Core Viewpoint - Bohai Bank emphasizes its commitment to consumer protection and financial education, achieving significant outreach and recognition in 2025 through innovative practices and a comprehensive consumer protection culture [1][4][12]. Group 1: Consumer Protection Initiatives - In 2025, Bohai Bank reached 1.23 billion people through financial education, achieving a 100% complaint resolution rate and a 100% mediation execution rate, showcasing its dedication to consumer rights [1][12]. - The bank established a complete consumer protection culture system, including the issuance of guidelines and extensive training, with over 1,100 training sessions and participation from more than 130,000 employees [3][12]. - Bohai Bank's proactive complaint handling resulted in a 100% resolution rate within 15 days, with 1.93 million calls received through customer service channels [13][12]. Group 2: Financial Education and Outreach - The bank implemented a "Consumer Protection+" theme education campaign, integrating financial education into various community activities, including partnerships with local organizations [4][12]. - Bohai Bank developed engaging educational content, such as animated videos and social media materials, to enhance consumer understanding of financial risks [4][12]. - The bank's outreach included targeted programs for vulnerable groups, such as the elderly and youth, to educate them on financial safety and fraud prevention [12][4]. Group 3: Process and Compliance Management - Bohai Bank adopted a "Three Appropriateness" principle to ensure that financial products are suitable for the right customers through comprehensive risk management [17][18]. - The bank established a robust consumer protection review system, ensuring that all products undergo thorough scrutiny before launch, achieving a 100% coverage rate for consumer protection reviews [17][18]. - Various branches implemented localized strategies to enhance compliance and consumer protection, such as pre-sale product screening and tailored services based on customer profiles [18][17].

Market Overview - The NPL product market continued to expand in 2025, with a total issuance scale of 820.57 billion yuan, representing a year-on-year growth of 61.32%[4] - The cumulative issuance scale of NPL products from 2016 to 2025 reached 3285.88 billion yuan, indicating a sustained growth trend over six consecutive years[4] Asset Securitization - In 2025, commercial banks disposed of a total of 519.11 billion yuan of non-performing loans (NPLs) through asset securitization, with principal accounting for 90.53% of this amount, marking a 62.80% increase from 2024[5] - As of September 2025, the balance of non-performing loans in commercial banks was 3522.48 billion yuan, with 349.45 billion yuan disposed of through securitization, accounting for 10.28% of the median balance of non-performing loans[7] Issuance Characteristics - Large state-owned commercial banks remained the main issuers in the NPL market, with the top three institutions (Industrial and Commercial Bank of China, China Construction Bank, and Bank of China) accounting for 39.92% of the total issuance in 2025[9] - The types of NPL products issued have diversified, including personal housing mortgage NPLs and small micro-enterprise NPLs, reflecting a trend towards greater variety in product offerings[9] Recovery Rates and Valuation - The expected recovery rate for credit card NPL products ranged from 4.09% to 16.15%, with a weighted average recovery rate of 9.68%[22] - Personal housing mortgage NPL products had a higher expected recovery rate of 31.44% to 50.02%, with a weighted average recovery rate of 42.30%, although this represents a decline from 50.08% in 2024[31] Small Micro-Enterprise Loans - In 2025, 44 small micro-enterprise NPL products were issued, with a total issuance scale of 224.01 billion yuan, accounting for 27.03% of the total issuance[36] - The expected recovery rate for small micro-enterprise NPLs varied significantly, ranging from 11.58% to 57.20%, depending on the type of collateral involved[37]

经济观察网 根据公开信息，截至2026年2月初，渤海银行（09668.HK）近期有以下几方面动态值得关 注。 高管变动 2026年2月3日，渤海银行公告称，凌颖杰女士在职工代表大会上获选为第六届董事会职工董事，其任期 自监管机构核准任职资格之日起生效。 监管情况 监管合规压力持续显现。2026年2月，渤海银行武汉分行因流动资金贷款贷前调查和贷后管理不尽职、 融资租赁保理业务不审慎等问题，被国家金融监督管理总局湖北监管局处以175万元罚款，相关责任人 员也受到警告等处罚。这反映出该行在特定业务领域的风险内控仍需加强。 业绩经营情况 根据2025年第三季度财务信息，渤海银行当期实现营业收入193.26亿元，净利润49.88亿元。但资产质量 仍面临挑战，截至2025年6月末，其不良贷款率为1.81%，在股份制银行中处于较高水平。为优化资产 结构，该行在2025年10月公告拟通过公开挂牌方式转让一批总额约698.33亿元的债权资产。 业务进展情况 债券承销：2025年，渤海银行在银行间市场民营企业债券承销规模及家数上均跻身行业前十，在股份制 银行中位居第二。 票据业务：2025年全年承兑汇票发生额突破4000亿元，其 ...

产品特色：线上扫码申请，线下放款。 申请条件： 为进一步提升金融助企服务质效，精准对接民营企业金融需求，市工商联特推出"民企金融服务直通 车"系列专栏，提供各银行机构特色金融产品及申请指南，为中小微企业搭建高效对接桥梁。本期专 栏，将带您走进渤海银行，解锁精准适配的融资服务。 渤海银行金融产品 惠企E贷-济宁财信 产品类型：流动资金贷款。 贷款对象：注册地在济宁辖内的小微企业。 1.距公司成立时间一年（含）以上，纳税状态为"正常"的小型、微型企业； 2.近一年销售收入200万（含）以上，近一年增值税、企业所得税、消费税应纳税额合计3000元（含） 以上； 3.无不良信用记录、无不良社会记录； 4.由济宁市财信融资担保集团股份有限公司提供担保的客户。 5.经工商行政管理部门批准，依法登记注册； 6.注册地点和经营地点均在经办行本地； 7.所属行业应符合本行授信政策要求，且不属于下列禁限行业： （1）涉及"两高一剩"和"三高一汰"的限制类企业； （2）从事房地产业或涉及房地产投资； （3）私人钱庄、赌博业和博彩业、传销等高危行业； （4）KTV、酒吧、夜总会、歌舞厅、桑拿按摩中心、足浴保健、游戏机中心、球馆、综合 ...

集中"踩雷"贷款业务 从罚单披露来看，贷款业务仍是近期银行领罚的"重灾区"。 国家金融监督管理总局浙江监管局发布行政处罚信息公开表显示，杭州联合农村商业银行因贷款管理不到位和 数据报送不准确等违法违规行为，被罚款1110万元。 近日，国家金融监督管理总局官网最新披露，有三家银行因贷款业务违规被罚。 其中，杭州联合农村商业银行遭罚1110万元，并有十余位从业人员受到警告。据券商中国记者梳理，这是2026 年以来，银行业首张千万级罚单。 同时，监管对杭州联合农村商业银行朱某、李某、周某等三位员工处以警告并各罚款10万元，对任某菲、李 某、郭某龙、国某等13位员工处以警告。 除杭州联合农村商业银行外，2月6日，渤海银行武汉分行、中信银行杭州分行也因贷款业务违规领罚。 其中，渤海银行武汉分行因流动资金贷款贷前调查和贷后管理不尽职、融资租赁保理业务不审慎，被监管处以 罚款175万元。一位员工被警告并罚款10万元，另有三位员工被警告。 中信银行杭州分行则因贷款管理不审慎、票据业务管理不到位等被罚款625万元；14位员工被警告。 "强监管零容忍"持续 "此次监管开年的雷霆之举，清晰传递了在'十五五'规划开局之年，金融监管从 ...

Group 1 - The core point of the article is that Bohai Bank's Wuhan branch has been fined for inadequate pre-loan investigation and post-loan management of working capital loans, as well as for imprudent practices in financing leasing and factoring business [1] - The total fine imposed on Bohai Bank's Wuhan branch amounts to 1.75 million yuan [1] - Regulatory authorities have issued warnings and fines to responsible individuals, including a 100,000 yuan fine for Liu Tianlun, and warnings for Liu Wenyiao, Zhang Bei, and Zhang Wentao [1]

Core Insights - Bohai Bank ranks among the top ten in terms of bond underwriting scale and number of underwritings for private enterprises in the interbank market, holding the second position among joint-stock banks in this category [1] Group 1: Bond Underwriting Performance - In 2025, Bohai Bank provided bond financing services for over 50 private enterprises, completing nearly 100 transactions across key sectors such as agriculture, electronic information, healthcare, high-end manufacturing, and equity investment, raising over 30 billion yuan [1] - The bank has successfully underwritten the first batch of technology innovation bonds for private tech companies like Geely Holding and Yingliu Electromechanical, as well as for private equity investment institutions, guiding funds towards R&D and industrial upgrades in technology-driven private enterprises [1] Group 2: Focus on Green Transition - Bohai Bank emphasizes green transformation by underwriting multiple green asset-backed securities for BYD's financing leasing subsidiary, aiding the expansion of financing leasing scenarios in the new energy vehicle sector and promoting the construction of a green transportation system [1] - The bank also underwrote green technology innovation bonds for Zhongchuang Innovation Technology Group, with funds specifically allocated for lithium-ion battery manufacturing projects, contributing to the low-carbon development of the new energy industry chain [1] Group 3: Innovative Financial Tools - To address the varying credit qualifications of private enterprises, Bohai Bank has innovatively utilized financial tools to provide multi-dimensional credit enhancement support for bond financing [2] - An example includes the first batch of technology innovation bonds for private equity investment institutions, which achieved a credit rating upgrade to AAA through the introduction of the People's Bank of China's risk-sharing tool and guarantees from Zhongdai Credit Enhancement Investment Co., significantly lowering the financing costs for enterprises [2] - The bank is also exploring a "bonds + derivatives" comprehensive service model, creating credit risk mitigation tools (CRMW) to empower bond issuance for several private enterprises, effectively reducing their bond issuance costs and enhancing market acceptance [2]

Core Viewpoint - Bohai Bank has achieved significant recognition in the underwriting of private enterprise bonds, ranking among the top ten in both scale and number of underwritings, reflecting its commitment to supporting the private economy and implementing national financial policies [2][3][7] Group 1: Performance and Achievements - In 2025, Bohai Bank provided bond financing services to over 50 private enterprises, facilitating nearly 100 transactions and raising over 30 billion yuan, which supported various sectors including agriculture, electronics, healthcare, and high-end manufacturing [3][4] - The bank has received multiple industry awards in the bond underwriting sector, including the Wind Best Investment Bank awards, which validate its rapid progress and professional market position [3][7] Group 2: Innovation and Strategic Alignment - Bohai Bank focuses on aligning its services with national macro strategies, directing financial resources towards key areas such as technological innovation and green development [4][5] - The bank has successfully underwritten the first batch of technology innovation bonds for private tech companies, promoting R&D and industrial upgrades [4][5] Group 3: Service Model and Regional Focus - The bank has optimized its organizational structure to create a "headquarters-branch linkage" service system, tailoring services to meet the specific needs of private enterprises [6] - As a national commercial bank headquartered in Tianjin, Bohai Bank has played a crucial role in supporting local economic development, including underwriting the first private technology innovation bond in Tianjin [6][7] Group 4: Future Commitment - Bohai Bank is committed to continuing its support for private enterprises by enhancing bond financing efforts and innovating financial products and services to contribute to high-quality economic development [7]

呈交日期: 2026年2月5日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 09668 | 說明 | | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 6,200,555,000 | RMB | | 1 | RMB | | 6,200,555,000 | | 增加 / 減少 (-) | | | 0 | | | | RMB | | 0 | | 本月底結存 | | | 6,200,555,000 | RMB | | 1 | RMB | | 6,200,555,000 | 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2026年1月31日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 渤海銀行股份有限公司 | 2. 股份分 ...

Group 1 - The Tianjin Bohai Bank Women's Volleyball Team has achieved a record of 8 wins and 6 losses, accumulating 24 points and ranking 4th in the league after 14 rounds of the regular season [3] - The team has undergone significant changes this season, introducing foreign players Natalia from Brazil and Martinez from the Dominican Republic, while key players from the previous season are absent due to overseas commitments or injuries [3] - Despite the instability in the lineup and short preparation time, the team has demonstrated resilience and a strong fighting spirit, continuing to embody the "volleyball spirit" [3] Group 2 - In the regular season, Tianjin faced 7 opponents in a home-and-away double round format, achieving a mixed record against top teams, including a 1-1 record against Shanghai and Beijing, and a double victory over Fujian, Henan, and Liaoning [4] - The team had 4 matches that went to the full 5 sets, with a balanced outcome of 2 wins and 2 losses, and performed well in matches that ended in 4 sets, securing 5 wins and 1 loss [4] - A positive development for the team is the return of main attacker Wang Yizhu from injury, which is expected to enhance the team's strength and confidence as they head into the playoffs [4]