8月22日晚间，重庆银行（601963）(601963.SH;01963.HK)披露2025年半年度报告。报告显示，重庆银 行紧扣重大战略指引、提升服务实体质效，交出了一份规模与效益双提升的亮眼成绩单。 业绩表现优异的同时，重庆银行在资本市场的表现也迎来突破。截至2025年6月末，该行A股股价累计 涨幅超30%，市值创近4年新高；港股表现同样优秀，6月12日，该行H股收盘价达到8.74港币/股，创下 H股上市以来的收盘价历史新高。此外，该行首批入选上证580指数样本名单，申万宏源证券 （000562）、国盛证券、华福证券、西南证券等多家机构给出"增持"或"买入"评级。 效益层面同样表现亮眼，上半年重庆银行实现营业收入76.59亿元，同比增长7.00%；实现归属于上市公 司股东的净利润31.90亿元，同比增长5.39%，延续强劲发展势头。 报告期内，重庆银行强化风险前瞻管控，资产质量持续向好，关键指标实现"三降一升"。截至2025年6 月末，不良贷款率为1.17%，较上年末下降0.08个百分点；关注贷款率为2.05%，较上年末下降0.59个百 分点；逾期贷款占比1.58%，较上年末下降0.15个百分点。拨备覆盖 ...

Core Insights - Qingdao Bank reported a net profit attributable to shareholders of 3.065 billion yuan for the first half of 2025, an increase of 424 million yuan, representing a growth of 16.05% [1] - The bank's operating income reached 7.662 billion yuan, up by 534 million yuan, which is a growth of 7.50% [1] - The annualized weighted average return on equity improved to 15.75%, an increase of 0.41 percentage points year-on-year [1] Financial Performance - Basic earnings per share rose to 0.53 yuan, an increase of 0.08 yuan, reflecting a growth of 17.78% [1] - As of June 30, 2025, total assets amounted to 743.028 billion yuan, an increase of 53.065 billion yuan, or 7.69% from the end of the previous year [1] - Total customer loans reached 368.406 billion yuan, up by 27.716 billion yuan, which is a growth of 8.14% [1] - Total liabilities were 695.944 billion yuan, an increase of 50.880 billion yuan, or 7.89% [1] - Customer deposits totaled 466.140 billion yuan, up by 34.116 billion yuan, reflecting a growth of 7.90% [1] Asset Quality - The non-performing loan ratio stood at 1.12%, a decrease of 0.02 percentage points compared to the end of the previous year [1] - The provision coverage ratio improved to 252.80%, an increase of 11.48 percentage points year-on-year [1]

Core Viewpoint - Yibin Bank has experienced a leadership change shortly after its IPO, with the new president, Jiang Lin, having limited banking experience compared to her predecessor, Yang Xingwang, who resigned due to personal health reasons. The bank's financial performance for 2024 has shown stagnation, with significant declines in key revenue metrics [1][2][12]. Group 1: Leadership Changes - Jiang Lin has been appointed as the new president of Yibin Bank, previously serving in senior roles at Wuliangye Group, and her appointment is pending approval from the national financial regulatory authority [2][3]. - Jiang Lin resigned from her position as a non-executive director of Yibin Bank while being recommended for the executive director role [2]. - Yang Xingwang, the former president, had over 30 years of banking experience and resigned without the bank expressing customary gratitude for his service [1][9]. Group 2: Financial Performance - Yibin Bank's 2024 financial results indicate a stagnation in growth, with operating income and net profit increasing by only 0.5% and 0.1% year-on-year, respectively [12]. - The bank's net interest income, which constitutes over 70% of its operating revenue, decreased by 11.64% in 2024, leading to a decline in net interest margin from 2.18% in 2023 to 1.71% in 2024 [12][13]. - The bank's non-performing loan (NPL) ratio at the end of 2024 was 1.68%, a slight decrease of 0.08 percentage points year-on-year, with the wholesale and retail sector showing an increase in NPL ratio to 1.99% [13][14].