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战略理念领航 高质量发展蹄疾步稳 —从业务转型看渤海银行的战略突围
Xin Lang Cai Jing· 2025-10-14 11:05
昨晚,渤海银行发布一则大额资产转让公告。人们不禁关注其转让行为、经营策略和模式等话题。 理念之"战略主动是最大的主动":抢占战略布局先机 筑牢风险防控屏障 商业银行赢得战略主动体现在精准把握时与势。通过洞察经济周期波动、行业技术趋势及监管政策导 向,既能提前布局"第二增长曲线",更要敏锐识别潜在风险,果断对高风险行业、领域、客群及时收缩 乃至退出,筑牢风险防线,实现健康发展。 2023年以来,渤海银行积极研判风险管理趋势,主动应对风险管理的挑战,加大不良资产的处置力度, 问题资产清收规模创历史新高,主动推进资产批量转让,领先同业率先出清互联网助贷业务,坚决让风 险管理走在业务发展的前面。正是得益于风险管控的战略主动,标准普尔将渤海银行评级展望由负面上 调至稳定。 理念之"发展定位是先导 比较优势是目标":聚焦差异化定位 重塑核心竞争优势 战略的本质是取舍。商业银行战略将明确业务定位作为关键,是应对复杂市场环境、实现可持续发展的 必然选择。在银行业务日益细分的当下,一个模糊不清、"大而全"的业务模式,将导致银行陷入同质化 竞争的困境,资源分散、效率低下。清晰的业务定位能够帮助银行精准锚定目标客群和业务领域,最大 ...
营收净利双增长!渤海银行“中考”成绩单出炉
券商中国· 2025-08-29 10:32
Core Viewpoint - Bohai Bank reported steady growth in operating indicators for the first half of 2025, achieving a "double increase" in operating income and net profit, with a focus on stability and quality improvement in financial services [2][3]. Group 1: Financial Performance - For the first half of 2025, Bohai Bank achieved operating income of 14.215 billion yuan, a year-on-year increase of 8.14%, and net profit of 3.83 billion yuan, a year-on-year increase of 3.61% [3]. - As of the end of June, the bank's total assets reached 1.82 trillion yuan, with loans and advances increasing by 17.066 billion yuan to 942.428 billion yuan, a growth of 1.84% [3]. - The total amount of corporate loans reached 693.5 billion yuan, an increase of 5.92% compared to the end of the previous year [4]. Group 2: Support for the Real Economy - Bohai Bank has intensified its support for the real economy, focusing on optimizing its business structure and expanding its customer base [3]. - Key areas of loan growth included technology innovation (51.28%), manufacturing (12.36%), green development (15.02%), and agriculture (3.45%), all exceeding the growth rate of general loans [3]. - The bank's cost-to-income ratio improved to 32.17%, a decrease of 4.10 percentage points year-on-year, reflecting effective cost control [4]. Group 3: Risk Management - As of June, the non-performing loan ratio stood at 1.81%, indicating stable asset quality, with sufficient provisions for various types of impairments [4]. - Loan impairment provisions amounted to 27.579 billion yuan, an increase of 2.005 billion yuan from the end of the previous year, with a loan provision coverage ratio of 159.7% [4]. Group 4: Technological Financial Services - Bohai Bank has prioritized the development of a technology finance service system, responding to the central government's call to enhance financial services in this area [6][8]. - By the end of June, the balance of loans to technology enterprises reached 71.252 billion yuan, an increase of 24.153 billion yuan, or 51.28% year-on-year [8]. - The bank successfully issued 5 billion yuan in technology innovation bonds and has been active in underwriting, with a total of 31.47 billion yuan in technology innovation bonds underwritten [8]. Group 5: Regional Economic Development - Bohai Bank is committed to supporting regional economic development, particularly in the Beijing-Tianjin-Hebei area, and has integrated this focus into its strategic priorities for the second half of the year [10]. - The bank's transaction banking business generated over 750 million yuan in intermediary income, reflecting a year-on-year growth of 5.36% [10]. - The bank has launched various products to support the automotive supply chain, achieving over 19.7 billion yuan in financing for the automotive ecosystem [10][11].