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]