智通财经7月14日电，银行股盘中再度走强，贵州银行涨超4%，民生银行涨超3%，浙商银行、华夏银 行、厦门银行、中信银行、西安银行、邮储银行等跟涨。 银行股再度走强 贵州银行涨超4% ...

Regulatory Dynamics - The Financial Regulatory Bureau and the People's Bank of China jointly released a five-year development plan for inclusive finance, emphasizing the need for a multi-level and diversified service system to enhance accessibility and reduce costs [1] - The audit report revealed that several banks were involved in concealing non-performing assets and illegal lending practices, with a total of over 50 billion yuan in non-performing assets being hidden [2] - Insurance companies are encouraged to establish a management system for inclusive insurance and to lower the cost rates of inclusive insurance products [3] Corporate Dynamics - The former chairman of Guizhou Bank, Li Zhimin, is on trial for corruption and illegal loan issuance amounting to over 304.62 million yuan, with the bank's total assets reaching 589.99 billion yuan by the end of 2024 [3] - The former chairman and president of Baian Life Insurance have reportedly gone missing amid investigations [4] - Suzhou Bank's largest shareholder, Guofazhong Group, completed a share buyback of 1.18 million shares for a total of 856 million yuan [8] - Xu Rubin's appointment as chairman of Guangdong Nanyue Bank has been approved, aiming to strengthen corporate governance [9] - 40.92% of Changcheng Huaxi Bank's shares are being publicly transferred for 4.332 billion yuan [10] - China Merchants Bank announced a dividend of 2 yuan per share to be distributed on July 30, 2025 [10] - China Construction Bank completed a private placement of 115.89 billion shares, raising 105 billion yuan to enhance its core capital [10] - Zhong An Online plans to issue new H-shares to raise approximately 3.924 billion Hong Kong dollars, with a share price set at 18.25 HKD [11] - Changyin Consumer Finance's 25% equity has been frozen by the court, affecting its second-largest shareholder [11]

Summary of Key Points Core Viewpoint - The Central Commission for Discipline Inspection and National Supervisory Commission reported a total of 19 individuals under investigation, 8 individuals facing disciplinary actions, and 69 cases of violations of the Central Eight Regulations during the week of April 28 to May 4, 2025 [1]. Investigation and Disciplinary Actions - Notable figures under investigation include Wang Jianjun, Vice Chairman of the China Securities Regulatory Commission, and several other officials from various provinces and organizations, indicating a widespread crackdown on corruption [2]. - Disciplinary actions included the expulsion from the Party of several high-ranking officials, such as Kong Fanbo, former General Manager of the Capital Planning Department of the Agricultural Development Bank of China, and Liu Xiaowei, former Deputy Director of Guangzhou Customs [3]. Violations of Central Eight Regulations - Multiple cases of violations were reported across different provinces, including: - In Guizhou, issues included accepting gifts that could influence official duties and improper entertainment [3]. - In Zhejiang, officials were found to have engaged in public fund misuse and accepting gifts [4][5]. - In Beijing, several officials were reported for accepting gifts and engaging in activities that could compromise their official duties [6][7]. Overall Trends - The ongoing investigations and disciplinary actions reflect a continued effort by the Chinese government to enforce regulations and combat corruption within various levels of government and state-owned enterprises [1][2][3].

Financial Performance - Operating income for 2024 was CNY 12.42 billion, a year-on-year increase of CNY 1.07 billion, or 9.46%[11] - Net profit for 2024 was CNY 3.78 billion, up CNY 0.13 billion, or 3.43% year-on-year[11] - Total operating income increased by 9.46% to RMB 12,417.66 million compared to RMB 11,344.69 million in the previous year[41] - Net profit for 2024 reached RMB 3,778.51 million, reflecting a growth of 3.43% compared to the previous year[71] - The bank's total assets impairment losses rose by 36.66% to RMB 4,542.83 million from RMB 3,324.10 million in 2023[41] - The company's operating expenses decreased to CNY 3.711 billion, a reduction of CNY 0.259 billion or 6.52% year-on-year[103] Asset and Loan Growth - As of the end of 2024, total assets reached CNY 589.99 billion, an increase of CNY 13.20 billion, or 2.29% from the beginning of the year[11] - Total loans amounted to CNY 347.09 billion, up CNY 15.14 billion, or 4.56% year-to-date[11] - Total deposits reached CNY 375.00 billion, increasing by CNY 18.76 billion, or 5.26% from the start of the year[11] - The balance of loans related to "new industrialization," "new urbanization," "agricultural modernization," and "tourism industrialization" reached CNY 228.687 billion, an increase of CNY 7.905 billion from the beginning of the year[27] - The balance of technology finance loans was CNY 8.071 billion, up CNY 3.095 billion from the beginning of the year, representing a growth rate of 62%[28] - The balance of inclusive small and micro enterprise loans was CNY 52.940 billion, serving 66,500 customers, with growth rates of 11.62% and 12.48% respectively[28] Client Growth - The number of corporate clients reached 115,900, a net increase of 7,000, or 6.38% from the beginning of the year[11] - The number of individual clients was 12.17 million, with a net increase of 489,500, or 4.19% year-to-date[11] - The number of inclusive small and micro enterprise customers increased to 66,500, up by 12.48%[15] - Monthly active users of mobile banking reached 953,200, an increase of 167,300 or 21.29% from the beginning of the year[53] Asset Quality and Risk Management - The non-performing loan ratio stood at 1.72%, with a provision coverage ratio of 315.98%, indicating a stable asset quality[11] - Non-performing loan ratio increased to 1.72% in 2024 from 1.68% in 2023, indicating a slight deterioration in asset quality[43] - The bank's credit risk management framework has been enhanced, focusing on high-quality development and maintaining asset quality stability[153] - The bank's trading book maintained profitability despite increased volatility in market risk indicators such as Value at Risk (VaR)[155] Digital Transformation and Technology - The bank has implemented advanced technologies such as cloud computing and artificial intelligence, achieving a full private cloud deployment for its core transaction system[38] - The company has established a digital financial model driven by data elements and digital technology, enhancing product experience and risk control measures[184] - The company has implemented smart upgrades in 211 branches, achieving a business substitution rate of 81.38%[70] Community and Social Responsibility - The company donated a total of RMB 2.56 million during the reporting period to support rural revitalization and education for impoverished students[192] - The company conducted 3,967 consumer education activities during the reporting period, reaching 2,202,100 consumers[191] - The company organized over 1,100 volunteers to support students during the college entrance examination period[192] Compliance and Risk Management - The bank has established a comprehensive compliance risk management mechanism to effectively identify, assess, and prevent compliance risks, ensuring legal and regulatory compliance in operations[166] - The company has strengthened its legal risk management by implementing strict legal review processes and enhancing employee legal awareness through training[165] - The company has established a robust anti-money laundering management structure, integrating it into its overall risk management framework[161] Market Position and Recognition - The bank's ranking in the 2024 Global Banking 1000 list was 252, and it ranked 46th in the 2024 China Banking 100 list[37] - The bank's core Tier 1 capital adequacy ratio improved to 12.24% in 2024, up from 11.25% in 2023[43]

Core Viewpoint - The event focused on customized tax services aimed at addressing the personalized needs of taxpayers, enhancing the implementation of tax policies for businesses [3][5]. Group 1: Customized Tax Services - The "customized tax service" initiative was launched by the Guizhou Provincial Taxation Bureau to provide tailored tax support for businesses of different sizes and industries through measures like "one policy for one household," "intelligent matching," and "expert consultations" [3]. - The initiative aims to convert policy benefits into development momentum for enterprises, assisting them in overcoming difficulties and facilitating transformation and upgrades [3][5]. Group 2: Event Details - The event included lectures and face-to-face discussions, where tax professionals from the Guizhou Provincial Taxation Bureau explained high-interest topics such as supplementary medical insurance tax policies and personal income tax deductions [3]. - Over 60 staff members from Guizhou Bank's headquarters and Guiyang branch participated in the event, indicating strong engagement from the banking sector [3]. Group 3: Impact and Future Plans - Since the beginning of 2024, the customized tax service has helped over 100 large enterprises resolve issues related to mergers, reorganizations, and cross-regional tax disputes [5]. - The Guizhou Provincial Taxation Bureau plans to continue a series of thematic promotional activities centered on "Taxation, Rule of Law, and Fairness" to support compliant business operations and facilitate faster development for business entities [5].

Core Viewpoint - Micro and small enterprises are crucial for economic development, job creation, and market vitality, and Guizhou Bank aims to enhance its inclusive finance services to support these businesses effectively [1][4]. Group 1: Financial Support for Small Enterprises - Guizhou Bank has set a goal of "expanding coverage, improving quality, and increasing efficiency" in its inclusive finance strategy, focusing on credit provision, digital empowerment, and compliance [1]. - As of December 31, 2024, the bank's inclusive loans for small enterprises reached 52.94 billion yuan, an increase of 5.51 billion yuan from the beginning of the year, representing an 11.62% growth [1]. - The bank's "1+2+7" service model for small enterprises ensures a one-day response, two days to formulate a plan, and seven days for loan approval, facilitating timely financial support [3]. Group 2: Case Studies of Successful Financing - The case of Qianbang Cable illustrates the bank's impact, where a 10 million yuan loan enabled the company to pay for raw materials, leading to a sales revenue of 20.48 million yuan within two months of production [2]. - Hu Yongtao, a recent graduate, received 5 million yuan in credit from Guizhou Bank to support his cattle farming venture, demonstrating the bank's role in facilitating entrepreneurship [6]. Group 3: Digital Transformation and Product Innovation - Guizhou Bank has developed an intelligent micro-loan platform utilizing advanced technologies like facial recognition and big data analysis to enhance its loan products, such as "Yanshang Loan" for tobacco retailers [7]. - The bank's online loan products have significantly improved convenience for small business owners, as evidenced by a customer who quickly secured a 100,000 yuan loan through the "Yanshang Loan" [7]. Group 4: Grid Service Model - The bank employs a "grid service" model to provide tailored financial services to micro and small enterprises, ensuring that financial support reaches a wider audience [9]. - This model has been well-received, with clients reporting satisfaction with the bank's ability to meet their financial needs and provide additional services like payment solutions [9]. Group 5: Future Commitment - Guizhou Bank plans to continue enhancing its support for small enterprises by adopting a proactive approach, simplifying processes, and focusing on customer service to ensure high-quality development [10].

Financial Performance - Guizhou Bank reported its annual performance for the year ending December 31, 2024, in compliance with the Hong Kong Stock Exchange listing rules[2]. - The board of directors confirmed the annual performance, emphasizing high-quality development and coordinated growth in scale, structure, quality, efficiency, and safety[12]. - Total assets reached CNY 589.99 billion by the end of 2024, an increase of CNY 13.20 billion, or 2.29% from the beginning of the year[13]. - Total loans amounted to CNY 347.09 billion, up CNY 15.14 billion, or 4.56% year-to-date[13]. - Total deposits increased to CNY 375.00 billion, reflecting a growth of CNY 18.76 billion, or 5.26% from the start of the year[13]. - Operating revenue for 2024 was CNY 12.42 billion, a year-on-year increase of CNY 1.07 billion, or 9.46%[13]. - Net profit reached CNY 3.78 billion, up CNY 0.13 billion, or 3.43% year-on-year[13]. - Non-performing loan ratio stood at 1.72% with a provision coverage ratio of 315.98% by the end of 2024[13]. Client Growth - The number of corporate clients increased to 115,900, a net increase of 7,000, or 6.38% from the beginning of the year[13]. - The number of individual clients reached 12.17 million, with a net increase of 489,500, or 4.19% year-to-date[13]. - The number of corporate clients reached 115,900, accounting for 9.89% of the province's enterprises[31]. - The monthly active users of mobile banking peaked over one million, with an average of 953,200 active users, an increase of 167,300 users or 21.29% year-to-date[55]. Strategic Focus and Initiatives - The bank's strategic focus includes enhancing user data management and expanding market presence through new products and technologies[12]. - The bank aims to align its operations with the "Four New" and "Four Modernizations" strategies to drive growth and innovation[8]. - The company aims to enhance risk management and service quality while focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance[33]. - The bank aims to enhance its digital transformation and support for technology enterprises, green finance, and inclusive finance as part of its strategic initiatives[49]. Risk Management - The company has established a comprehensive risk management system covering all risk categories, enhancing risk quantification capabilities[57]. - The bank's credit risk management framework includes a "three lines of defense" model, enhancing the identification, monitoring, and management of credit risks[155]. - The bank's liquidity risk management preference remains "prudent, compliant, and cautious," ensuring a reasonable liquidity level[176]. - The bank's liquidity coverage ratio stands at 271.91%, with qualified liquid assets amounting to RMB 54.346 billion, and a net cash outflow of RMB 19.987 billion over the next 30 days[179]. Technology and Digital Transformation - The company has implemented a full private cloud deployment of its core transaction system, leading in financial technology applications[40]. - The bank's business intelligence (BI) platform usage increased to over 266,800 times, a growth of 157.7% year-on-year, enhancing data-driven decision-making efficiency[188]. - The bank established a comprehensive digital financial implementation plan for 2024-2026, outlining strategic directions for digital finance development[189]. - The bank's production system availability exceeded 99.99%, demonstrating significant improvements in disaster recovery capabilities[184]. Social Responsibility and Community Engagement - A total of 256 million RMB was donated for social responsibility initiatives, including support for rural revitalization and education for impoverished students[194]. - The company conducted 3,967 consumer rights protection activities, reaching 2.2021 million consumers, with a complaint resolution satisfaction rate of 84.37%[193]. - The cumulative invoicing for the tea industry surpassed 1.25 billion yuan, showcasing the successful implementation of digital financial services[187]. Shareholder Information - As of December 31, 2024, the total share capital amounted to 14,588,046,744 shares, with domestic shares accounting for 84.92% and H shares for 15.08%[197][198]. - The top shareholder of the company is the Guizhou Provincial Finance Department, holding 2,917,500,000 shares, which accounts for 20.00% of the total issued share capital[200].

Core Insights - Guizhou Bank demonstrates strong operational resilience and growth potential, with total assets reaching CNY 589.99 billion and a 9.46% year-on-year increase in operating income to CNY 12.42 billion [1][2] - The bank's net profit attributable to shareholders increased by 3.43% to CNY 3.78 billion, reflecting solid financial performance [1][2] Financial Performance - Total assets grew by 2.29% compared to the beginning of the year, with total loans increasing by 4.56% to CNY 347.08 billion, representing 58.83% of total assets [2] - Deposits reached CNY 375.00 billion, up 5.26%, enhancing the stability of the bank's liabilities [2] - The bank's net interest margin and net interest spread remained high at 1.77% and 1.81%, respectively, indicating strong profitability [2] Asset Quality - Non-performing loan ratio remained stable at 1.72%, with a provision coverage ratio rising to 316%, an increase of 28.27 percentage points [4] - Key capital adequacy ratios improved, with the core Tier 1 capital ratio at 12.24%, Tier 1 capital ratio at 13.16%, and total capital ratio at 14.30% [4] Customer Base and Technological Empowerment - The bank's corporate client base exceeded 115,900, while individual clients surpassed 12.16 million, indicating a broadening service reach [6] - Digital banking engagement saw mobile banking monthly active users peak over one million, showcasing the bank's leadership in transaction processing capabilities [6] Support for Local Economy - Guizhou Bank's financing balance for the real economy reached CNY 230.48 billion, growing by 12.65% year-on-year, supporting local economic development [7] - The bank provided CNY 70.98 billion in loans for the "Four Modernizations" (new industrialization, urbanization, agricultural modernization, and tourism industrialization) [7] Rural Revitalization Efforts - The bank extended its services to 88 counties, establishing over 2,000 agricultural service points, with agricultural loans reaching CNY 107.50 billion [8] - Innovative financial products like "Tea Green Loan" and "Medicine Procurement Loan" were launched, with CNY 16.50 billion in agricultural modernization loans issued [8] Innovation and High-Quality Development - Guizhou Bank is committed to high-quality development, aligning with national strategies and regional needs, focusing on five major financial areas [9] - The bank's technology-driven financial services for innovative enterprises resulted in a 62.2% increase in technology finance loans to CNY 8.07 billion [10] Green and Inclusive Finance - The bank's green finance initiatives led to a 10.85% increase in green credit balance to CNY 57.86 billion, supporting energy-saving and ecological restoration projects [10] - Inclusive finance efforts resulted in a 11.62% growth in micro-enterprise loans to CNY 52.94 billion, with a 12.48% increase in micro-enterprise clients [11] Future Outlook - Guizhou Bank aims to continue exploring new paths for financial innovation while contributing to the high-quality development of Guizhou Province [12]

Annual Performance Overview - Guizhou Bank reported its annual performance for the year ending December 31, 2024, in compliance with the Hong Kong Stock Exchange listing rules[2]. - The board of directors confirmed the annual performance, emphasizing high-quality development and coordinated growth in scale, structure, quality, efficiency, and safety[12]. - The annual report will be uploaded to the bank's website and the Hong Kong Stock Exchange website in due course[2]. - Total assets reached CNY 589.99 billion by the end of 2024, an increase of CNY 13.20 billion, or 2.29% from the beginning of the year[13]. - Total loans amounted to CNY 347.09 billion, up CNY 15.14 billion, or 4.56% year-to-date[13]. - Total deposits increased to CNY 375.00 billion, reflecting a growth of CNY 18.76 billion, or 5.26% from the start of the year[13]. - Operating revenue for 2024 was CNY 12.42 billion, a year-on-year increase of CNY 1.07 billion, or 9.46%[13]. - Net profit reached CNY 3.78 billion, up CNY 0.13 billion, or 3.43% year-on-year[13]. Financial Health Indicators - The bank's financial indicators and accounting data will be summarized in the annual report, providing insights into its financial health[4]. - Non-performing loan ratio stood at 1.72% with a provision coverage ratio of 315.98% by the end of 2024[13]. - The number of corporate clients increased to 115,900, a net increase of 7,000, or 6.38% from the beginning of the year[13]. - The number of individual clients reached 12.17 million, with a net increase of 489,500, or 4.19% year-to-date[13]. - Total liabilities increased to CNY 537.68 billion, up CNY 9.31 billion or 1.76% from the start of the year[51]. - The total equity to total assets ratio was 8.87%, an increase from 8.39% in 2023[45]. Strategic Initiatives and Growth - The bank aims to enhance its market position through strategic initiatives aligned with national financial policies[12]. - The bank is focused on achieving sustainable growth while navigating regulatory challenges in the financial sector[12]. - The bank's operational framework is guided by the principles of the new era of socialism with Chinese characteristics[12]. - The company aims to enhance risk management and service quality while focusing on technology finance, green finance, inclusive finance, pension finance, and digital finance[33]. - The company has established a modern financial service matrix across 88 counties, with over 2,000 rural service points[40]. Technology and Digital Transformation - The company has implemented a full private cloud deployment of its core transaction system, leading the industry in distributed architecture transformation[40]. - The bank's electronic channel transactions accounted for 99.32% of total transactions, completing 716 million transactions, a year-on-year growth of 17.02%[72]. - The bank's BI platform usage increased to over 266,800 times, a growth of 157.7% year-on-year, enhancing data-driven decision-making efficiency[188]. - The bank's digital financial development plan outlines strategic directions and measures for 2024 to 2026, ensuring targeted growth[189]. Risk Management and Compliance - The bank's credit risk management framework includes a "three lines of defense" model, enhancing the identification, monitoring, and management of credit risks[155]. - The bank has continuously improved its internal control system and enhanced anti-money laundering technology, leading to effective monitoring and reporting of suspicious transactions[164]. - The bank's liquidity coverage ratio stands at 271.91%, with qualified liquid assets amounting to RMB 54.346 billion, and a net cash outflow of RMB 19.987 billion over the next 30 days[179]. - The bank's liquidity risk management preference remains "prudent, compliant, and cautious," ensuring a reasonable liquidity level[176]. Community Engagement and Social Responsibility - The company donated a total of CNY 2.56 million during the reporting period, supporting rural revitalization and various public welfare activities[194]. - The company conducted 3,967 consumer education events, reaching 2.2021 million participants, while complaints decreased by 87 cases, a reduction of 8.02%, with a resolution satisfaction rate of 84.37%[193]. Shareholder Information - The total share capital as of December 31, 2024, was 14,588,046,744 shares, with domestic shares accounting for 84.92% and H shares for 15.08%[197]. - The top shareholder of the company is the Guizhou Provincial Finance Department, holding 2,917,500,000 shares, which accounts for 20.00% of the total issued share capital[200].

财联社11月19日讯（记者 彭科峰） 落马已久的贵州银行上市功臣李志明有了新消息！ 11月18日，正义网发布消息，从最高人民检察院获悉，贵州银行原党委书记、董事长李志明（正厅级） 涉嫌受贿罪、违法发放贷款罪一案，经贵州省人民检察院指定管辖，由六盘水市人民检察院依法向六盘 水市中级人民法院提起公诉。检方指出，应以受贿罪、违法发放贷款罪追究李志明的刑事责任。 60后董事长李志明被指违法放贷 在任期间贵州银行在港上市 昨日，正义网披露了李志明的最新消息。据介绍，贵州当地的检察机关在审查起诉阶段，依法告知了李 志明享有的诉讼权利，并依法讯问了被告人，听取了辩护人的意见。六盘水市人民检察院起诉指控：李 志明利用担任湖北银行副行长，贵州银行党委书记、董事长等职务上的便利，为他人谋取利益，非法收 受他人财物，数额特别巨大；违反国家规定发放贷款，数额特别巨大，依法应当以受贿罪、违法发放贷 款罪追究其刑事责任。 公开信息显示，李志明出生于1961年，曾在中国农业银行、深圳发展银行、湖北银行、贵州银行工作多 年。2017年12月，李志明加入贵州银行，担任党委书记候选人、董事长候选人。2018年4月，李志明担 任贵州银行党委书记、 ...