格隆汇2月12日丨华夏银行(600015.SH)公布2025年度业绩快报，2025年，本集团坚持稳中求进工作总基 调，锚定高质量发展要求，以战略目标为导向，重塑竞争优势，各项工作取得积极成效。报告期内，本 集团实现利润总额341.74亿元，比上年下降4.75%；实现归属于上市公司股东的净利润272.00亿元，比 上年下降1.72%。资产总额47,376.19亿元，比上年末增长8.25%；贷款总额25,666.66亿元，比上年末增 长8.47%。负债总额43,378.19亿元，比上年末增长8.15%；存款总额23,816.99亿元，比上年末增长 10.71%。 报告期末，本集团不良贷款率1.55%，比上年末下降0.05个百分点；拨备覆盖率143.30%，比上年末下降 18.59个百分点。 ...

Group 1 - The core viewpoint of the article highlights that multiple listed banks in China have announced a total dividend payout of nearly 70 billion yuan for the first half of 2025, indicating a robust trend in bank dividends compared to the previous year [1] - A total of 31 listed banks have declared mid-year dividends for 2025, which is an increase of 8 banks compared to 2024, reflecting a growing trend in dividend announcements within the banking sector [1] - The increase in dividends is partly attributed to the new "National Nine Articles" policy issued in April 2024, which encourages listed companies to enhance incentives for high-quality dividend-paying companies and promote stable and predictable dividend distributions [1] Group 2 - The collective dividend actions of listed banks signal strong profitability and ample cash flow within the banking sector, which can effectively boost investor confidence and lead to a valuation recovery for the sector [1] - In the first three quarters of 2025, 42 A-share listed banks achieved a total operating income exceeding 4.3 trillion yuan, with over 60% of them reporting year-on-year growth [1] - The net interest margin for listed banks was measured at 1.33% in the third quarter of 2025, remaining stable compared to the first half of the year, indicating consistent performance in the banking industry [1]

时序轮转，华章日新。站在"十五五"开局的新起点，一幅扎根京华、服务首都的金融画卷正徐徐展开。作为华夏银行 在首都的核心分支机构，华夏银行北京分行始终将自身发展融入国家战略和首都发展大局，在服务实体经济、赋能科 技创新、守护民生福祉的实践中担当作为，用实际行动践行首都金融机构的责任。从战略布局到一线实践，从重点项 目到民生服务，华夏银行北京分行秉持"服务首都、深耕本地"的宗旨奋力前行。2025年以来，分行聚焦北京地区，积 极调度金融资源，为首都经济社会发展提供大量金融支持，用专业的金融服务为首都现代化建设贡献坚实力量。 锚定国家大局 擘画协同发展新图景 金融是现代经济的核心，更是服务国家战略的重要支撑。华夏银行北京分行始终将自身发展坐标锚定在国家战略与首 都蓝图上，深刻把握京津冀协同发展的时代机遇，以精准高效的综合金融服务，为非首都功能疏解、现代化首都都市 圈建设和产业协同发展注入金融活水。 立足北京，深耕主场优势。 2025年以来，华夏银行北京分行主动对接北京"3个100"等市区两级重点项目，倾斜资源， 加快审批，精准投放，为重点项目建设提供综合金融服务。分行持续深化政银合作，协助举办"第十一届北京国际老 龄 ...

1、天弘弘华混合型证券投资基金（以下简称"本基金"）已获中国证监会2025年12月18日证监许可 【2025】2818号文准予注册募集。中国证监会对本基金的注册并不代表中国证监会对本基金的风险和收 益作出实质性判断、推荐或者保证。 2、本基金的基金管理人和登记机构为天弘基金管理有限公司（以下简称"本公司"），基金托管人为华 夏银行股份有限公司。 3、本基金类型为混合型证券投资基金。基金运作方式为契约型开放式。 4、本基金根据收费方式的不同，将基金份额分为不同的类别。A类基金份额指在投资人通过直销机构 以外的其他销售机构认购/申购基金时收取前端认购/申购费用，并不再从本类别基金财产中计提销售服 务费的基金份额；投资者通过直销机构认购/申购时不收取前端认购/申购费用。C类基金份额指在投资 人认购/申购基金时不收取认购/申购费用,且从直销机构以外的其他销售机构保有的本类别基金财产中计 提销售服务费的基金份额；其中，对于投资者通过直销机构认购/申购的或者通过其他销售机构认购/申 购且持续持有期限达到或超过一年（即365天）的C类基金份额，直销计提的销售服务费和其他销售机 构持有超过一年（含）后计提的销售服务费将在投资 ...

"五子"联动是北京市推进高质量发展的核心战略，也是"十四五"规划的关键抓手。作为北京市管金融机构，华夏银行以"京华行动"深度融入首都发展大局， 通过科技金融与绿色金融双轮驱动，同步激活消费潜能、夯实区域协同根基，并加强自身数字化转型，为"五子"联动战略从蓝图到实景注入强劲金融动能。 自"京华行动"实施以来，华夏银行构建了千亿级资金支持体系，打造专业化服务机制，完善全链条产品生态。数据显示，2025年华夏银行为北京地区提供各 类投融资服务超5000亿元，同比增长15%。"京华行动"一系列举措有力推动了首都经济高质量发展，彰显了金融机构服务国家战略和地区发展的使命担当。 金融活水 "滴灌"科创 在北京经济技术开发区，一家深耕高端半导体设备研发与制造的科技企业，正以创新之笔书写中国"芯"篇章。2025年，这家企业成功获得华夏银行35亿元综 合授信，其中25亿元资金已经像及时雨般投放，为企业攻克关键技术、填补国内空白、降低对外技术依赖、打造国际竞争力注入强劲动力。 这是华夏银行用金融活水润泽科技创新，服务北京国际科技创新中心建设的缩影。 科技金融是华夏银行服务首都发展新质生产力的核心引擎。2025年，华夏银行将科技金 ...

Group 1 - The company announced that starting from February 11, 2026, investors can open accounts, subscribe, redeem, and perform regular investment and conversion operations for certain funds through Chuangjin Qifu [1] - The company has signed a supplementary sales agreement with Beijing Chuangjin Qifu Fund Sales Co., Ltd. to enhance service offerings to investors [1] - Investors can enjoy fee discounts when subscribing or performing regular investment and conversion operations through Chuangjin Qifu, with the specifics determined by Chuangjin Qifu [2] Group 2 - The company will suspend subscription, conversion, and regular investment operations for the Ping An Jin Guanjia Money Market Fund from February 12 to February 23, 2026, while redemption and conversion out operations will continue [4][6] - The Ping An Zhongzheng Interbank Certificate of Deposit AAA Index 7-Day Holding Period Securities Investment Fund will also suspend similar operations during the same period [8][10] - The company will resume these operations on February 24, 2026, and will not issue further announcements regarding this resumption [4][8] Group 3 - The company has appointed Fangzheng Securities Co., Ltd. as a liquidity service provider for the Ping An Hang Seng Hong Kong Stock Connect Technology Theme ETF, effective February 11, 2026 [12] - The company has announced the establishment of the Ping An New Sharp Quantitative Stock Selection Mixed Fund, with the fund contract becoming effective on February 11, 2026 [21][22] - The company will handle subscription and redemption operations for the new fund within three months of the fund contract's effectiveness [22]

来源：中国金融家杂志 新春畅想 值此新春佳节，祝愿伟大祖国繁荣昌盛、国泰民安！祝愿金融同仁和各界朋友新年快乐、事业腾骧！ 责任编辑：王馨茹 华夏银行党委书记、 董事长杨书剑 刚刚过去的2025年，是"十四五"规划圆满收官之年，也是华夏银行发展历程中革故鼎新、筑基谋远的关 键一程。华夏银行新一届党委班子以"走出舒适区，踏上新征程"的共识凝聚动力，以贯穿业务发展、风 险防控、经营管理的"十大行动"推动全行系统性重塑，廓开新局。这一年，我们以"讲政治"指引方向， 以"创价值"驱动发展，以"担责任"回馈社会，在服务国家战略、赋能实体经济、满足人民需求的实践 中，淬炼出逆境中愈发坚韧、变革中主动求新的发展底色，经营发展迈上新台阶。 2026年是"十五五"规划全新开局之年。习近平主席在新年贺词中指出，"锐始者必图其终，成功者先计 于始"，华夏银行将以此为鞭策，以崭新的风貌、昂扬的姿态，全面融入金融强国建设的时代洪流： 我们将矢志不渝，做服务大局的坚定践行者。坚持以习近平新时代中国特色社会主义思想为指导，全面 贯彻党的二十大和二十届历次全会精神，认真落实中央经济工作会议精神。将更多金融资源配置到科技 创新的前沿、绿色发展的 ...

Group 1 - The core viewpoint of the article highlights the contrasting behaviors in the gold market, with retail investors showing enthusiasm for gold purchases while financial institutions adopt a cautious approach by tightening investment criteria and risk assessments [1][4][5] - As of February 9, the spot gold price reached a high of $5047.257 per ounce, marking a significant recovery above the $5000 threshold, with A-share and Hong Kong gold stocks also experiencing gains [1][2] - The current gold bull market has seen a cumulative increase of over 246% since its low in September 2022, with a notable surge of 64.56% in 2025, indicating strong market momentum [2][3] Group 2 - Financial institutions are raising the entry thresholds for gold investment, with banks like China Construction Bank and China Merchants Bank increasing minimum investment amounts for gold accumulation products [4][5] - Risk assessment standards are being tightened, with banks requiring higher risk tolerance levels for clients wishing to engage in gold investment, reflecting a proactive approach to consumer protection [5][6] - Despite the tightening of investment criteria, banks are also promoting gold-related financial products, such as structured deposits, which offer lower risk and are designed to appeal to a broader range of investors [6][7] Group 3 - The demand for physical gold products is surging ahead of the Spring Festival, with many banks reporting shortages of gold bars and coins, leading to recommendations for online purchases [7][8] - Investors are advised to be cautious during the holiday period, as international gold markets will remain active while domestic trading may pause, creating potential volatility [8][9] - Recommendations for gold investment include understanding the purpose of the purchase, with suggestions for gradual buying strategies to mitigate risks associated with high prices [10][11]

Core Viewpoint - The gold market is experiencing a surge in demand ahead of the Spring Festival, with spot gold prices stabilizing above $5000 per ounce, while financial institutions are adopting a cautious approach by tightening investment criteria and risk assessments [1][4][5]. Group 1: Gold Price Dynamics - As of February 9, spot gold prices reached a high of $5047.257 per ounce, marking a significant recovery above the $5000 threshold [1]. - The current bull market for gold has seen prices increase by over 246% since September 2022, with a notable rise of 64.56% in 2025 alone [3]. - Despite recent volatility, including a sharp drop to $4402.06 per ounce, gold prices rebounded quickly, indicating strong market resilience [3][4]. Group 2: Institutional Responses - Major banks have raised the entry thresholds for gold investment, with institutions like China Construction Bank increasing the minimum amount for gold accumulation to 1500 yuan [5][6]. - Risk assessment standards have been tightened, requiring clients to achieve a cautious risk rating before engaging in gold accumulation products [6]. - These measures are in response to the heightened volatility in gold prices and aim to protect inexperienced investors from potential losses [6]. Group 3: Consumer Behavior and Recommendations - There is a growing demand for physical gold products, with banks reporting shortages and advising customers to purchase online [8][9]. - Consumers are encouraged to clarify their purchasing intentions, distinguishing between investment and consumption, and to consider strategies like dollar-cost averaging to mitigate risks [10][11]. - The market is expected to remain volatile during the Spring Festival, with predictions of gold prices fluctuating between $4600 and $5000 per ounce [11].

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，将带您走进华夏银行，解锁精准适配的融资服务。 华夏银行金融产品 小微客户专精特新贷款 产品名称：小微客户专精特新贷款 申请条件：符合工信部认定标准的专精特新"小巨人"、省级"专精特新"中小企业中的小微客户；借款人 资信记录良好，无恶意违约记录；信用评级或信用评分符合本行小微客户信贷政策准入条件。 贷款额度：2000万元。 贷款期限：1—5年，其中信用贷款最长1年，抵押贷款最长5年。 贷款利率：3%左右。 申请流程：银行营业机构申请，线下审批放款。 产品类型：流动资金贷款。 适用对象：符合工信部认定标准的专精特新"小巨人"、省级"专精特新"中小企业、创新型中小企业中的 小微客户。 产品特色：信用、抵押或组合方式，其中专精特新"小巨人"信用额度最高1000万元，省级专精特新中小 企业信用额度最高500万元。 科技型小微企业贷款 产品类型：流动资金贷款。 适用对象：纳入山东省科技型企业名单内的小微客户。 产品特色：信用、抵押或组合方式 ...