Core Viewpoint - The organizational structure of the Bank of China has undergone significant changes by the end of 2024, with a reduction in the number of departments and direct institutions, reflecting a strategic shift in its operational focus [1][4]. Summary by Sections Organizational Changes - The Bank of China reduced its total number of departments from 39 to 36 and direct institutions from 9 to 8 compared to the end of 2023 [1]. - Five departments were eliminated, including the Office of Comprehensive Deepening Reform, Investment Banking Department, Global Markets Department, Corporate Architecture Construction Office, and Scene Ecology and Innovation Department [1]. - Two new departments were established: Financial Markets Department and Business Research and Development Department [1]. - Several departments underwent name changes, such as the Global Office renamed to Global Layout and Development Department, and the Investment Banking Department merged with the Corporate Finance Department to form the Corporate Finance and Investment Banking Department [1]. Direct Institutions - The direct institutions were reduced by three, with the cancellation of the Digital Asset Operation Center, Centralized Operation Center (Guangdong), and Centralized Operation Center (Hubei) [1]. - Two new institutions were established: Pension Finance Center and Remote Banking Center [1]. Institutional Overview - As of the end of 2024, the Bank of China has a total of 11,507 domestic and overseas institutions, an increase of 22 from the end of 2023, with 10,964 domestic and 543 overseas institutions [4]. - The number of secondary branches increased by one to 373, while the number of grassroots branches decreased by 21 to 9,867 [4]. Workforce - The total number of employees at the Bank of China reached 312,800 by the end of 2024, an increase of 5,826 from the previous year [4]. - The gender distribution among employees is 57.24% female and 42.76% male [4].

截至2024年末，中国银行总行共有 36个总行部门 和 8个总行直属机构 。 与2023年末相比， 2024年中国银行总行机构设置变化较大 ，将原来的39个总行部门减少到36个， 将原来的9个总行直属机构减少到8个，且多个总行机构进行了名称变更。 总行部门方面，取消了原来的 全面深化改革领导小组办公室 、 投资银行部、全球市场部、企业级 架构建设办公室 和 场景生态与创新部 等5个部门，新增了 金融市场部 和 业务研发部 等2个部门；并将 原 全球化办公室 更名为 全球布局与发展部 ， 投资银行部与公司金融部合并成公司金融与投资银行部 、 数据资产管理部 更名为 数据管理部 、 个人数字金融部 更名为 个人金融部 、 消费金融部 更名为 住 房与消费金融部 、 托管业务部 更名为 资产托管部 、 授信管理部 更名为 授信管理与资产保全部 、 信 息科技部 更名为 金融科技部 。 总行直属机构中，取消了原来的 数字资产运营中心、集约运营中心（广东）和 集约运营中心（湖 北）3个机构 ，新设了 养老金融中心 和 远程银行中心 2个机构。 目前36个总行部门具体如下： 公司金融与投资银行部、行政事业机构部、金融机构 ...

截至2024年末，中国建设银行总行共有41个总行部门和2个分行级专营机构，与2023年末的架构设 置保持一致。 这43个机构共分为 公司金融、资金资管、个人金融、风险管理、科技渠运营和综合管理六大板块 。 公司金融板块包括7个部门，分别是： 公司业务部、战略客户部、机构业务部、普惠金融事业部、结算与现金管理部、投资银行部和国际 业务部。 资金资管板块包括4个总行部门和1个分行级专营机构，分别是： 集团资产管理部、金融同业部、资产托管业务部、金融市场部4个总行部门和贵金属及大宗商品业 务部1个分行级专营机构。 个人金融板块包括4个总行部门和1个分行级专营机构，分别是： 风险管理板块包括7个部门，分别是： 风险管理部、资产保全部、信贷管理部、授信审批部、内控合规部、法律事务部和安全保卫部以及 审计部。 科技渠运板块包括5个部门，分别是： 数字化建设办公室、网络金融部、渠道与运营管理部、数据管理部和金融科技部。 综合管理板块包括13个部门，分别是： 董事会办公室、监事会办公室、办公室、资产负债部、财务会计部、人力资源部、股权投资与子公 司管理部、战略与政策协调部、党委巡视工作办公室、公共关系与企业文化部、离退休人员 ...

截至2024年末，中国工商银行总行共有37个总行部门和9个总行直属机构。 与2023年末相比，新增了 个人信贷业务部 一个总行级部门，另外将原法律事务部下属的 消费者权益保护办公室 移 到了个人金融业务部。 37个总行部门分别是： 公司金融部、机构金融业务部、个人金融业务部（消费者权益保护办公室）、个人信贷业务部、普惠金融事业部 （乡村振兴办公室）、国际业务部、专项融资部（营业部）、养老金融部、投资银行部、金融市场部、资产管理部、资 产托管部、 结算与现金管理部； 风险管理部、信贷与投资管理部、授信审批部、内控合规部、法律事务部、运行管理部、数据管理部、网络金融 部、金融科技部、财务会计部、资产负债管理部、审计部； 人力资源部、战略管理与投资者关系部、企业文化部、办公室、董事会办公室、监事会办公室、直属机构党委、党 委巡视办、现代金融研究院、安全保卫部、工会办公室和离退休人员服务与管理部。 9个总行直属机构分别是： 银行卡业务部（牡丹卡中心）、贵金属业务部、票据业务部、私人银行部、长春金融研修院、杭州 金融研修院、业 务研发中心、数据中心和软件开发中心。 此外，截至2024年末，工商银行境内拥有 36家一级（ ...

截 至 2024 年末，长沙银行省内外 分行 13 家 （包括湖南省内 除湘西外 的 12 个地级市均设有 1 家 分行和省外的广州分行），并控股 湘西长行村镇银行 、 宜章长行村镇银行 和 长银五八消费金融公司 三家子公司，并拥有员工 9779 人。 长沙银行前身是 1997 年在原长沙市 14 家城市信用社基础上组建的" 长沙城市合作银行 "， 1998 年 更名为" 长沙市商业银行 "， 2008 年更名为长沙银行， 2018 年在上交所上市，股票代码为 601577 。 长沙市财政局 是长沙银行最大股东（截至 2025 年 3 月末持股比例为 16.82% ）。第二大股东湖南省通 信产业服务有限公司是央企中国电信下属子公司。 截至 2025 年 3 月末，长沙银行前十大股东明细如下： | 序号 | 股东名称 | 持股比例 | | --- | --- | --- | | 1 | 长沙市财政局 | 16. 82% | | 2 | 湖南省通信产业服务有限公司 | 8. 09% | | 3 | 湖南友谊阿波罗商业股份有限公司 | 5. 69% | | ব | 湖南三力信息技术有限公司 | 4. 38% | | ...

2010 年，重庆农商行在香港上市，股票代码为 3618.HK ， 2019 年又在上交所上市，股票代码为 601077 ，股票简称" 渝农商行 "。 重庆农商行下辖 7 家分行（ 6 家位于重庆市内， 1 家位于云南省曲靖市）、 35 家支行，共 1743 个 营业机构，并发起设立 1 家金融租赁公司（渝农商金融租赁有限责任公司）、 1 家理财公司（渝农商理 财有限责任公司） 、 12 家村镇银行（位于江苏、四川、云南、福建和广西），此外还持有 重庆小米消 费金融有限公司 30% 股权。 截至 2024 年末，重庆农商行有从业人员 1.45 万人。 一、规模类增速有所放缓，但仍为头部农商行，且高于部分股份行 截至 2024 年末，重庆农商行总资产达到 1.51 万亿元，较 2023 年末增长 5.13% ，资产增速一般。 当年实现营业收入 282.61 亿元，同比增长 1.09% ，增速一般，特别是在 2022 年和 2023 年分别出现 -6.00% 和 -3.57% 的下降后， 2024 年仅增加 1% 出头，其营业收入尚未恢复到 2021 年的 300 亿以上规 模。 2024 年公司归母净利润 11 ...

Core Viewpoint - Huishang Bank has shown steady growth in total assets while experiencing a slowdown in revenue growth and moderate profit growth, positioning itself favorably among urban commercial banks in China [2][3][7]. Group 1: Company Overview - Huishang Bank was established in 1997 and has undergone several name changes and mergers, currently operating 21 branches and 464 outlets, primarily in Anhui province [1]. - As of the end of 2024, Huishang Bank's loans in Anhui accounted for 88.87% of its total loans, indicating a strong regional focus [1]. Group 2: Financial Performance - By the end of 2024, Huishang Bank's total assets exceeded 2 trillion yuan, reaching 2.01 trillion yuan, with a year-on-year growth of 11.49% [2]. - The bank achieved operating income of 37.175 billion yuan, a year-on-year increase of 1.62%, and a net profit attributable to shareholders of 15.414 billion yuan, up 6.80% year-on-year [2]. Group 3: Comparative Analysis - Huishang Bank ranks approximately seventh among urban commercial banks in terms of total assets, surpassing Hengfeng Bank and Bohai Bank in total assets, operating income, and net profit [7]. - In 2024, Huishang Bank's net interest margin was 1.71%, a decrease of 17 basis points from 2023, which is considered moderate among major commercial banks [12]. Group 4: Asset Quality - As of the end of 2024, Huishang Bank's non-performing loan (NPL) ratio was 0.99%, down 27 basis points from the previous year, with a provision coverage ratio of 286.47%, an increase of 14.53 percentage points [14]. - The bank's corporate loan NPL ratio improved to 0.86%, while the personal loan NPL ratio rose to 1.51%, indicating a divergence in asset quality between corporate and personal loans [16].

Core Viewpoint - Chengdu Bank has shown significant growth in total assets and profitability, positioning itself as a leading city commercial bank in China, with a focus on maintaining high asset quality and low non-performing loan ratios [1][2][4][15]. Group 1: Growth and Scale - As of the end of 2024, Chengdu Bank's total assets reached 1.25 trillion yuan, marking a 14.56% increase from the end of 2023, ranking it seventh among city commercial banks listed on A-shares [2]. - The bank's operating income for 2024 was 229.82 billion yuan, reflecting a year-on-year growth of 5.89%, while the net profit attributable to shareholders was 128.58 billion yuan, up 10.17% year-on-year [4][6]. Group 2: Profitability and Income Sources - Chengdu Bank's net interest margin stood at 1.66% in 2024, a decrease of 15 basis points from the previous year, placing it at a medium level among city commercial banks [11]. - Despite the decline in net interest margin, net interest income reached 184.61 billion yuan, a 4.57% increase year-on-year, accounting for over 80% of the bank's operating income [10][14]. - Investment net income was 36.24 billion yuan, growing by 14.18% year-on-year, contributing 15.77% to the total operating income [14]. Group 3: Asset Quality - Chengdu Bank maintained a non-performing loan ratio of only 0.66% at the end of 2024, a decrease of 2 basis points from the previous year, making it one of the banks with the lowest non-performing loan ratios in the A-share market [15][17]. - The bank's non-performing loan coverage ratio was 479.29%, indicating strong asset quality, although it did not retain the top position among A-share listed banks [15]. - The non-performing loan ratio for corporate loans was 0.63%, while personal loans had a slightly higher ratio of 0.78%, both remaining at acceptable levels [18].

2025 年 3 月 5 日，国家金监总局发布《关于进一步扩大金融资产投资公司股权投资试点的通知》 称"支持符合条件的商业银行发起设立金融资产投资公司"。新建 金融资产投资公司 （简称 " AIC "）再 次成为行业关注焦点。 建信投资目前有 13 个部门 ，分别是研究发展部（金融科技部）、能源基础投资部、战略新兴投资 部、先进制造投资部、特殊资产投资部、金融市场部、投后管理部、风险管理部、法律合规部（审计 部）、财务会计部、人力资源部（党委组织部）、综合管理部（党委办公室、党委宣传部）和纪委办公 室，并有一家子公司——建信金投私募基金管理（北京）有限公司。 建信投资组织架构图如下 ： 截至目前我国共有 五家 AIC ，分别是工商银行投资的工银金融资产投资有限公司（简称"工银投 资"）、建设银行投资的建信金融资产投资有限公司（简称"建信投资"）、 农业银行 投资的农银金融资 产投资有限公司（简称"农银投资"）、中国银行投资的中银金融资产投资有限公司（简称"中银投资"） 和 交通银行 投资的交银金融资产投资有限公司（简称"交银投资"）。 | 单位:亿元 | 注册地址 | 成立时间 | 注册资本 | 资产总额 | ...

Group 1: Total Assets and Structure - The total assets of the 12 national joint-stock banks exceed 15 trillion yuan, with two banks surpassing 10 trillion yuan and five banks between 5 trillion and 10 trillion yuan [2][3] - China Merchants Bank leads with total assets of 12.15 trillion yuan, followed by Industrial Bank at 10.51 trillion yuan [2][3] - All banks showed positive growth in total assets compared to the end of 2023, with China Merchants Bank having the highest growth rate of 10.19% [2][3] - Loans constitute the majority of total assets, with CITIC Bank having the highest loan-to-asset ratio at 60.01% [2][3] Group 2: Liabilities and Structure - The ranking of total liabilities mirrors that of total assets, with deposits being the primary source of liabilities for the banks [4][5] - China Merchants Bank has the highest deposit-to-liability ratio at 83.31%, indicating strong deposit-raising capability [4][5] - Four banks, including Industrial Bank and Minsheng Bank, have deposit ratios below 60%, with Huaxia Bank having the lowest at 53.64% [4][5] Group 3: Operating Income and Structure - China Merchants Bank reported operating income of 337.49 billion yuan, the highest among the banks, surpassing even the state-owned Bank of Communications [7][8] - Six banks experienced negative growth in operating income, with Ping An Bank showing the largest decline at 10.93% [8][10] - Net interest income remains the primary source of revenue, with Hengfeng Bank having the highest proportion of net interest income to operating income at 80.55% [8][10] Group 4: Net Profit Analysis - China Merchants Bank achieved a net profit of 149.56 billion yuan, the largest among the banks, nearly double that of the second-ranked Industrial Bank [14][15] - Four banks, including Minsheng and Guangfa, reported negative growth in net profit, with Minsheng Bank experiencing the largest decline at 9.07% [15][17] Group 5: Net Interest Margin and Quality - All banks reported a net interest margin below 2%, with China Merchants Bank having the highest at 1.98% [18][19] - The non-performing loan ratio for China Merchants Bank is the lowest at 0.95%, while Bohai Bank has the highest at 1.76% [19][20] - Provision coverage ratio for China Merchants Bank is significantly higher at 411.98%, compared to the second-highest, Ping An Bank, at 250.71% [19][20]