Core Viewpoint - The article provides a comprehensive analysis of the 13 urban commercial banks in Zhejiang Province, focusing on their shareholder structure, asset and liability conditions, operating income, profit situation, and asset quality. Shareholder Situation - Among the 13 urban commercial banks, Ningbo Bank and Hangzhou Bank are publicly listed on the A-share market. Zhejiang Tailong Commercial Bank and Zhejiang Chouzhou Commercial Bank have their top three shareholders primarily from private entities. Taizhou Bank's largest shareholder is China Merchants Bank [2][3]. Asset Situation - By the end of 2024, Ningbo Bank's total assets reached 3.13 trillion yuan, ranking first among urban commercial banks in Zhejiang, closely followed by Zhejiang Zheshang Bank at 3.33 trillion yuan. Hangzhou Bank's total assets were 2.11 trillion yuan, while Wenzhou Bank had 505.39 billion yuan, ranking third [4][6]. - The total assets of the other 10 banks were all below 500 billion yuan, with Ningbo Donghai Bank having the lowest at 19.12 billion yuan. All 13 banks showed positive growth in total assets compared to the end of 2023, with Ningbo Donghai Bank experiencing a significant increase of 37.19% [5][6]. Liability Situation - The ranking of liabilities among the 13 banks corresponds with their total assets, with growth rates generally aligning with asset growth [8][9]. - Core liabilities for these banks are primarily deposits, with Ningbo Donghai Bank having a deposit-to-liability ratio of 92.92%, and Taizhou Bank at 90.20%. The two publicly listed banks have deposit ratios below 65% [11]. Operating Income Situation - Ningbo Bank led with an operating income of 66.63 billion yuan in 2024, followed by Hangzhou Bank at 38.38 billion yuan. Three banks, including Tailong Bank, Taizhou Bank, and Chouzhou Bank, reported operating incomes exceeding 10 billion yuan [12][13]. - All 13 banks maintained positive growth in operating income, with Ningbo Donghai Bank showing the highest growth rate of 32.19% [13][14]. Profit Situation - Ningbo Bank achieved the highest net profit of 27.22 billion yuan in 2024, surpassing Zhejiang Zheshang Bank. Hangzhou Bank's net profit was 16.98 billion yuan [15][19]. - Other banks had net profits below 5 billion yuan, with Ningbo Donghai Bank reporting only 0.61 billion yuan [17][19]. Asset Quality and Other Situations - The overall asset quality of the 13 banks is good, with seven banks reporting non-performing loan (NPL) ratios below 1%. Both Ningbo Bank and Hangzhou Bank had NPL ratios of 0.76% [20][23]. - In terms of provision coverage ratio, Hangzhou Bank had the highest at 541.45%, while Min Tai Bank had the lowest at 134.27% [21][23]. - Tailong Bank reported the highest net interest margin at 3.71%, while Shaoxing Bank had the lowest at 1.23% [24].

Population Situation - By the end of 2024, the permanent population of Anhui Province is projected to be 61.23 million, an increase of 20,000 from the end of 2023 [3][4] - Hefei, the capital city, has the highest population among the 16 cities, surpassing 10 million at 10.002 million, an increase of 149,000 from 2023 [3][4] - Fuyang's population is 8.041 million, ranking second but showing a decline of 43,000 from 2023 [3][4] - The least populated city is Tongling, with only 1.302 million residents [3] GDP Situation Total GDP - In 2024, Anhui Province's GDP is expected to reach 5.06 trillion yuan, reflecting a year-on-year growth of 5.8% [5][6] - Hefei leads with a GDP of 1.35 trillion yuan, the only city in the province to exceed 1 trillion yuan [6] - Wuhu's GDP is projected to be 512.05 billion yuan, marking its first time surpassing 500 billion yuan [6] - Fuyang and Anqing are expected to exceed 300 billion yuan in GDP [6] Per Capita GDP - The per capita GDP for Anhui Province in 2024 is estimated at 82,700 yuan [8] - Hefei has the highest per capita GDP at 136,100 yuan, followed by Wuhu, Ma'anshan, and Tongling, all exceeding 100,000 yuan [8][9] Fiscal Revenue Situation - The general public budget revenue for Anhui Province in 2024 is projected to be 404.12 billion yuan [11] - Hefei leads with a budget revenue of 95.501 billion yuan, significantly higher than other cities [11] - Wuhu's budget revenue is expected to be 42.676 billion yuan, ranking second [11] Disposable Income Situation Urban Residents - In 2024, Ma'anshan's urban residents are expected to have the highest per capita disposable income at 65,600 yuan [12] - Hefei's urban residents will have a per capita disposable income of 62,700 yuan, ranking second [12] Rural Residents - Ma'anshan's rural residents are projected to have the highest per capita disposable income at 35,000 yuan [13] - Hefei's rural residents will have a per capita disposable income of 33,300 yuan, ranking third [13] - Suzhou has the lowest rural disposable income at 19,400 yuan [15]

截至目前，河北省共有 11 家城市商业银行，与河北省下辖 11 个地级市一一对应，也即每个地级市 均有一家城市商业银行。 一、股东情况 河北 11 家城商行 均未在资本市场上市 。 11 家银行前十大股东中均有当地政府资本的身影。 邢台银行和秦皇岛银行 2024 年末总资产还不足 2000 亿元，分别为 1751.76 亿元和 1718.56 亿元， 排在 9 家银行最后。 | 序号 | 公司名称 | 总资产 | 资产增速 | 贷款总额(不 含应计利息) | 贷款增速 | 贷款占比 | | --- | --- | --- | --- | --- | --- | --- | | 1 | 河北银行股份有限公司 | 5.696.00 | 7.12% | 3.302.80 | 4. 59% | 57.98% | | 2 | 张家口银行股份有限公司 | 3.576.03 | 4. 65% | 1,883.04 | 0. 69% | 52. 66% | | 3 | 唐山银行股份有限公司 | 3.522.99 | 15.00% | 1. 804. 05 | 15. 65% | 51. 21% | | 8 | 廊坊银行股份有 ...

Population Situation - By the end of 2024, Jiangsu's permanent population is projected to remain at 85.26 million, unchanged from 2023 [2][4] - Suzhou has the highest permanent population in Jiangsu, reaching 12.987 million, making it the only city in the province with a population exceeding 10 million [2][6] - Jiangsu has five cities with a decrease in permanent population compared to the end of 2023 [4] GDP Situation - Jiangsu's GDP is expected to reach 13.70 trillion yuan in 2024, with a year-on-year growth of 5.80%, ranking second among all provinces in China [7] - Suzhou leads the province with a GDP of 2.67 trillion yuan, the only city in Jiangsu exceeding 2 trillion yuan [7][8] - The smallest GDP in Jiangsu is projected for Lianyungang at 466.31 billion yuan [7][8] Per Capita GDP - The per capita GDP for Jiangsu is anticipated to be 160,694 yuan in 2024 [9] - Wuxi has the highest per capita GDP at 216,800 yuan, followed by Suzhou and Changzhou, both exceeding 200,000 yuan [9][10] - All cities except for Suqian are expected to have a per capita GDP exceeding 100,000 yuan [9] Fiscal Revenue Situation - Jiangsu's general public budget revenue is projected to exceed 1 trillion yuan for the first time, reaching 1,003.82 billion yuan in 2024 [11] - Suzhou's public budget revenue is expected to be 245.91 billion yuan, the only city in Jiangsu surpassing 200 billion yuan [11][14] - All cities except Nanjing are expected to see an increase in public budget revenue compared to 2023 [11][13] Disposable Income Situation - The per capita disposable income in Jiangsu is projected to be 55,415 yuan in 2024, with urban residents earning 66,173 yuan and rural residents earning 32,414 yuan [15][16] - Suzhou leads in per capita disposable income at 77,524 yuan, followed by Nanjing at 75,180 yuan [16][17] - Suqian has the lowest per capita disposable income at 34,657 yuan [16][17]

一场路边摊的 "宴请"引起了一场大讨论，"出圈"了一家县域农商行。 一、事件缘起 两名客户经理在面馆与贷款客户共同用餐，餐费由客户支付，引发 "违规接受客户宴请"之规定。 据说"宴请"之干扣面价值为 6 元一碗，而处罚则是" 各核减绩效 3000 元 "，管理责任人还" 核减绩效 1000 元 "。 以 6 元对 7000 元，该农商行"治腐"力度不可谓不大，充分展示了什么叫"勿以恶小而为之"，并随 即引起网络大讨论。 一碗干扣面到底够不够得上 "宴请"两字？ 二、发展历史及股东情况 涡阳农商行前身是涡阳农村信用合作联社，于 2014 年改制并更为现名。涡阳农商行以服务"三 农"、服务中小微企业和服务县域经济为主要战略。 根据企查查并结合 2024 年信息披露，涡阳农商行目前注册资本为 7.62 亿元，但 实收资本为 9.53 亿元 （实收资本高于注册资本）， 共有 1869 个股东 ，其中法人股东 24 个，自然人股东 1845 户（内 部职工股 611 户、社会自然人股 1234 户）；法人股东持股占比 64.69% ，自然人股东持股 35.31% 。 | 股东类别 | 年初余额 | | 年末余额 | | ...

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 ...