本报时报记者 卢梦雪 见习记者 张萌 北京报道 6月4日晚，港股上市的宜宾市商业银行（下称"宜宾银行"）发布公告，宣布董事会审议通过委任蒋琳为该行行 长，并建议其担任执行董事。 这项任命终结了宜宾银行近两个月的行长空缺期。原行长杨兴旺因"个人身体原因"于今年4月8日突然辞职，而彼 时距离宜宾银行登陆港交所还未满三个月。 新任行长蒋琳的履历丰富，从政府公职人员到五粮液集团高管，再到银行掌舵者，跨越政、企、金融三大领域。 2023年9月起，蒋琳开始担任宜宾银行非执行董事，同时继续兼任五粮液集团的相关职务。履新的背后，这家新晋 港股银行面临的挑战依旧显著：2024年营业收入增速骤降至0.5%，净息差缩窄至1.71%，制造业贷款不良率大幅 攀升……蒋琳的接任能否带领宜宾银行突破增长瓶颈，仍需时间检验。 新行长就任 曾拟任副行长但未获批准 行长之位空缺近两个月后，46岁的蒋琳经宜宾银行董事会审议通过，被委任为行长，并建议担任执行董事。 早在2023年9月，宜宾市人民政府便提名蒋琳担任宜宾银行副行长、董事职务，同时免去其在五粮液集团的副总经 理、董事职务。然而，蒋琳的副行长任职资格始终未获得监管部门的核准。同月，国家金融 ...

Group 1 - The core point of the news is the appointment of Jiang Lin as the new president of Yibin Bank, pending approval from the national financial regulatory authority [2][3] - Jiang Lin, aged 46, holds a PhD in economics from Sichuan University and has extensive experience in the financial sector, including significant roles at Wuliangye Group [2] - Jiang Lin's appointment follows the resignation of the previous president, Yang Xingwang, who stepped down for personal health reasons just three months after the bank's IPO on the Hong Kong Stock Exchange [5] Group 2 - Yibin Bank's total assets reached 109.205 billion yuan by the end of 2024, marking a year-on-year increase of 16.9% [5] - The bank reported an operating income of 2.180 billion yuan, reflecting a slight year-on-year growth of 0.5%, and a net profit of 477 million yuan, which is a 0.1% increase compared to the previous year [5]

目錄 | 公司簡介 | 2 | | --- | --- | | 董事長致辭 | 4 | | 釋義 | 8 | | 公司資料 | 13 | | 財務摘要 | 15 | | 管理層討論與分析 | 18 | | 董事會報告 | 77 | | 監事會報告 | 89 | | 股本變動及股東詳情 | 91 | | 董事、監事、高級管理層、僱員及組織 | 96 | | 公司治理報告 | 118 | | 獨立核數師報告 | 157 | | 財務報告 | 164 | | 未經審計補充財務信息 | 285 | 公司簡介 公司簡介 公司基本情況 宜賓市商業銀行是根據原中國銀監會四川監管局批准，由原宜賓市城市信用社改制設立的地方性法人金融機構，於 2006年12月27日成立，總部位於中國四川省宜賓市。 本行註冊地址為中國四川省宜賓市翠屏區女學街1號，主要辦公地址為中國四川省宜賓市敘州區金沙江大道9號。本集 團共設有66個營業網點，其中在宜賓市各區縣42個，在內江市24個。於報告期末，本行註冊資本為人民幣39億元，資 產總額（集團口徑）為1,092億元，是以資產總額計宜賓市最大的銀行，發放貸款及墊款淨額為人民幣584億元，存款總 額為 ...

于1月13日登陆港股的宜宾银行，仅上市三个月便陷入多事之秋。这家以"白酒系"为标签的城商行，尽 管背靠五粮液集团，却在资本市场首秀后接连遭遇业绩增速骤降、核心高管离职、资产质量隐忧暴露等 多重挑战。 数据上来看，宜宾银行2024年营收与净利润微增0.5%和0.1%的成绩似乎勉强维持了增长曲线，但深入 分析财报细节及市场动态，这家千亿规模银行的困境远比数字更复杂。 图源：宜宾银行官网 行长"闪辞"背后的战略困局 同时，宜宾银行贷款结构的失衡加剧了息差压力。宜宾银行高度依赖公司贷款，其中批发零售业、租赁 商务服务业、建筑业、制造业合计占比66.6%。这些行业在2024年普遍面临需求收缩、利润下滑，导致 银行议价能力减弱。以制造业为例，该行对该行业的贷款余额同比增长24%，但不良率却飙升至 3.79%，不良余额增加1.56亿元。为维持规模扩张，银行不得不降低贷款定价，进一步压缩了收益空 间。 此外，负债成本的上升同样不容忽视。尽管宜宾银行2024年存款规模增长18.3%，但定期存款占比持续 攀升，推高付息成本。特别是五粮液集团及其上下游企业的存款占比达32.7%，这类大客户的议价能力 较强，导致银行在存款利率谈判中 ...

宜宾银行的最终发售价为2.59港元，所得款项总额为1,782.96百万港元，扣除基于最终发售价的估计应 付上市开支73.68百万港元，所得款项净额为1,709.28百万港元。 中国经济网北京4月10日讯 宜宾银行（02596.HK）4月8日晚间发布关于执行董事及行长辞任的公告。宜 宾银行董事会宣布，杨兴旺提出因个人身体原因，已向董事会送达辞呈，辞去宜宾银行执行董事、行 长、董事会风险管理委员会主席、战略与资产负债管理委员会委员及关联交易控制委员会委员职务。根 据相关法律法规和该行章程规定，杨兴旺的辞任自2025年4月8日生效。 杨兴旺的辞任距离该行在港股上市仅过去三个月。宜宾银行于2025年1月13日在港交所上市，最终发售 价为2.59港元，所得款项总额为1,782.96百万港元，扣除基于最终发售价的估计应付上市开支73.68百万 港元，所得款项净额为1,709.28百万港元。 截至2024年12月31日止年度业绩公告显示，2024年，宜宾银行录得总营业收入2,180.4百万元，同比增长 0.49%；净利润477.8百万元，同比增长0.08%；归属于该行股东的净利润513.4百万元，同比增长 9.58%。 此 ...

华夏时报（www.chinatimes.net.cn）记者 卢梦雪 见习记者 张萌 北京报道 4月8日晚间，宜宾市商业银行（02596.HK，下称"宜宾银行"）发布公告，该行执行董事、行长杨兴旺因个人身体 原因，已向董事会送达辞呈，辞去相关职务。 杨兴旺加入于宜宾银行成立之初，并于2021年12月正式就任行长一职。也正是在这一年年末，宜宾银行提出了"加 快建成西部领先千亿上市银行"的目标。 历经三次申请，宜宾银行于今年1月13日成功登陆港交所，实现了该行2025年上市的目标。上市后首份年报显示， 2024年该行营业收入和净利润分别微增0.5%和0.1%。此外，在净息差收窄47个基点至1.71%的背景下，宜宾银行 债券收益激增近30倍，成为其支撑整体业绩增长的关键。 4月9日，记者以投资者身份致电宜宾银行咨询杨兴旺辞任事宜，被告知"以公告为准，其他暂不方便透露"。 任期内宜宾银行实现上市 2006年12月底，宜宾银行正式注册成立，其前身为宜宾市城市信用社。 据公开资料显示，杨兴旺此前曾长期在宜宾市城市信用社任职，担任过出纳、会计、信贷员、主办会计、分社负 责人等多个职位。 2003年7月至2006年12月，杨兴 ...

4月8日，宜宾市商业银行（以下简称"宜宾银行"）公告，该行行长杨兴旺因个人身体原因辞任，自2025 年4月8日生效。 宜宾银行招股书显示，杨兴旺1974年出生，曾任宜宾市珙县巡场农村信用社分社负责人，宜宾市城市信 用社大观楼社副经理、工会主席、大顺社副经理。2006年12月加入宜宾银行，历任宜宾银行大顺支行行 长，隆昌兴隆村镇银行行长、董事，宜宾银行内江分行行长，内江兴隆村镇银行副董事长，2012年7月 至2013年10月任宜宾银行业务部总经理，2014年6月至2020年10月任副行长，于2020年10月至2021年12 月代为履职行长。此外，杨兴旺自2012年7月起任该行党委委员；自2016年7月起任董事；自2021年12月 起任行长。 3月31日，宜宾银行发布了2024年度业绩报告，为该行赴港交所上市以来首份"成绩单"。年报显示， 2024年，宜宾银行营收净利增速骤降。其总营业收入为21.804亿元，较2023年增长0.5%；净利润为 4.778亿元，同比增长0.1%。而该行2022年和2023年营业收入分别同比增长15.19%和16.22%，净利润分 别同比增长31.74%和10.38%。彼时宜宾银行在 ...

Financial Performance - Interest income for the year 2024 reached RMB 3,691.3 million, an increase of 3.6% from RMB 3,563.4 million in 2023[8] - Net interest income decreased to RMB 1,577.7 million in 2024, down 11.6% from RMB 1,785.6 million in 2023[8] - Net profit for 2024 was RMB 477.8 million, slightly up from RMB 477.4 million in 2023, indicating a stable performance[8] - The total operating income for 2024 was RMB 2,180.4 million, a 0.5% increase from RMB 2,169.8 million in 2023[17] - Net profit for 2024 reached RMB 477.8 million, up 0.1% from RMB 477.4 million in 2023[20] - The bank's basic earnings per share for 2024 was RMB 0.13, up from RMB 0.12 in 2023, reflecting a slight increase in profitability per share[8] - The total comprehensive income for 2024 was RMB 713,789 thousand, compared to RMB 627,048 thousand in 2023, an increase of 13.8%[178] Asset and Liability Management - Total assets increased to RMB 109,205.4 million in 2024, a growth of 16.9% compared to RMB 93,444.0 million in 2023[9] - Total liabilities as of December 31, 2024, amounted to RMB 99,233.1 million, compared to RMB 84,157.5 million as of December 31, 2023[72] - Customer deposits totaled RMB 84,517.9 million, representing an 18.3% increase year-on-year[17] - The total amount of customer loans and advances reached RMB 60,766.4 million, representing an 18.2% increase from RMB 51,391.5 million as of December 31, 2023[59] - The net amount of customer loans and advances accounted for 53.5% of the total assets, up 0.6 percentage points from the previous year[59] Risk Management - The non-performing loan ratio improved to 1.68% in 2024 from 1.76% in 2023, reflecting better asset quality[9] - Expected credit impairment losses decreased by 4.3% from RMB 928.6 million in 2023 to RMB 888.7 million in 2024, reflecting improved risk management assessments[54] - The bank has established a comprehensive risk management system to mitigate uncertainties affecting strategic and operational goals[125] - Credit risk management has been enhanced through optimized credit allocation structure and upgraded credit management systems[126] - The bank is actively promoting the disposal of non-performing loans through negotiations, judicial processes, and asset swaps[127] Operational Efficiency - The cost-to-income ratio improved to 32.06% in 2024 from 31.17% in 2023, suggesting better operational efficiency[9] - Operating expenses rose by 3.9% from RMB 698.2 million in 2023 to RMB 725.2 million in 2024, driven by increased general and administrative expenses[44] - Employee costs increased by 2.0% from RMB 396.3 million in 2023 to RMB 404.1 million in 2024, mainly due to higher social security contributions[50] Digital Transformation and Market Strategy - The bank plans to focus on enhancing its digital banking services and expanding its market presence in the Sichuan province[13] - The company focused on key customer segments and industries, enhancing customer acquisition capabilities through resource integration and product advantages[75] - The group is advancing its digital transformation strategy, launching various digital financial product platforms, including domestic electronic credit systems and digital RMB systems[124] Capital Adequacy - The bank's capital adequacy ratio stood at 13.86% in 2024, compared to 13.41% in 2023, indicating a stronger capital position[9] - The core tier 1 capital increased to RMB 9,878.7 million as of December 31, 2024, compared to RMB 9,158.5 million in 2023, reflecting a growth of 7.85%[159] - The net tier 1 capital amounted to RMB 9,616.7 million in 2024, compared to RMB 8,950.2 million in 2023, marking an increase of 7.43%[159] Dividend and Shareholder Information - The board of directors proposed a final cash dividend of RMB 0.05 per share, totaling RMB 229.42 million, subject to approval at the 2024 Annual General Meeting[165] - The final dividend is expected to be distributed by August 26, 2025, to shareholders listed on July 8, 2025[165] - The company will withhold a 10% corporate income tax on dividends paid to non-resident corporate shareholders[168] Customer Engagement and Services - The group has nearly 100,000 online banking customers and 211,900 mobile banking customers as of December 31, 2024[121] - The group has 446,829 subscribers to its WeChat public account, enhancing customer engagement and service accessibility[121] Compliance and Governance - The bank emphasizes compliance culture and regular training across all levels to strengthen risk management[134] - The company aims to enhance compliance risk management by establishing a comprehensive compliance risk management system to effectively identify, prevent, and manage compliance risks in 2024[142]