Core Viewpoint - The article discusses the development of private banks in China over the past decade, highlighting the involvement of major internet companies and the current status of these banks in terms of total assets and financial performance [1][4]. Summary by Sections Development of Private Banks - Since the pilot launch in 2014, China has established 19 private banks, with significant participation from major internet companies like Tencent, Alibaba, Xiaomi, and 360 [1]. List of Private Banks and Major Shareholders - A detailed table lists the names of the 19 private banks along with their top three shareholders, indicating the ownership structure of each bank [2][3]. Total Assets and Growth Rates - As of the end of 2024, the total assets of the private banks show significant variation, with Shenzhen Qianhai WeBank leading at 651.776 billion, a year-on-year growth of 21.70%. Zhejiang Wangshang Bank follows with 471.035 billion in total assets [4][6]. - Other banks like Jiangsu Sushang Bank, Wuhan Zhongbang Bank, and Sichuan Xinwang Bank also reported total assets exceeding 100 billion [4]. Revenue and Profitability - WeBank reported the highest revenue among private banks in 2024, amounting to 38.128 billion, ranking approximately 22nd among 42 A-share listed banks. Wangshang Bank followed with 21.314 billion [6][7]. - In terms of net profit, WeBank achieved 10.903 billion, significantly higher than Wangshang Bank's 3.166 billion, which is 3.44 times less [8]. Performance Variability - The growth rates of total assets varied among the banks, with WeBank, Yumin Bank, Sushang Bank, Huazhong Bank, and Minshang Bank exceeding 10%. Conversely, Hunan Sanxiang Bank, Jilin Yilian Bank, and Liaoning Zhenxing Bank experienced negative growth [6]. - The article also notes that some banks, including Anhui Xin'an Bank, reported minimal revenue, highlighting the disparity in performance among the private banks [5][7].

Group 1 - The core viewpoint of the article highlights the financial performance and organizational structure of Bohai Bank as of the end of 2024, showcasing its growth and strategic adjustments in departments [1][2][4]. - As of the end of 2024, Bohai Bank's total assets reached 1.84 trillion yuan, representing a year-on-year growth of 6.41%. The bank achieved an operating income of 25.482 billion yuan, up 1.94% year-on-year, and a net profit attributable to shareholders of 5.256 billion yuan, which is a 3.4% increase year-on-year [1]. - The largest shareholder of Bohai Bank is Tianjin TEDA Investment Holding Co., Ltd., holding 20.34% of the shares, followed by Standard Chartered Bank with 16.26% [1]. Group 2 - As of the end of 2024, Bohai Bank has a total of 32 departments at the head office, with new departments such as the Group Customer Department (Green Finance Department), Network Finance Department, and Asset Protection Department being added [2]. - The bank has established branches in 25 provinces across the country, excluding six provinces, and has one overseas branch in Hong Kong, along with a subsidiary, Bohai Wealth Management Co., Ltd. [3]. - The total number of employees in Bohai Bank Group is 13,824 as of the end of 2024 [4].

Core Viewpoint - Hengfeng Bank has undergone significant changes in its ownership structure and financial performance, transitioning from a municipal state-owned bank to a provincial state-owned bank, with a notable increase in total assets and net profit as of the end of 2024 [1][3]. Group 1: Ownership Structure - Hengfeng Bank was established in 1987 as Yantai Housing Savings Bank and restructured in 2003 [1]. - Before 2019, the largest shareholder was Yantai Lantian Investment Holding Co., Ltd. with a 20.59% stake, followed by Singapore's UOB with 13.16% [1]. - In 2019, Central Huijin became the largest shareholder with a 53.95% stake after injecting capital, while Shandong Financial Asset Management Co., Ltd. held 32.37% [1]. - By the end of 2024, Shandong Financial Asset Management Co., Ltd. became the largest shareholder with 46.61% after acquiring additional shares, while Central Huijin's stake decreased to 40.46% [1]. Group 2: Financial Performance - As of the end of 2024, Hengfeng Bank's total assets reached 1.54 trillion yuan, reflecting a year-on-year growth of 6.64% [1]. - The bank achieved an operating income of 25.775 billion yuan, a year-on-year increase of 1.98% [1]. - The net profit attributable to shareholders was 5.454 billion yuan, marking a year-on-year growth of 5.99% [1]. Group 3: Organizational Structure - Hengfeng Bank's headquarters consists of 25 departments, unchanged from 2023, categorized into six major areas: business management, product management, risk management, comprehensive management, shared resources, and specialized institutions [2]. - The bank operates branches in 15 provinces, including major cities like Beijing, Shanghai, and Guangzhou, and has one subsidiary, Hengfeng Wealth Management Co., Ltd., along with five rural banks [3]. - The total number of employees in the Hengfeng Bank group is 12,323 as of the end of 2024 [3].

Group 1 - The core viewpoint of the article highlights the growth and organizational structure of Zhejiang Zheshang Bank, emphasizing its financial performance and shareholder composition as of the end of 2024 [1][2][3]. Group 2 - As of the end of 2024, Zhejiang Zheshang Bank's total assets reached 3.33 trillion yuan, an increase of 5.78% compared to the end of 2023 [1]. - The bank achieved an operating income of 67.65 billion yuan in 2024, reflecting a year-on-year growth of 6.19% [1]. - The net profit attributable to shareholders for the year was 15.186 billion yuan, showing a slight increase of 0.92% year-on-year [1]. - The largest shareholder, Zhejiang Financial Holding Co., Ltd., holds a 12.57% stake, and the bank does not have a controlling shareholder [1]. - The top ten shareholders include entities such as Hong Kong Central Clearing Limited and Hengdian Group, with varying ownership percentages [1]. Group 3 - The bank's headquarters consists of 32 primary departments and a centralized procurement management center, with a reduction in the number of direct institutions compared to 2023 [2]. - Zhejiang Zheshang Bank has established branches in 22 provinces across China, excluding several regions, and has a presence in Hong Kong [2]. - The bank operates two subsidiaries: Zheshang Financial Leasing Company and Zheshang Wealth Management [2]. Group 4 - As of the end of 2024, the total number of employees at Zhejiang Zheshang Bank is 25,226 [3].

广发银行前身是成立于 1988 年的广东发展银行。 2006 年，花旗集团、中国人寿、国家电网和中信信托组成财团参与广发银行重组，四家单位各 持广发银行 20% 股权，并列成为第一大股东。 2016 年中国人寿收购花旗集团的 20% 股份并增资后成为广发银行最大股东，并将广发银行纳 入 中国人寿集团旗下 。 截至 2024 年末， 中国人寿保险股份有限公司 是广发银行最大股东（持股 43.686% ）； 中信 信托 持股 14.137% ，是第二大股东。截至2024年末，广发银行前十大股东如下图： 截至 2024 年末，广发银行总资产达到 3.64 万亿元 ，同比增长 3.86% ；当年实现营业收入 692.37 亿元 ，同比下降 0.63% ；实现归母净利润 152.84 亿元 ，同比下降 4.58% 。 2024年末，广发银行总行共有 32个一级部门 和消费者权益保护与服务监督部1个 总行独立二级部 。在法律与合规部下设二级部 反洗钱中心 ，在战略规划部下设 协同发展部 ，在总务部下设 南海综合 中心 等二级部。 广发银行总行还有 信用卡中心 和 资金营运中心 2个专营机构和 研发中心 1个直属机构。 具 ...

Core Viewpoint - Jiangsu Province is one of the wealthiest provinces in China, with a GDP exceeding 10 trillion yuan since 2020 and projected to reach 13.70 trillion yuan by 2024, making it one of only two provinces alongside Guangdong to surpass this threshold [1][2]. Economic Overview - Jiangsu's GDP in 2020 was only 92.5% of Guangdong's, but by 2024, it is expected to reach 96.7% of Guangdong's GDP [1]. - The per capita GDP in Jiangsu is projected to be 160,700 yuan in 2024, significantly higher than Guangdong's 97,600 yuan, ranking first among all provinces [1]. City-Level Analysis - Jiangsu has 13 prefecture-level cities, all of which are ranked among the top 100 cities in China [1]. - Suzhou leads in GDP among Jiangsu cities with a projected 26,700 billion yuan in 2024, followed by Nanjing at 18,500 billion yuan and Nantong at 16,300 billion yuan [2]. - The cities of Suzhou, Wuxi, and Changzhou, known as the "Taihu Three Dominators," have per capita GDPs exceeding 200,000 yuan, ranking them among the top three in Jiangsu [5]. Fiscal Performance - In terms of fiscal revenue, Suzhou is expected to generate 245.91 billion yuan in 2024, significantly higher than Nanjing and Wuxi, which both exceed 100 billion yuan [8]. Population Metrics - Suzhou has the highest permanent resident population in Jiangsu, projected to reach 12.987 million by the end of 2024, while Nanjing's population is expected to be 9.577 million [11]. Living Standards - Suzhou also leads in disposable income, with a projected figure of 77,500 yuan in 2024, followed by Nanjing and Wuxi, both exceeding 70,000 yuan [14].

Core Viewpoint - Huaxia Bank, established in 1992, has undergone significant changes, including a shareholding reform in 1995 and a public listing in 2003, with major shareholders including Shougang Group and State Grid [1][2]. Group 1: Shareholding Structure - As of March 2025, the largest shareholders of Huaxia Bank are Shougang Group (21.68%), State Grid (19.33%), and China Property Insurance (16.11%) [1]. - The top ten shareholders include various entities, with the smallest holding being 0.65% by a fund linked to Industrial and Commercial Bank of China [1]. Group 2: Financial Performance - By the end of 2024, Huaxia Bank's total assets reached 4.38 trillion yuan, with a growth rate of 2.86% [1]. - The bank reported an operating income of 97.146 billion yuan, reflecting a year-on-year increase of 4.23%, and a net profit attributable to shareholders of 27.676 billion yuan, up by 4.98% [1]. Group 3: Organizational Structure - As of 2024, Huaxia Bank has maintained 34 departments, categorized into six major segments: corporate finance, retail and inclusive finance, financial markets, risk management, financial technology, and basic support [2]. - New departments include the Industrial Digital Finance Department and the renaming of the Personal Business Department to Retail Finance Department [2]. Group 4: Employee and Branch Network - Huaxia Bank employs a total of 38,937 staff members as of 2024 [5]. - The bank has established branches in 30 out of 31 provinces in China, excluding Tibet, and has overseas branches in Hong Kong [3].

截至2024年，平安银行除在 西藏和青海 外，其他的31个省份均设有分行 ，并有1家香港分行和 平 安理财 1家子公司，拥有员工41011人。 T H E E N D 免责声明： 本文纯属个人观点，仅供学习交流。 欢迎关注 请 关注 上方公众号 ，欢迎" 分享 "" 收藏 "" 点赞 " 往期回顾 平安银行发展历程可追溯到成立于1987年的 深圳发展银行 和深圳市联合信用银行（后更名为 深圳 市商业银行 ）以及2003年平安集团收购的 亚洲银行 。其中深圳发展银行于1991年4月在深交所上市， 股票代码为 000001.SZ 。 2007年 亚洲银行和深圳市商业银行合并并更名为 深圳平安银行 。 2012年 深 展发展银行吸收合并深圳平安银行并更名为平安银行。 中国平安集团 是平安银行最大股东，其通过自有资金、子公司资金及保险产品持有平安银行 超过 50% 的股份。 2025年3月末，平安银行前十大股东如下表： | 股东名称 | 持股比例 | | --- | --- | | 中国平安保险(集团)股份有限公司-集团本级-自有资金 | 49.56% | | 中国平安人寿保险股份有限公司-自有资金 | 6. 11% ...

中国民生银行成立于1996年1月，是我国第一家主要由民营企业发起设立的全国性股份制银行。 2000年在上交所上市，股票代码为600016.SH，2009年在香港上市，股票代码为01988.HK。 民生银行 无实际控股股东 ，2025年3月末， 大家保险公司 通过两个产品合计持有民生银行 16.79% 股份，是最大股东。 | 股东名称 | 持股比例 | | --- | --- | | 香港中央结算(代理人)有限公司 | 18.93% | | 大家人寿保险股份有限公司-万能产品 | 10. 30% | | 大家人寿保险股份有限公司-传统产品 | 6. 49% | | 深圳市立业集团有限公司 | 4. 49% | | 同方国信投资控股有限公司 | 4. 31% | | 新希望六和投资有限公司 | 4. 18% | | 上海健特生命科技有限公司 | 3. 15% | | 中国船东互保协会 | 3. 02% | | 东方集团股份有限公司 | 2 92% | | 香港中央结算有限公司 | 2. 42% | 2024年末 民生银行 总资产达到 7.81万亿元 ，同比增长1.82%；当年实现营业收入 1362.90亿元 ， ...

Core Viewpoint - China Everbright Bank, established in August 1992 and listed in August 2010, is primarily owned by China Everbright Group, which holds a 44.23% stake. The bank's total assets reached 6.96 trillion yuan by the end of 2024, reflecting a year-on-year growth of 2.75%, while its operating income decreased by 7.05% to 135.415 billion yuan, and net profit attributable to shareholders increased by 2.22% to 41.696 billion yuan [1][2]. Group 1 - China Everbright Bank's major shareholder is China Everbright Group, with a direct holding of 44.23% and an additional 2.66% through China Everbright Holdings [1]. - By the end of 2024, the bank's total assets were 6.96 trillion yuan, showing a 2.75% increase year-on-year [1]. - The bank's operating income for 2024 was 135.415 billion yuan, a decrease of 7.05% compared to the previous year [1]. - The net profit attributable to shareholders for 2024 was 41.696 billion yuan, reflecting a year-on-year growth of 2.22% [1]. Group 2 - As of the end of 2024, China Everbright Bank had 43 departments, with several organizational changes including the integration of various departments [2]. - The bank operates branches in all 31 provinces of China and has international branches in Hong Kong, Macau, South Korea, Luxembourg, Australia, and Japan [2]. - The bank has several subsidiaries, including Everbright Financial Leasing and Everbright Wealth Management, and operates village banks in Hunan, Jiangsu, and Jiangxi [2]. Group 3 - The total number of employees at China Everbright Bank Group was 47,982 by the end of 2024 [3].