Core Viewpoint - The A-share market has seen a broad increase in bank stocks, with notable gains from several banks, including Jiangsu Bank and Postal Savings Bank reaching a historical high [1] Group 1: Stock Performance - Jiangsu Bank increased by 2.61%, with a total market value of 209.2 billion and a year-to-date increase of 21.94% [2] - Hangzhou Bank rose by 2.32%, with a market capitalization of 118.5 billion and a year-to-date increase of 13.76% [2] - Jiangyin Bank saw a 2.04% increase, with a market value of 12.3 billion and a year-to-date increase of 20.15% [2] - Chongqing Rural Commercial Bank increased by 2.00%, with a market capitalization of 75.2 billion and a year-to-date increase of 14.69% [2] - China Bank rose by 1.98%, with a total market value of 1,826.9 billion and a year-to-date increase of 7.50% [2] - Chengdu Bank increased by 1.88%, with a market value of 78.3 billion and a year-to-date increase of 13.12% [2] - Xiamen Bank saw a 1.49% increase, with a market capitalization of 18 billion and a year-to-date increase of 23.97% [2] - Qingnong Commercial Bank increased by 1.45%, with a market value of 19.4 billion and a year-to-date increase of 18.81% [2] - Xi'an Bank rose by 1.30%, with a market capitalization of 17.3 billion and a year-to-date increase of 10.36% [2] - Changsha Bank increased by 1.22%, with a market value of 39.9 billion and a year-to-date increase of 16.42% [2] - Chongqing Bank saw a 1.11% increase, with a market capitalization of 34.7 billion and a year-to-date increase of 12.10% [2] - Changshu Bank increased by 1.06%, with a market value of 25.4 billion and a year-to-date increase of 14.67% [2]

Core Viewpoint - The leading city commercial banks, known for their rapid growth, are experiencing a significant slowdown in performance, with many reporting declines in revenue growth compared to previous years [1][2][4]. Group 1: Performance Trends - From 2019 to 2024, six out of the seven fastest-growing listed banks are city commercial banks, but in the first quarter of this year, these banks saw a year-on-year growth rate decline of 3.6 percentage points, the largest drop among listed banks [1][2]. - Notable city commercial banks such as Chengdu Bank, Jiangsu Bank, Hangzhou Bank, and Changsha Bank have all shown significant declines in growth rates, with Hangzhou Bank's revenue growth dropping to 2.2% compared to a five-year compound growth rate of 12.4% [1][4]. Group 2: Compliance and Regulatory Challenges - City commercial banks face increasing compliance pressures, with stricter financial regulations leading to penalties for issues like imprudent credit management and data falsification, which are critical for their sustainable development [2][7]. - The need for these banks to enhance their internal control systems and compliance management capabilities is becoming a key issue for their stable growth [7][22]. Group 3: Economic and Market Factors - The decline in infrastructure investment, which has historically supported the growth of city commercial banks, is becoming a concern as local economic structures adjust and upgrade [8][12]. - City commercial banks are exploring new paths in digital finance and green finance to align with urban development and economic transformation [11][13]. Group 4: Asset Quality and Risk Management - The rising risk levels in city commercial banks are evident, with many reporting non-performing loan generation rates above 0.74%, exceeding the average for listed banks [16][18]. - The shift towards higher-risk retail and small business loans has increased the vulnerability of these banks during economic downturns, necessitating a more cautious approach to expansion [21][22]. Group 5: Future Strategies - To thrive in a competitive environment, city commercial banks must balance their roles in supporting the real economy while adapting to market transformations [22][23]. - Strengthening partnerships with government and enterprises, along with enhancing risk control and technological capabilities, is essential for achieving sustainable development [23].

Core Viewpoint - The article provides a comparative analysis of Hunan Bank and Changsha Bank, highlighting their differences in ownership structure, financial performance, and operational scale. Group 1: Background and Ownership - Hunan Bank was established in 2010 from the merger of several banks and credit cooperatives, with Hunan Financial Holdings becoming the largest shareholder after a series of ownership changes [3][4]. - Changsha Bank originated from 14 urban credit cooperatives in 1997 and has undergone several name changes, with the Changsha Municipal Finance Bureau being its largest shareholder [5][6]. Group 2: Capital Market Presence - Hunan Bank has not yet entered the capital market and remains unlisted [8]. - In contrast, Changsha Bank was listed on the Shanghai Stock Exchange in 2018, with the stock code 601577.SH [9]. Group 3: Operational Scope - Hunan Bank operates exclusively within Hunan Province, with 224 branches as of the end of 2024 [10]. - Changsha Bank has a broader operational footprint, with 411 branches, including one in Guangzhou, while generating 65.76% of its revenue from Changsha [10][11]. Group 4: Financial Performance - As of 2024, Hunan Bank's total assets were 565.34 billion, while Changsha Bank's total assets exceeded 1 trillion, indicating a significant scale difference [14]. - Changsha Bank's operating income was 259.36 billion, compared to Hunan Bank's 114.02 billion, with net profit figures showing a similar disparity [14]. - Hunan Bank's net interest margin was 1.63%, significantly lower than Changsha Bank's 2.11% [16][26]. Group 5: Asset Quality - Changsha Bank consistently maintains a lower non-performing loan (NPL) ratio, recorded at 1.17% in 2024, compared to Hunan Bank's 1.65% [16][28]. - The provision coverage ratio for Changsha Bank was 312.80%, indicating stronger asset quality management compared to Hunan Bank's 176.19% [14][33]. Group 6: Employee Compensation - In 2024, Changsha Bank's total employee compensation was 4.327 billion, significantly higher than Hunan Bank's 1.816 billion, reflecting a more competitive salary structure [37]. - The average salary for employees at Changsha Bank was 442,500, compared to Hunan Bank's 369,800 [37]. Group 7: Long-term Trends - Over the past decade, Changsha Bank's total assets have consistently outpaced Hunan Bank's, with the asset ratio increasing from 1.35 times to 2.03 times [17]. - Revenue and profit growth for Changsha Bank has also been more robust, with operating income and net profit ratios expanding significantly compared to Hunan Bank [19][22]. Group 8: Business Structure - Changsha Bank's revenue is primarily driven by net interest income, maintaining around 80% of total income, while Hunan Bank's reliance on interest income has fluctuated, dropping to 71.52% in 2024 [23][25]. - Hunan Bank's loan-to-asset ratio is higher, but its lower net interest margin indicates less efficiency in generating income from its loan portfolio [29][27]. Group 9: Conclusion - Overall, Changsha Bank has established itself as a larger, more efficient, and higher-quality institution compared to Hunan Bank, despite Hunan Bank's higher administrative level [7][39][40].

证券之星消息，8月14日城商行板块较上一交易日下跌0.46%，厦门银行领跌。当日上证指数报收于 3666.44，下跌0.46%。深证成指报收于11451.43，下跌0.87%。城商行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 600T009 | 南京银行 | 11.75 | 0.09% | 43.50万 | 5.11亿 | | 002142 | 宁波银行 | 28.14 | -0.14% | 25.32万 | 7.15亿 | | 616009 | 江苏银行 | 11.17 | -0.27% | 130.62万 | 14.60亿 | | 601229 | 上海银行 | 10.15 | -0.39% | 42.26万 | 4.30亿 | | 002948 | 青岛银行 | 4.94 | -0.40% | 23.81万 | 1.18亿 | | 601997 | 贵阳银行 | 6.33 | -0.47% | 38.18万 | 2.43亿 | | 601963 | 重庆银行 | ...

从资金流向上来看，当日城商行板块主力资金净流出3.82亿元，游资资金净流出1.38亿元，散户资金净流 入5.21亿元。城商行板块个股资金流向见下表： | 代码 | 名称 | 主力净流入 (元) | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入 (元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601009 南京银行 | | 1.35 Z | 15.71% | -1.65 Z | -19.31% | 3077.83万 | 3.60% | | 601665 齐鲁银行 | | 6627.67万 | 10.23% | -4361.83万 | -6.74% | -2265.83万 | -3.50% | | 001227 | 兰州银行 | 965.81万 | 5.77% | -405.00万 | -2.42% | -560.81万 | -3.35% | | 002966 苏州银行 | | 627.64万 | 2.50% | -581.69万 | -2.32% | -45.95万 | -0.18% | | 002936 ...

证券之星消息，8月12日城商行板块较上一交易日上涨0.03%，苏州银行领涨。当日上证指数报收于 3665.92，上涨0.5%。深证成指报收于11351.63，上涨0.53%。城商行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 002966 | 苏州银行 | 8.63 | 0.94% | 29.67万 | 2.56亿 | | 002142 | 宁波银行 | 28.49 | 0.74% | 17.67万 | = 5.03亿 | | 601963 | 重庆银行 | 10.27 | 0.59% | 1 9.06万 | 9306.64万 | | 002936 | 郑州银行 | 2.10 | 0.48% | 82.44万 | 1.73亿 | | 001227 | 兰州银行 | 2.49 | 0.40% | 60.13万 | 1.50亿 | | 601997 | 贵阳银行 | 6.40 | 0.31% | 32.00万 | 2.05亿 | | 600928 | 西安银行 | 3.88 ...

8月1日，长沙银行进行2021年度分红股权登记，并将于8月2日派发现金红利。至此，今年的上市银 行分红季宣告结束，40家A股上市银行2021年度合计送出逾5400亿元（税前，下同）的现金"红包"，创 下上市银行年度分红的历史新高。 上市银行分红季将结束 由于2021年度业绩大面积增长，加之一以贯之的稳健分红政策，上市银行的分红金额也水涨船高。 根据上市银行披露的分红数据，在全部42家A股上市银行中，有40家银行实施2021年度分红回馈投 资者，这些银行的分红方案全部采用了现金分红方式。 40家上市银行2021年度合计分红金额达到5452.49亿元，较2020年度的分红金额增长11.62%。其 中，6家国有大行合计现金分红额就高达3821.93亿元，在40家上市银行合计分红额的占比超过七成。 长期以来，国有六大行不但年度现金分红额遥遥领先，现金分红比例也多年维持在30%及以上，利 润分配保持良好的连续性和稳定性。 上市银行2021年度分红历时近三个月之久。5月5日，张家港行率先进行了分红派息，开启了上市银 行2021年度分红的大幕。长沙银行作为40家分红银行中的最后一家，将于8月2日实施分红发放。6月份 和7月 ...

General Provisions - The company is established in accordance with the Company Law, Banking Law, and other relevant regulations, with independent legal status and registered in Hunan Province [1][2] - The company was approved by the China Securities Regulatory Commission to issue ordinary shares and listed on the Shanghai Stock Exchange in September 2018 [2] - The company operates under a unified accounting system and follows principles of safety, liquidity, and efficiency [3][4] Business Objectives and Scope - The company's business objective is to actively raise operating funds, focus on efficiency, create value for shareholders, provide quality financial services to clients, and promote social economic development [4][5] - The approved business scope includes accepting public deposits, issuing loans, handling domestic and international settlements, and engaging in various financial services [5][7] Capital and Shares - The initial capital of the company was RMB 4,021,553,754, divided into ordinary shares with a par value of RMB 100 [5][6] - The company issues both ordinary and preferred shares, with preferred shareholders having priority in profit distribution but limited decision-making rights [6][15] Shareholder Rights and Obligations - Ordinary shareholders have rights to participate in meetings, vote, and receive dividends based on their shareholdings [14][15] - Preferred shareholders have rights to receive dividends before ordinary shareholders and have specific voting rights under certain conditions [15][16] - Shareholders must comply with laws and regulations, fulfill capital contribution obligations, and avoid actions that harm the company's interests [18][19] Governance Structure - The company has a board of directors responsible for major decisions, and shareholders can request the board to take legal action if necessary [13][17] - The company holds annual and extraordinary shareholder meetings, with specific procedures for calling these meetings [51][52] Regulatory Compliance - The company must adhere to national financial policies and regulations, and its operations are subject to supervision by banking regulatory authorities [4][16] - Shareholders are required to report significant changes in their shareholdings and comply with regulations regarding share pledges and transfers [19][20]

证券代码：601577 证券简称：长沙银行 编号：2025-039 优先股代码：360038 优先股简称：长银优 1 长沙银行股份有限公司 关于修订公司章程获得核准的公告 特此公告。 长沙银行股份有限公司董事会 2025 年 8 月 12 日 1 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。 长沙银行股份有限公司（简称"本行"）第七届董事会第十五次 会议及 2024 年度股东大会审议通过了《关于修订<长沙银行股份有限 公司章程>的议案》，修订后的公司章程详见本行在上海证券交易所 披露的《长沙银行股份有限公司章程》。 近日，本行收到《湖南金融监管局关于长沙银行股份有限公司修 改公司章程的批复》（湘金复〔2025〕182 号），核准本行修改后的 《公司章程》。 ...

长沙银行股份有限公司章程 第一章 总 则 第四条 本行于 2018 年 8 月 6 日经中国证券监督管理委 员会核准，首次向社会公众发行人民币普通股 342,155,376 1 股，于 2018 年 9 月 26 日在上海证券交易所上市。本行于 2019 年 11 月 14 日经中国证券监督管理委员会核准，发行优先股 60,000,000 股，于 2020 年 1 月 21 日在上海证券交易所挂牌 转让。 第五条 本行注册名称为： 中文名称：长沙银行股份有限公司，简称长沙银行。 第一条 为规范长沙银行股份有限公司（以下简称"本行"） 的行为，保障本行、本行股东和债权人的合法权益，根据《中 华人民共和国公司法》（以下简称"《公司法》"）、《中华人民 共和国证券法》（以下简称"《证券法》"）、《中华人民共和国 银行业监督管理法》（以下简称"《银行业监督管理法》"）、《中 华人民共和国商业银行法》（以下简称"《商业银行法》"）、《中 国共产党章程》（以下简称"《党章》"）、《银行保险机构公司 治理准则》（以下简称"《治理准则》"）、《优先股试点管理办 法》、《国务院关于开展优先股试点的指导意见》、《中国银保 监会、 ...