主君的太阳

息差企稳回升 中间业务明显分化！解读首批上市银行半年报_我的网站

一 |     　　8月24日晚间，贵阳银行、瑞丰银行同时发布2026年半年报，两家银行营收分别增长（同比，下同）10.87%、减少1.96%，归母净利润分别减少4.61%、微增0.94%。　　近期，上市银行迎来了半年度成绩单披露高峰期，从首批公告数据的10家银行（含业绩快报）来看，营收与归母净利润普遍实现正增长，资产质量稳中向好。    

    Japanese Prime Minister Sanae Takaichi attended the party leaders debate held at the House of Representatives in the Diet,. Tokyo Japan on July 15, 2026.
Due to concerns about fueling tension with China and South Korea, Japanese Prime Minister Sanae Takaichi is considering refraining from visiting the notorious Yasukuni Shrine, a symbol of Japanese militarism and wartime aggression, to mark the anniversary of Japan's unconditional surrender in World War II (WWII) on Saturday, Japanese media outlet Kyodo quoted sources familiar with the matter as saying on Wednesday. 
Chinese experts said even if Takaichi forgoes a visit to the notorious shrine, the potential decision is merely driven by political calculations and diplomatic maneuvering, and could not be interpreted as a shift in her right-wing stance or as a sign of remorse over Japan's wartime aggression.
Such a visit to the shrine by Takaichi, a conservative known for her hawkish foreign policies, would certainly fuel tensions with China and create a rift in relations with South Korea, two countries that suffered under Japan's wartime military atrocities, Kyodo News reported.
Takaichi regularly visited the shrine before, even while serving as a Cabinet minister. But she has not visited the shrine since becoming leader of the ruling Liberal Democratic Party and prime minister in October, according to Kyodo news. 
Chief Cabinet Secretary Minoru Kihara said at a press conference on August 7, when asked about a possible visit by Takaichi to the shrine around the anniversary, that "it is a matter for the prime minister to decide appropriately on her own," according to Japan's Jiji Press. 
A source close to Takaichi told the Jiji that, "I don't think the prime minister will visit Yasukuni Shrine. It would complicate relations with South Korea."
Japan's Asahi TV reported that Takaichi may forgo the visit because she believes it is necessary to avoid triggering diplomatic tensions with South Korea, as well as with China.
A visit to the notorious shrine by a sitting Japanese prime minister would be a serious political incident, as it would reflect the leader's attitude toward Japan's wartime aggression and broader historical issues. Even if Takaichi chooses not to visit the shrine, it would not signal a retreat from her right-wing stance or a change in her views of Japan's wartime aggression against other countries, Lü Chao, an expert on Korean Peninsula issues at the Liaoning Academy of Social Sciences, told the Global Times. Rather, he said, the decision would largely reflect political calculations and diplomatic maneuvering. 
Lü added that Takaichi could still make other symbolic gestures on the anniversary to cater to Japan's right-wing forces, whose support helped propel her to power. Such a move, he said, would underscore that her views of Japan's wartime history remain unchanged and serve as a reminder to neighboring Asian countries to remain vigilant about Japan's political direction.
Reporting on Takaichi's possible decision to forgo a visit to the shrine, South Korean newspaper Chosun Ilbo said on Wednesday that Takaichi had regularly visited the Yasukuni Shrine. "In the Liberal Democratic Party leadership election held in October last year, Takaichi also said that if appointed prime minister, she would visit the Yasukuni Shrine, noting that such visits should not become a diplomatic issue." However, since then, Takaichi has not visited in person and has only dedicated offerings in a private capacity, per the report. 
In April, after Takaichi sent a ritual offering to the notorious Yasukuni Shrine, Chinese foreign ministry spokesperson Guo Jiakun said that China firmly opposes and strongly condemns Japan's latest negative moves related to Yasukuni Shrine and has lodged strong representations and protests with the Japanese side.
The Yasukuni Shrine is a spiritual tool and symbol of Japanese militarists responsible for the war of aggression. It is in fact a shrine for war criminals, noted Guo.
No sitting prime minister has gone to Yasukuni since Japan's late leader Shinzo Abe did so in 2013, drawing strong criticism from neighboring Asian countries. 
Beyond Takaichi herself, some Japanese politicians and lawmakers have kept visiting the Yasukuni Shrine, triggering fierce pushback from peace advocates in Japan and the international community, Liu Jiangyong, a professor at the Institute of International Studies of Tsinghua University, told the Global Times, noting that such visits not only reflect the long-standing right-wing stance of Takaichi and other conservative politicians on historical issues, but also lay bare Japan's enduring militarist remnants.
Also in April, members of the conservative solidarity association, a group of conservatives in Japan's Liberal Democratic Party, and 166 Sanseito lawmakers from the Diet and local assemblies visited the Yasukuni war shrine. 
In response, Lin Jian, Chinese foreign ministry spokesperson said that China strongly deplores and condemns such acts. 
"By visiting the Yasukuni war shrine that honors Japanese Class-A war criminals year after year, these Japanese politicians seek to reverse the just verdict on Japanese aggression, and hereby whitewash Japan's war crimes and revive militarism. The Chinese people and people elsewhere who suffered under Japanese aggression will never accept that, neither will anyone in the world who stand for peace. As Japanese neo-militarism keeps gaining strength, the international community must stay on high alert and stand ready to stamp it out before it could wreak havoc in the region," said Lin.
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二 | 　　监管部门的数据也显示，商业银行净息差迎来近五年首次环比回升。从资产摆布上看，年内信贷投放持续向科技、绿色、普惠等金融“五篇大文章”领域倾斜。　　9家银行净利实现正增长　　综合首批10家银行2026年半年度数据来看，营收、归母净利润实现正增长的分别有9家，业绩回暖态势明确，部分城商行增速明显领先。

三 | 　　具体来看，宁波银行上半年实现营业收入414.50亿元、归母净利润165.62亿元，分别增长11.54%、12.12%，在上述银行中增速居首；南京银行、江苏银行营收增速亦达10.94%、9.11%，重庆银行营收、净利润更是双双实现两位数增长，分别录得10.8%、10.28%增长；此外，贵阳银行增收不增利，营收保持10.87%增速的同时，归母净利润却下降约4.6%。　　相比之下，全国性银行增速相对温和，浦发银行归母净利润增长4.08%；率先交卷的平安银行营收、净利润分别增长1.78%、3.32%，增速双双转正。

四 | 上市农商行方面，渝农商行营收、归母净利润分别增长7.81%、6.09%；瑞丰银行上半年营收下跌1.96%，是上述10家机构中唯一营收增速“告负”的银行，但该行净利润微增0.94%。　　盈利回暖的同时，上市银行资产质量总体保持稳健。截至6月末，宁波银行不良贷款率为0.76%，连续19年保持在1%以下；江苏银行不良率为0.81%，为上市以来最优水平；南京银行不良率较年初再降0.01个百分点至0.82%；江阴银行不良率仅0.81%，较年初下降0.01个百分点。　　息差企稳回升　　近日，金融监管总局数据显示，2026年二季度商业银行净息差为1.41%，环比一季末回升1个基点，为2021年四季度以来首次。

五 | 广发证券银行业首席分析师倪军团队判断，一季度为全年息差低点，下半年回升概率较大。　　个体层面，息差走势分化明显。贵阳银行上半年净息差达1.67%，回升14个基点；重庆银行上半年净息差1.46%，回升7个基点；瑞丰银行息差回升3个基点至1.49%；平安银行净息差为1.80%，同比持平，较2025年全年抬升2个基点；江阴银行回升3个基点。　　而江苏银行、宁波银行、南京银行净息差分别较2025年全年收窄9个、4个、3个基点。　　证券时报记者注意到，息差分化背后也存在共性，各机构负债成本显著下行。上述银行计息负债成本率普遍同比下降约30个基点，重庆银行降幅达41个基点；平安银行吸收存款平均付息率降至1.38%，下降38个基点。　　存量高息存款集中到期重定价，叠加银行主动优化负债结构，构成息差企稳的主要支撑。光大证券银行业首席分析师王一峰预计，负债成本下行仍将持续显效，但边际空间受限、降幅或趋缓。　　除了利息收入的分化，中间业务收入同样冷暖不均。

六 | 值得一提的是，宁波银行手续费及佣金净收入43.17亿元，大增53.9%；平安银行财富管理手续费收入增长35.6%，代理个人保险、基金收入分别增长51.2%、45.1%，实现中收的大幅回暖。与此同时，南京银行手续费与佣金净收入下降18.5%。　　加码科创及绿色贷款　　证券时报记者注意到，已披露上半年业绩的首批银行在业绩回暖的同时实现稳健扩表。

七 | 规模扩张的结构特征较为明确，信贷资源加速向金融“五篇大文章”相关贷款为代表的对公领域倾斜。　　具体来看，截至6月末，江苏银行总资产达5.61万亿元，较年初增长13.79%，扩表速度居首；宁波银行总资产为3.95万亿元，较年初增长8.81%；浦发银行总资产站上10.4万亿元关口。　　细分来看，科技金融方面，江苏银行科技企业贷款超3200亿元，高质量客户数居省内第一；平安银行科技贷款余额2935.42亿元，较年初增长8.7%，显著高于整体贷款增速。　　绿色金融方面，江苏银行集团绿色融资规模突破9200亿元，较年初增长24.3%；重庆银行绿色金融规模迈入千亿级，达1069亿元；江阴银行绿色信贷较年初增长27.01%。　　普惠金融方面，江苏银行普惠型小微贷款余额超2700亿元，余额、增量均居城商行首位；平安银行普惠型小微贷款余额4768.64亿元，贷款户数达85.76万户。　　整体来看，随着息差企稳信号确立、财富管理动能修复，上市银行的经营韧性正逐步转化为业绩弹性。（文章来源：券商中国）。

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Published on:14:16:25