Group 1 - The banking sector has seen 9 stocks reach historical highs this month, including major state-owned banks like ICBC, ABC, and CCB, with significant year-to-date gains [2][4] - The banking sector index rose by 1.16% on April 24, outperforming the market, with notable increases in stock prices for major banks [2][3] - The overall performance of the banking sector improved significantly in Q4 of the previous year, with 33 out of 36 banks reporting year-on-year profit growth [4][5] Group 2 - The total cash dividends announced by banks for 2024 have reached a record high of 6,161.26 billion yuan, surpassing the previous year's total [6][7] - Major banks like ICBC, CCB, and ABC have declared dividends exceeding 500 billion yuan, contributing to the sector's reputation for high dividends [6][7] - Ningbo Bank reported the highest year-on-year increase in dividends at 50%, indicating a strong commitment to shareholder returns [7]

文 ｜ 肖斐斐 胡家俊 彭博 林楠 李鑫 已披露经营情况的6家银行情况看，一季度财务指标和资产质量总体稳健。此外，上周银行板块表 现乐观，核心驱动要素在于市场波动率加大背景下，银行板块受益于其稳定回报和股指权重的两大 优势。展望未来，短期看中美贸易摩擦对市场预期仍有影响，在此背景下低波板块具有配置价值 中期看，在宏观"审慎"和"走弱"的两种假设情形下，银行板块相对于大部分行业而言，基本面具备 相对稳健特征，相对价值显著，建议积极增配。 ▍ 事项： 截至2 0 2 5年4月2 0日，6家上市银行（包含1家大行，3家股份行及2家农商行）已披露2 0 2 5年一季 度业绩或经营情况。 ▍ 一季报汇总：整体稳健，分化延续。 已有6家银行披露业绩或经营预告，整体来看，银行扩表 策略积极，收入增长分化，资产质量稳定。 ▍ 投资观点：关注板块防御属性与确定性价值。 已披露经营情况的6家银行情况看，一季度财务指标和资产质量总体稳健。此外，上周银行板块 表现乐观，核心驱动要素在于市场波动率加大背景下，银行板块受益于其稳定回报和股指权重的 两大优势。展望未来，短期看中美贸易摩擦对市场预期仍有影响，在此背景下低波板块具有配置 价值 ...

| 城商行 | 营业收入(亿) | 同比(%) | 归母净利润(亿) | 同比(%) | | --- | --- | --- | --- | --- | | 江苏银行 | 808.2 | 8.8 | 318.4 | 10.8 | | 宁波银行 | 666.3 | 8.2 | 271.3 | 6.2 | | 下通银行 | 529.9 | 4.8 | 235.6 | 4.5 | | 南京银行 | 502.7 | 11.3 | 201.8 | 9.1 | | 杭州银行 | 383.8 | 9.6 | 169.8 | 18.1 | | 长沙银行 | 259.4 | 4.6 | 79.8 | 6.9 | | 成都银行 | 229.8 | 5.9 | 128.6 | 10.2 | | 重庆银行 | 136.8 | 3.5 | 51.2 | 3.8 | | 城商行 | 资产总计(亿) | 同比 | 不良率(%) | 同比(自分点) | 拔音漫盖率(% | 同比(百分点) | | --- | --- | --- | --- | --- | --- | --- | | 江苏银行 | 39518.1 | 16.1% | 0.89 ...

4月16日，渝农商行发布公告称，经董事会审议通过，提名新任党委书记刘小军为执行董事候选人，并 选举刘小军为董事长。 资料显示，渝农商行前身为重庆市农村信用社，成立于1995年。截止2024年末，渝农商行总资产规模为 1.51万亿元，同比增加738.60亿元；存款余额9419.46亿元，同比增加457.44亿元；贷款余额7142.73亿 元，同比增加375.62亿元；不良贷款率为1.18%，拨备覆盖率为363.44%。 简历信息显示，刘小军拥有国有大行、信托公司等金融机构任职经验，2002年毕业后，他便入职建设银 行总行；2006年，又加入中信信托，先后担任业务部门高级经理、副总经理等职。去年年初，被任命为 重庆发展投资公司党委书记、董事长。 业绩方面，2024年渝农商行实现营业收入282.62亿元，同比增长1.09%；归母净利润115.13亿元，同比 增长5.6%，基本每股收益0.99元。 最新季报显示，截止2025年3月末，渝农商行实现营业收入72.2亿元，同比增加1亿元，增幅1.4%；归母 净利润37.5亿元，同比增加2.2亿元，增幅6.3%。不良贷款率为1.17%，较上年末下降0.01个百分点；拨 备覆 ...

Core Viewpoint - Chongqing Rural Commercial Bank, also known as YNong Bank, has appointed Liu Xiaojun as the new chairman after a six-month vacancy in the position, marking a significant leadership change for the bank [2][3]. Management Changes - Liu Xiaojun was elected as the executive director and chairman during the fifth board meeting on April 16, 2024, and his appointment is subject to approval from regulatory authorities [3]. - Liu Xiaojun has a strong educational background with a bachelor's degree from Xiamen University and a master's degree from Fudan University, along with extensive experience in banking and trust industries [3][4]. - Prior to joining YNong Bank, Liu served as the chairman of Chongqing Development Investment Company, indicating a strategic move within the local financial sector [4]. Financial Performance - In 2024, YNong Bank reported a revenue of 28.262 billion yuan, a year-on-year increase of 1.09%, and a net profit of 11.5127 billion yuan, up 5.60% from the previous year [5]. - The bank's non-interest income surged by nearly 30%, with investment income rising from 2.169 billion yuan in 2023 to 4.199 billion yuan, reflecting a 93.56% increase [5]. - As of the first quarter of 2025, YNong Bank achieved a revenue of 7.224 billion yuan, a 1.35% increase year-on-year, and a net profit of 3.817 billion yuan, up 4.24% [5]. Asset and Liability Overview - As of March 31, 2025, YNong Bank's total assets reached 1.61 trillion yuan, an increase of 95.388 billion yuan or 6.30% from the previous year [6]. - The total liabilities amounted to 1.474964 trillion yuan, reflecting a 6.78% increase [6]. - The bank maintained a non-performing loan ratio of 1.17%, a slight decrease from the previous year, and a provision coverage ratio of 363.30% [6]. Real Estate Sector Performance - Notably, YNong Bank reported zero non-performing loans in the real estate sector for 2024, a rare achievement in the industry [7]. - The bank clarified that a high amount of non-performing loans in the real estate sector in 2023 was due to a single asset, which has since been resolved [7]. - Future credit investments in the real estate sector will focus on major strategic projects in Chongqing, with decisions based on market assessments [7].

Core Viewpoint - Chongqing Rural Commercial Bank (渝农商行) has appointed Liu Xiaojun as the new chairman, marking the second leadership change since its A-share listing in 2019, following a six-month vacancy in the position [1][2]. Group 1: Leadership Change - Liu Xiaojun has been elected as the chairman of Chongqing Rural Commercial Bank, pending approval from the shareholders' meeting and regulatory authorities [1]. - This is the second time the bank has changed its chairman since its A-share listing, with the previous chairman, Liu Jianzhong, resigning in April 2022 due to age [1][2]. Group 2: Company Performance - As of the end of Q1 2025, Chongqing Rural Commercial Bank reported a revenue of 7.224 billion yuan, a year-on-year increase of 1.35%, and a net profit of 3.745 billion yuan, up 6.27% [3]. - The bank's total assets exceeded 16.1 trillion yuan, an increase of 953.88 billion yuan (6.30%) from the previous year, while total liabilities rose to 14.7 trillion yuan, up 936.31 billion yuan (6.78%) [3]. - The non-performing loan ratio stood at 1.17%, a slight decrease of 0.01 percentage points from the previous year, with a provision coverage ratio of 363.30%, remaining stable [3]. Group 3: Financial Metrics - In 2024, the bank achieved a total revenue of 28.262 billion yuan, reflecting a 1.09% year-on-year growth, and a net profit of 11.513 billion yuan, which is a 5.6% increase [3]. - The net interest income for 2024 was 22.495 billion yuan, down 4.25% year-on-year, with a net interest margin of 1.51%, a decrease of 13 basis points [3]. - Non-interest income for 2024 was 5.767 billion yuan, a significant increase of 29.23%, accounting for 20.41% of total revenue, up 4.45 percentage points [3][4]. Group 4: Investment Performance - The bank's net income from fees and commissions in 2024 was 1.612 billion yuan, a decrease of 10%, while other non-interest income rose to 4.155 billion yuan, an increase of 55.53% [4]. - Investment income and net gains from fair value changes reached 3.848 billion yuan, an increase of 16.35% year-on-year, attributed to effective investment portfolio management and market opportunities [4].

4月16日，重庆农村商业银行股份有限公司（简称"渝农商行"）(601077.SH)发布公告称，该行召开第五届董事会第五十五次会 议，审议通过《关于选举刘小军为重庆农村商业银行股份有限公司董事长的议案》。刘小军的董事长任职资格自该行股东大会 审议通过其担任该行执行董事且获国家金融监督管理总局重庆监管局核准之日起生效，至本届董事会任期届满为止。 本文系观察者网独家稿件，未经授权，不得转载。 公开资料显示，刘小军早期在建设银行和中信信托担任多个管理职位，积累了丰富的金融和企业治理经验。在中信信托，他历 任高级经理、副总经理至业务总监等职，对信托业务有深刻理解。此外，他还担任过中国宏桥集团非执行董事，这些经历使他 在渝农商行工作时能更好地理解企业客户需求，提供切实可行的金融解决方案，推动金融与实体经济的紧密结合。 在刘小军接任之前，渝农商行的掌舵者是谢文辉 。谢文辉于 2024 年 10 月 16 日因工作调动辞去渝农商行董事长等一系列职 务，之后履新该行第一大股东实际控股企业 —— 重庆渝富控股集团党委书记、董事长一职。 渝农商行作为一家扎根于重庆的农村商业银行，近年来在农村金融领域发挥了重要作用。其业务涵盖了零售 ...

Core Viewpoint - The Chongqing Rural Commercial Bank has appointed Liu Xiaojun as the new chairman, following the departure of the previous chairman due to a job transfer. This leadership change is expected to continue the bank's growth trajectory in terms of both scale and profitability. Group 1: Leadership Change - Liu Xiaojun has been nominated as the executive director candidate and elected as the chairman of Chongqing Rural Commercial Bank, pending approval from the shareholders' meeting and regulatory authorities [1][2] - Liu Xiaojun, born in December 1976, has a background in various financial institutions, including China Construction Bank and CITIC Trust, and was previously the chairman of Chongqing Development Investment Company [2][3] Group 2: Financial Performance - As of the end of Q1 2025, Chongqing Rural Commercial Bank's total assets exceeded 1.6 trillion yuan, reaching 16,103.30 billion yuan, with a year-to-date increase of 953.88 billion yuan, representing a growth rate of 6.30% [5][6] - For Q1 2025, the bank reported an operating income of 72.24 billion yuan, a year-on-year increase of 1.35%, and a net profit attributable to shareholders of 37.45 billion yuan, up 6.27% year-on-year [6][7] - The bank's non-performing loan ratio stood at 1.17%, a slight decrease of 0.01 percentage points from the beginning of the year, while the provision coverage ratio remained stable at 363.30% [6][7] Group 3: Historical Context - The previous chairman, Xie Wenhui, resigned in October 2024 due to a job transfer, and until Liu Xiaojun's qualifications are approved, the current executive director and president, Sui Jun, will act as the chairman [4]

证券代码：601077 证券简称：渝农商行 公告编号：2025-015 重庆农村商业银行股份有限公司 第五届董事会第五十五次会议决议公告 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或 者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 重庆农村商业银行股份有限公司（以下简称"本行"）第五届董事会第五十 五次会议于 2025 年 4 月 16 日在本行总行 401 会议室以现场方式召开。本行已于 2025 年 4 月 15 日以电子邮件形式发出会议通知和材料。本次会议应出席董事 8 名，实际出席董事 8 名（其中，现场出席董事 1 名，董事胡淳女士、殷祥林先生、 彭玉龙先生、张桥云先生、李明豪先生、李嘉明先生、毕茜女士以通讯方式参会）。 本行股东上海豫园旅游商城（集团）股份有限公司质押本行股权比例超过 50%， 根据监管规定对其提名的彭玉龙董事在董事会上的表决权进行了限制。会议的召 开符合法律、法规、规章和本行章程的有关规定。 本次会议由执行董事隋军先生主持。本次会议审议通过了以下议案： 一、《关于提名刘小军先生为重庆农村商业银行股份有限公司执行董事候选 人的议案》 表决情况：有 ...

金融界4月15日消息，A股三大指数收盘涨跌不一，上证380指数 (上证380，000009)下跌0.25%，报 5304.0点，成交额885.91亿元。 数据统计显示，上证380指数近一个月下跌6.15%，近三个月上涨1.25%，年至今下跌1.15%。 据了解，上证380指数以上证180指数样本空间剔除部分证券后的沪市证券为样本空间，从中根据证券营 业收入增长率、净资产收益率、成交金额和总市值的综合排名，并按照二级行业的自由流通市值比例分 配样本只数，在二级行业内选取综合排名最靠前的380只证券作为样本。该指数以2003年12月31日为基 日，以1000.0点为基点。 从指数持仓来看，上证380指数十大权重分别为：沪农商行（1.28%）、赤峰黄金（1.21%）、成都银行 （1.14%）、渝农商行（1.02%）、宇通客车（0.94%）、瑞芯微（0.87%）、亨通光电（0.8%）、中国 软件（0.78%）、生益科技（0.74%）、宏发股份（0.72%）。 从上证380指数持仓的市场板块来看，上海证券交易所占比100.00%。 从上证380指数持仓样本的行业来看，工业占比26.66%、信息技术占比14.56%、原材 ...