优化。 ...

Core Viewpoint - The Jiangsu Province Urban Football League ("Su Super") has become a phenomenon, surpassing professional leagues in public interest and showcasing the potential of local sports, culture, tourism, consumption, and public services [1] Group 1: Su Super's Impact - The success of "Su Super" has inspired other provincial leagues such as "Gan Super," "Xiang Super," and "Chuan Super," igniting enthusiasm for local industry competitions [2] - From mid-August to mid-October, Jiangsu's rural commercial banks held their own "Su Super" - the Jiangsu Rural Commercial Bank System Employee Football League, featuring over 100 matches among 61 banks [2][5] - Jiangnan Rural Commercial Bank, the largest in terms of asset size in Jiangsu, won the championship on October 19, defeating Changshu Rural Commercial Bank in a penalty shootout [2][6] Group 2: Financial Institutions and Community Engagement - The Jiangsu Rural Commercial Bank system consists of 61 banks, with six successfully listed on A-share or SME boards, making it the region with the most listed rural commercial banks in China [3] - The league emphasized inclusive finance, with each bank representing local support for small and micro enterprises and agricultural development [6] - The event attracted 600,000 online viewers and facilitated 103 exchange activities among participating teams [6] Group 3: Cultural and Regional Significance - The "Su Super" phenomenon is closely tied to local cultural narratives, such as rivalries between cities like Nanjing and Suzhou, and Xuzhou and Suqian [6] - The matches featured friendly competition, with banks engaging in pre-match correspondence to maintain camaraderie [6][7] - Both Jiangnan and Changshu Rural Commercial Banks expressed their commitment to inclusive finance and rural revitalization in their communications [8] Group 4: Player Profiles and Business Development - Players from the rural commercial banks gained significant attention, with two players, Xiao Xuhui and Wang Haining, being highlighted as "Su Super Stars" [9] - Wang Haining, a client manager at Jiangnan Rural Commercial Bank, successfully expanded his client base through connections made during the league, achieving a credit balance of 18.92 million yuan [10] - The small micro-loan division of Jiangnan Rural Commercial Bank, which Wang is part of, reached a loan balance of 2 billion yuan by July 2024 [10]