不唯规模论，已经成为整个银行业的共识。更多银行开始在差异化竞争、精细化管理、科技赋能等方面 积极布局，推动实现真正具有可持续性的内涵式增长。 作为城商行的"佼佼者"，北京银行就是其中的典型案例，其近年来顺应趋势聚焦业务差异化与特色化发 展，其经营模式正从规模扩张转向质量红利。 当前，净息差收窄成为银行业共性压力，资产投放增长乏力与信用成本上升不断挤压盈利空间，传统规 模扩张模式难以为继。 面对行业困局，各行加速从规模扩张向质量效益转型。随着中报的密集披露，各大银行更是明确释放出 这一信号。比如，8月28日，在中信银行2025年半年度业绩发布会上，中信银行行长芦苇明确表示："我 们已经摒弃了规模情结，更专注于效益和质量并重的增长。"稍早时，建设银行2024年度股东大会上董 事长张金良也强调："建行正加快摒弃'规模情结'"。 行业变革浪潮中的北京银行 银行作为经济体系的重要组成部分，坚持稳健经营至关重要。这不仅关系到银行自身的生存与发展，还 对整个经济和社会的稳定产生深远影响。 日前，国家金融监督管理总局发布的《2025年二季度银行业保险业主要监管指标数据情况》显示，银行 业保持稳健运行良好态势，不良贷款率、拨备 ...

Core Viewpoint - Bank of Communications reported a high-quality performance in the first half of 2025, achieving growth in both revenue and profit despite industry-wide pressure from narrowing interest margins, making it the only state-owned bank to do so [2][9]. Group 1: Financial Performance - In the first half of 2025, the bank achieved a net interest income of 85.247 billion yuan, a year-on-year increase of 1.2% [2][9]. - The bank's total operating income reached 133.368 billion yuan, up 0.77% year-on-year, while net profit attributable to shareholders was 46.016 billion yuan, reflecting a 1.61% increase [9]. - The bank's interest income was 213.961 billion yuan, a decrease of 6.17% year-on-year, indicating challenges in the interest income segment [11]. Group 2: Asset Quality and Risk Management - As of June 2025, the bank's non-performing loan (NPL) ratio was 1.28%, down 3 basis points from the end of the previous year, with corporate loans showing a significant decline in NPL ratio [14]. - The bank disposed of 37.8 billion yuan in non-performing loans in the first half of 2025, a 27.9% increase year-on-year, indicating proactive risk management [14]. - The bank's provision coverage ratio improved by 7.62 percentage points to 209.56%, enhancing its risk-bearing capacity [16]. Group 3: Strategic Focus Areas - The bank emphasized its commitment to serving the real economy, with total customer loans reaching 9 trillion yuan, a growth of 5.18% from the beginning of the year [3]. - In the technology finance sector, the bank established 23 technology-focused branches in Shanghai and provided over 27 billion yuan in equity investments for tech enterprises [5]. - The bank's green loan balance exceeded 870 billion yuan, reflecting its commitment to supporting sustainable development [6]. Group 4: Digital Transformation - The bank revised its digital finance action plan until 2027, aiming to enhance the adaptability and inclusiveness of its digital financial products [7]. - As of June 2025, the bank's loans to the core digital economy sectors exceeded 286 billion yuan, with internet loans growing by 8.52% year-on-year [7]. Group 5: Market Engagement and Infrastructure - The bank established partnerships with 60 major municipal projects and 118 district-level projects, enhancing its integration into the Shanghai financial market [8]. - The bank achieved over 488 billion yuan in "Bond Connect" transactions and over 491 billion yuan in "Swap Connect" transactions, indicating strong market engagement [8].

中国经济网北京9月12日讯(记者田云绯)2025年中国国际服务贸易交易会于9月10日至14日在北京举行，北京银行（601169）通过创新展览展示、深化合作交 流、丰富观众体验等举措，全方位参与并支持服贸会。 在展厅外，北京银行连续第三年在数字人民币大道布展，以"数币生态.悦享京彩"为主题，围绕"数字人民币+消费场景"，打造"数币万花筒"沉浸式市集空 间，设置数字人民币消费、业务宣传推广等"数币生态触点"，为观众们打造了体验数字人民币支付便利的开放空间，助力数字人民币应用推广。 自2021年起，北京银行已连续五年参与服贸会。从提供专属金融服务通道到定制化融资方案，从精心搭建专题展位到举办特色主题论坛，北京银行不断提升 服务水平和品牌影响力。北京银行表示，将继续依托服贸会这一重要平台，以金融创新为驱动，以服务实体经济为宗旨，为首都高质量发展与全球服务贸易 繁荣贡献更多"京行力量"。 为增强观众的参与感和体验感，北京银行在展区融入大量硬科技元素，打造沉浸式科技创新体验空间。观众可以通过多种数智交互形式，体验科技金融、绿 色金融、普惠金融以及聚焦民生领域的医疗、养老、社保、人才等金融服务，亲身感受数字技术如何让金融服 ...

Core Viewpoint - Weihai Bank focuses on enhancing financial service quality and efficiency while promoting social value creation alongside economic growth [1] Group 1: Green Finance - The bank established a dedicated Green Finance Department to conduct in-depth industry research and promote distinctive green finance development [1] Group 2: Inclusive Finance - Weihai Bank is exploring a "batch, scenario, and grid" service model to improve the coverage and precision of financial services, benchmarking against industry leaders [1] Group 3: Technology Finance - A Technology Finance Department was set up at the head office to innovate "investment-loan linkage" business scenarios and accelerate the exploration of new technology finance development models [1] Group 4: Digital Finance - The bank initiated the second phase of its digital transformation project to enhance digital marketing capabilities and intelligent risk control levels [1] Group 5: Pension Finance - Weihai Bank is enhancing its service capabilities for the elderly demographic to meet the growing financial service needs of this group [1] Group 6: Strategic Deployment - The bank is committed to deepening its strategic deployment of the "Five Major Articles" while ensuring steady performance growth, aligning its growth with social value creation [1]

Core Viewpoint - Shanghai Bank is positioned at the "starting point of a positive cycle" with improvements in asset quality, capital levels, and management practices, indicating a transition into a new management cycle and potential for valuation alignment with leading city commercial banks [1]. Financial Performance - As of June 30, 2025, Shanghai Bank's total assets reached CNY 32,937.14 billion, a 2.08% increase from the previous year [2]. - The bank's customer loans and advances totaled CNY 14,369.84 billion, up 2.22% year-on-year [2]. - Total deposits increased by 4.17% to CNY 17,813.66 billion [2]. - For the first half of 2025, operating income was CNY 273.44 billion, a 4.18% increase, while total profit reached CNY 159.65 billion, up 4.20% [2]. - Net profit attributable to shareholders was CNY 132.31 billion, reflecting a 2.02% growth [2]. Asset Quality and Capital Levels - The non-performing loan (NPL) ratio remained stable at 1.18%, unchanged from the previous year [3]. - Core Tier 1 capital adequacy ratio improved by 0.43 percentage points to 10.78%, while the total capital adequacy ratio reached 14.62%, also up by 0.41 percentage points [3]. Investor Returns - The mid-term dividend payout ratio for 2025 was increased to 32.22%, marking a 1.00 percentage point rise [5][26]. - The bank has consistently raised its cash dividend ratios over the past three years, indicating a commitment to returning value to shareholders [5][27]. Business Development - Shanghai Bank is focusing on technology finance, with a 13.67% year-on-year increase in technology loan disbursements, totaling CNY 927.81 billion [30]. - Inclusive finance initiatives saw a 7.59% increase in loan disbursements, amounting to CNY 909.77 billion [32]. - Green finance loans increased by 3.88% year-on-year, reaching CNY 440.77 billion [35]. Strategic Initiatives - The bank is actively supporting the "Five Major Articles" of finance, enhancing its service capabilities in technology finance, inclusive finance, green finance, and elderly finance [23][44]. - Shanghai Bank is also involved in the integration of the Yangtze River Delta region, with a focus on major projects and infrastructure investments [17]. Market Position - Shanghai Bank ranked 66th in the "2025 Global Bank 1000" list by The Banker magazine, reflecting its growing stature in the banking sector [4]. - The bank's asset management for pension clients reached CNY 5,128.16 billion, with a market share leading in the Shanghai region [39].

Core Viewpoint - CITIC Limited (00267) reported strong mid-year results for 2025, with significant revenue and profit growth, alongside a proposed dividend increase, indicating a positive outlook for the company's financial health and market position [1][2]. Financial Performance - The company achieved a revenue of 368.8 billion RMB and a net profit of 59.8 billion RMB in the first half of 2025, with a parent net profit of 31.2 billion RMB [1]. - The board proposed an interim dividend of 0.20 RMB per share, reflecting a year-on-year increase of 5.3%, totaling 5.818 billion RMB in dividends [1]. - The current price-to-book ratio is significantly below 1, suggesting potential for market value recovery as valuations normalize [1]. Business Development - Financial subsidiaries have optimized their business structures, focusing on key areas to achieve comprehensive profit growth [2]. - The banking sector continues to show positive net profit growth, with the establishment of a financial asset investment company to enhance service diversification [2]. - The securities business capitalized on domestic and international market opportunities, achieving substantial year-on-year growth in revenue and profit, maintaining a leading position in domestic equity and bond underwriting [2]. Strategic Initiatives - The company launched a technology finance initiative, enhancing its service capabilities across the entire financial chain, benefiting over 14,100 specialized and innovative enterprises [1]. - Green credit balance increased by 16.79% since the beginning of the year, with a leading position in green bond underwriting [1]. - Progress in inclusive finance, pension finance, and digital finance has been notable, contributing to the overall performance [1].

Core Viewpoint - The article emphasizes the role of the securities industry in supporting national strategies and deepening financial supply-side reforms, highlighting the commitment of Guolian Minsheng Securities to serve as a "friendly investment bank for industries" and to provide continuous financial support for the development of new productive forces [1][2]. Group 1: Company Mission and Strategy - Guolian Minsheng Securities aims to leverage its dual advantages of state-owned background and market mechanisms to inject continuous momentum into the development of new productive forces through technology finance [2]. - Since 2019, the company has focused on "deepening regional and industry expertise," helping nearly 400 companies successfully enter the capital market and providing refinancing services for around 200 listed companies [3][10]. Group 2: Financial Support for Technology Enterprises - The company provides diversified financial support for technology enterprises throughout their lifecycle, transitioning from traditional IPO and refinancing services to a "companion + value co-creation" model [5]. - In the early stages, Guolian Minsheng introduces venture capital and private equity to support startups, while in the growth phase, it assists with equity financing and bond issuance to meet funding needs for production expansion and R&D [5]. Group 3: Industry Focus and Resource Integration - Guolian Minsheng emphasizes the need for securities firms to possess industry research capabilities, pricing power, resource integration, and risk management to effectively serve technology enterprises [6]. - The company is shifting its project reserves from stable traditional industries to include traditional enterprises undergoing technological transformation and those tackling critical technology challenges [6]. Group 4: Development of Expertise and Data Utilization - The investment banking team is evolving into industry experts through an "internal and external dual-drive" model, enhancing their knowledge in strategic emerging fields [7]. - Guolian Minsheng has introduced an enterprise data service system covering over 60 million companies to accurately identify high-quality technology enterprises [7]. Group 5: Embracing Digital Transformation - The company is embracing AI technology and accelerating digital transformation by applying various technologies such as OCR and NLP across its business areas, creating applications for intelligent auditing, credit rating, and investment assistance [8]. Group 6: Industry Integration and Future Development - Guolian Minsheng is committed to becoming an "industry-friendly investment bank" by leveraging its strong industrial resources and focusing on regional development, with plans to expand its presence in key economic areas [9]. - The company has established ten industry groups and is continuously optimizing its industry segmentation to focus on emerging and future industries, ensuring deep integration of finance and industry [9].

Group 1 - The core viewpoint of the news is the establishment of specialized technology branches in the Guangdong-Hong Kong-Macao Greater Bay Area to enhance financial services for technology enterprises, focusing on product specialization, institutional differentiation, systematic management, and diversified services [1][3] - The Guangdong Financial Regulatory Bureau has issued a special notice to strengthen the construction of technology branches, emphasizing the need for a unique operating mechanism that centers around technology enterprises [1][3] - The technology branches will implement a specialized due diligence process tailored to the characteristics of technology enterprises, shifting the evaluation focus from traditional asset-based assessments to technology, team, and growth potential [1][3] Group 2 - The Industrial and Commercial Bank of China (ICBC) Guangdong Branch has established a technology financial service framework that includes a manufacturing center, a technology financial center, and specialized technology branches, aiming to lead and drive innovation in financial services [2] - As of June 30, 2025, the loan balance for technology enterprises at ICBC Guangdong Branch reached 286.8 billion yuan, an increase of 23.2 billion yuan from the beginning of the year, reflecting an 8.8% growth [2] - The bank has formed a core talent team of nearly 100 individuals to support the high-quality development of technology financial services, focusing on product innovation, marketing, customer service, and risk management [2] Group 3 - Future directions for strengthening technology branch construction include focusing on product specialization, developing tailored financial products for technology enterprises, and creating a supportive institutional framework for credit management and risk assessment [3] - The emphasis will also be on establishing a systematic management approach for technology financial services, ensuring that the construction of technology branches is treated as a long-term and systematic initiative [3] - Additionally, there will be a focus on diversified service offerings, leveraging the technology branches to provide proactive and innovative financial services to meet the needs of technology enterprises [3]

Core Insights - The exploration of technology finance by commercial banks has undergone significant changes, shifting from being mere fund providers to becoming financial planning guides for technology enterprises [1] Group 1: Identity Transformation - Commercial banks have transitioned from being "creditors" to "partners" of enterprises, enhancing the value perception of frontline staff in supporting technology enterprise development [1] - The assessment mechanism has been adjusted to incentivize grassroots staff [1] Group 2: Timing of Intervention - Loan support for technology enterprises has shifted earlier in their growth stages, with major banks collaborating with venture capital institutions and industrial parks to establish various incubation bases [1] - The approach of "investing early and small" is being explored [1] Group 3: Evaluation Methods - The evaluation of technology enterprises has moved from a historical perspective to a future-oriented approach [1] - A digital evaluation system has been established by major commercial banks, incorporating factors such as "investment flow," "technology flow," "talent," and "intellectual property" for comprehensive scoring [1] Group 4: Service Philosophy - Commercial banks are recognizing their limitations and are shifting from isolated efforts to actively participating in ecosystem construction, collaborating with various institutions to nurture the technology innovation environment [2] - Some state-owned banks have upgraded their philosophy from supporting the enterprise lifecycle to focusing on the technology lifecycle, providing financial guidance and enhancing support systems [2] Group 5: Internal Mechanisms - Commercial banks are reforming their internal mechanisms by establishing dedicated departments for technology finance and implementing vertical management to improve service efficiency [2] - The assessment indicators have been reformed to allow for a certain level of risk tolerance in technology finance business, thereby stimulating the enthusiasm of frontline personnel [2] Conclusion - Despite the achievements in technology finance exploration, the banking industry is at a critical juncture, facing new demands for innovation in financial services due to accelerated technological advancements [2] - To better serve high-level technological innovation, commercial banks need to address practical challenges and innovate solutions, starting from internal reforms to deepen the exploration of technology finance services [2]

作为本次大会的唯一合作银行，中信银行长沙分行充分发挥中信集团协同优势，协同中信建投证券医疗 器械与服务行业专家代表以"生物医药及医疗器械产业投资现状和投资策略"为主题进行分享。同时，还 邀请中信金石投资医疗组专家代表对现场6家路演企业进行专业点评。中信银行总行投资银行部/科技金 融中心代表在会上重点阐述了中信银行"不止于金融"的多元化服务理念和覆盖科技企业全生命周期的金 融服务体系，助力科技型企业精准解决发展痛点与融资需求。 长沙晚报掌上长沙7月27日讯（通讯员 盛韬）科技金融位列"五篇大文章"之首。做好科技金融大文章既 赋予了金融服务科技创新的历史使命,也明确了金融服务实体经济的重点方向。 7月24日，在湖南省科技厅、卫健委及药品监督管理局指导下，由省生物医药及医疗器械产业链工作专 班办公室、科学技术事务中心、岳麓山工业创新中心主办，中信银行长沙分行承办的"信伴湘企 科信相 融"系列活动暨"2025年湖南省生物医药及医疗器械前沿科技成果转化"对接会成功举办，通过政策资 源、金融资本与产业智慧的三方联动，搭建起科技成果从实验室走向市场的"最后一公里"通道。 生物医药及医疗器械产业关乎人民生命健康，是全省重点培 ...