Core Viewpoint - The organizational structure of Bank of Communications has undergone significant changes by the end of 2024, with adjustments in its departments and subsidiaries aimed at enhancing operational efficiency and management [1][2][3][4]. Group 1: Organizational Structure Changes - By the end of 2024, the Bank of Communications has a total of 39 primary departments, 9 secondary departments, and 13 tertiary departments, categorized into three main sectors: Financial Technology, Business Operations Management, and Comprehensive Management [1]. - The Financial Technology sector has been streamlined, merging the Financial Technology Innovation Research Institute with the Financial Technology Department, and eliminating the Digital Transformation Office [1]. - In the Business Operations Management sector, the Asset Custody Department has removed its secondary department, the Asset Custody Operations Center, and has added the Asset Custody Business Development Center [1][2]. - The Comprehensive Management sector has seen the addition of two new departmental-level institutions under the Audit Supervision Bureau, located in Xi'an and Nanjing [1][3]. Group 2: Departmental Breakdown - The Financial Technology Department includes the Financial Technology Department/Financial Technology Innovation Research Institute, Data Management and Application Department, Software Development Center, and various subordinate institutions [2]. - The Business Operations Management Department encompasses multiple divisions, including Corporate Institutional Business Department, International Business Department, Asset Custody Department, Investment Banking Department, and several others [2]. - The Comprehensive Management Department consists of various units such as Human Resources, Risk Management, and Audit Supervision Bureau, which has eight subordinate institutions across different cities [3]. Group 3: Workforce and Branch Network - As of the end of 2024, the Bank of Communications operates 38 provincial branches, 216 provincial-level branches, and 2,818 business outlets, along with 19 overseas branches in cities like Hong Kong, New York, and Tokyo [4]. - The total workforce of the Bank of Communications is 95,746 employees, with 89,301 working in domestic banking institutions and 2,623 in overseas branches [4]. - The gender distribution within the workforce shows that males account for 45.02% and females for 54.98% [4].

Group 1 - The core viewpoint of the article highlights the organizational structure and growth of Agricultural Bank by the end of 2024, including the addition of a new department focused on pension services [1][2]. - By the end of 2024, Agricultural Bank has a total of 41 departments at the headquarters, with the new Pension Business Department being the latest addition [1]. - The bank has a total of 22,843 domestic branches, which include 37 primary branches, 409 secondary branches, 3,316 primary sub-branches, and 19,025 grassroots operating institutions, along with 13 overseas branches and 4 representative offices [2]. Group 2 - As of the end of 2024, Agricultural Bank employs 454,700 staff members, an increase of 3,713 from the end of 2023, with female employees making up 54.1% and male employees 45.9% of the workforce [2].

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].

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, along with several name changes for existing departments [1][4]. Summary by Sections Organizational Changes - The total number of departments at the Bank of China has decreased from 39 to 36, and the number of direct institutions has decreased from 9 to 8 compared to the end of 2023 [1]. - Five departments have been eliminated: Comprehensive Deepening Reform Leadership Group Office, Investment Banking Department, Global Markets Department, Enterprise-Level Architecture Construction Office, and Scenario Ecology and Innovation Department [1]. - Two new departments have been added: Financial Markets Department and Business Research and Development Department [1]. - Several departments have undergone name changes, including the Globalization 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 have seen the cancellation of three entities: Digital Asset Operation Center, Centralized Operation Center (Guangdong), and Centralized Operation Center (Hubei) [1]. - Two new institutions have been 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 has increased by 1 to 373, while the number of grassroots branches has decreased by 21 to 9,867 [4]. Workforce - The total number of employees at the Bank of China is 312,800, an increase of 5,826 from the end of 2023 [4]. - The gender distribution among employees is 57.24% female and 42.76% male [4].

Core Viewpoint - As of the end of 2024, China Construction Bank maintains its organizational structure with 41 headquarters departments and 2 branch-level specialized institutions, consistent with the structure at the end of 2023 [1]. Company Financial Sector - The corporate finance sector consists of 7 departments: Corporate Business Department, Strategic Client Department, Institutional Business Department, Inclusive Finance Business Department, Settlement and Cash Management Department, Investment Banking Department, and International Business Department [1]. Asset Management Sector - The asset management sector includes 4 headquarters departments and 1 branch-level specialized institution: Group Asset Management Department, Financial Intermediary Department, Asset Custody Business Department, Financial Market Department, and Precious Metals and Bulk Commodities Business Department [2]. Personal Finance Sector - The personal finance sector comprises 4 headquarters departments and 1 branch-level specialized institution: Personal Finance Department (Consumer Rights Protection Department), Rural Revitalization Finance Department, Private Banking Department, Housing Finance and Personal Credit Department, and Credit Card Center [3]. Risk Management Sector - The risk management sector consists of 7 departments: Risk Management Department, Asset Protection Department, Credit Management Department, Credit Approval Department, Internal Control Compliance Department, Legal Affairs Department, Security Department, and Audit Department [4]. Technology and Operations Sector - The technology and operations sector includes 5 departments: Digital Construction Office, Online Finance Department, Channel and Operations Management Department, Data Management Department, and Financial Technology Department [5]. Comprehensive Management Sector - The comprehensive management sector comprises 13 departments: Board Office, Supervisory Office, General Office, Asset and Liability Department, Financial Accounting Department, Human Resources Department, Equity Investment and Subsidiary Management Department, Strategic and Policy Coordination Department, Party Committee Inspection Office, Public Relations and Corporate Culture Department, Retired Personnel Management Department, Party Affairs Department (Trade Union), and Party School (Advanced Research Institute) [6]. Employee Structure - As of the end of 2024, China Construction Bank has 37 primary branches and a total of 376,800 employees, with 15,081 at the headquarters. The gender distribution is 53.04% female and 46.96% male, with 14.71% holding a master's degree or higher and 18.00% having a college degree or lower [7].

Core Viewpoint - As of the end of 2024, the Industrial and Commercial Bank of China (ICBC) has expanded its organizational structure, adding a new department for personal credit business and restructuring the consumer rights protection office under the personal financial business department [1][2]. Group 1: Organizational Structure - ICBC has a total of 37 head office departments, including the newly added personal credit business department and the consumer rights protection office now under the personal financial business department [1][2]. - The 37 head office departments include various divisions such as corporate finance, personal finance, risk management, and financial technology [2]. - There are 9 direct institutions under the head office, including departments for credit cards, precious metals, and private banking [3]. Group 2: Branch and Employee Data - By the end of 2024, ICBC has 36 first-level branches, 460 second-level branches (an increase of 1 from the end of 2023), and 15,107 grassroots branches (a decrease of 120 from the end of 2023) [3]. - The total number of employees at ICBC is 415,200, with 21,590 at the head office. The gender distribution is 51.7% female and 48.3% male, with 13.3% holding a master's degree or higher [3].

Core Viewpoint - Changsha Bank has shown strong growth in assets and profitability, positioning itself favorably among national commercial banks, despite facing some asset quality pressures. Group 1: Company Overview - Changsha Bank was established in 1997 and has undergone several name changes, with its current name adopted in 2008 and listed on the Shanghai Stock Exchange in 2018 [1] - The largest shareholder is the Changsha Municipal Finance Bureau, holding 16.82% of shares as of March 2025, followed by Hunan Communication Industry Service Co., Ltd. with 8.09% [1] - As of the end of 2024, Changsha Bank has 13 branches across Hunan province and one in Guangzhou, along with three subsidiaries and a workforce of 9,779 employees [1] Group 2: Financial Performance - As of the end of 2024, Changsha Bank's total assets reached 1.15 trillion yuan, a year-on-year increase of 12.42%, ranking 25th among 42 A-share listed banks and 8th among city commercial banks [4] - The bank achieved operating income of 25.936 billion yuan in 2024, up 4.57% year-on-year, and a net profit attributable to shareholders of 7.827 billion yuan, an increase of 4.87% [6] - Changsha Bank's operating income and net profit surpassed those of national peers such as Hengfeng Bank and Bohai Bank, indicating strong growth [6][7] Group 3: Interest Margin and Income - The net interest margin for Changsha Bank remained above 2% at 2.11% in 2024, despite a decrease of 20 basis points from 2023, ranking second among A-share listed commercial banks [11] - The loan portfolio grew by 11.61%, reaching 545.109 billion yuan, contributing to a net interest income of 20.564 billion yuan, which accounted for 79.29% of total operating income [13] Group 4: Asset Quality - As of the end of 2024, the non-performing loan (NPL) ratio was 1.17%, a slight increase of 2 basis points from the previous year, indicating a moderate level of asset quality [14] - The provision coverage ratio stood at 312.80%, providing a solid buffer against potential asset deterioration [14] - However, the overdue loan ratio reached 1.80%, indicating pressure on asset quality, with the proportion of special mention loans rising to 2.63% [17]

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].