Core Viewpoint - Changsha Bank's 2024 performance report highlights a focus on high-quality development and strategic goals, with significant growth in assets, revenue, and profits [1] Financial Performance - As of the end of 2024, total assets reached 1,146.748 billion yuan, an increase of 126.715 billion yuan, or 12.42% year-on-year [1] - Operating income was 25.936 billion yuan, up 4.57% year-on-year [1] - Total profit was 9.424 billion yuan, a slight increase of 0.39% year-on-year [1] - Net profit attributable to shareholders was 7.827 billion yuan, growing by 4.87% year-on-year [1] Scale and Efficiency - Total loans and advances amounted to 545.109 billion yuan, increasing by 56.718 billion yuan, or 11.61% year-on-year [2] - Total deposits reached 722.975 billion yuan, up 64.118 billion yuan, or 9.73% year-on-year [2] - Non-performing loan ratio stood at 1.18%, with a provision coverage ratio of 309.82%, indicating strong risk management [2] Sector-Specific Financial Initiatives - Technology finance loans reached 44.498 billion yuan, increasing by 6.761 billion yuan, or 17.92% [3] - Green finance loans totaled 52.829 billion yuan, up 9.926 billion yuan, or 23.14% [4] - Inclusive finance for small and micro enterprises reached 68.283 billion yuan, increasing by 9.373 billion yuan, or 15.91% [4] - The number of inclusive small and micro enterprise loan accounts rose to 73,626, an increase of 953 accounts [4] Strategic Focus and Growth - County-level deposits reached 234.174 billion yuan, increasing by 29.6 billion yuan, or 14.47% [5] - County-level loans totaled 201.372 billion yuan, up 31.672 billion yuan, or 18.66% [5] - The bank supported 165 key projects with new credit funding of 21.14 billion yuan [5] - Retail customer base surpassed 18.44 million, with personal deposits of 386.489 billion yuan, an increase of 50.396 billion yuan, or 14.99% [5] - Wealth management assets under management reached 455.208 billion yuan, with a 12.30% growth in wealth clients [5]

Group 1 - The company approved a credit limit of RMB 8.9 billion to Hunan Changyin 58 Consumer Finance Co., Ltd. for a duration of one year, which constitutes a related party transaction [6][7][10] - The related party transaction was reviewed and approved by the board of directors, with the related director abstaining from the vote [6][9] - The transaction is part of the company's normal business operations and does not significantly impact its financial status [6][9][10] Group 2 - The company plans to renew its accounting firm, Tianjian Accounting Firm, for the 2025 fiscal year [13][18] - Tianjian Accounting Firm has a strong track record, with a total revenue of RMB 3.483 billion in 2023, including RMB 3.099 billion from auditing services [13][14] - The board of directors approved the renewal of the accounting firm, which will be effective upon shareholder meeting approval [18][19] Group 3 - The company held a supervisory board meeting to review various reports, including the 2024 annual report and the 2025 first-quarter report, all of which were approved unanimously [22][28] - The supervisory board's evaluations and reports will also be submitted for shareholder approval [22][25][32]

Key Points - The core viewpoint of the announcement is the financial performance and profit distribution plan of Changsha Bank for the year 2024, highlighting its commitment to shareholder returns while ensuring sustainable growth [10][11][12]. Financial Performance - As of the end of the reporting period, the total assets of Changsha Bank reached 1,211.24 billion RMB, an increase of 64.49 billion RMB, or 5.62% from the beginning of the year [4]. - The total deposits amounted to 750.71 billion RMB, up by 27.73 billion RMB, or 3.84% [4]. - The total loans and advances reached 587.94 billion RMB, increasing by 42.83 billion RMB, or 7.86% [4]. - For Q1 2025, the bank reported operating income of 6.81 billion RMB, a year-on-year increase of 3.78%, and a net profit attributable to shareholders of 2.17 billion RMB, up by 3.81% [4]. Asset Quality - The non-performing loan ratio stood at 1.18%, with a provision coverage ratio of 309.82% and a loan-to-deposit ratio of 3.65%, indicating stable asset quality [5]. Profit Distribution Plan - The bank plans to distribute a cash dividend of 0.42 RMB per share (including tax), with a total cash dividend amounting to 1,689.05 million RMB, representing 22.49% of the net profit attributable to ordinary shareholders [10][11]. - The total distributable profit as of December 31, 2024, is 33,227.85 million RMB, with the remaining undistributed profit of 31,538.80 million RMB carried forward to the next year [11][13]. Decision-Making Process - The profit distribution proposal was approved at the board meeting held on April 24, 2025, and will be submitted for shareholder approval [15][16]. - The independent directors and the supervisory board have reviewed the proposal, confirming its compliance with relevant regulations and its alignment with the bank's sustainable development strategy [16][17]. Related Transactions - Changsha Bank has approved a credit limit of 8.9 billion RMB to its subsidiary, Hunan Changyin 58 Consumer Finance Co., Ltd., for a term of one year, which is classified as a related party transaction [22][23]. - The transaction is part of the bank's normal business operations and is not expected to significantly impact its financial status [26].

Core Viewpoint - Changsha Bank announced a 2024 dividend distribution plan, proposing a cash dividend of 4.2 yuan per 10 shares, totaling approximately 1.689 billion yuan, which represents 21.58% of its net profit and a dividend yield of 5.25% based on the average trading price for 2024 [2]. Financial Performance - For the year 2024, Changsha Bank reported total operating income of 25.936 billion yuan, reflecting a year-on-year increase of 4.57%, and a net profit of 7.827 billion yuan, up 4.87% year-on-year, with basic earnings per share at 1.87 yuan [2]. Dividend History - The company has a history of dividend distributions since its listing, with the following details: - 2024: 10 shares, 4.2 yuan (1.689 billion yuan, 5.25% yield) - 2023: 10 shares, 3.8 yuan (1.528 billion yuan, 4.90% yield) - 2022: 10 shares, 3.5 yuan (1.408 billion yuan, 4.74% yield) - 2021: 10 shares, 3.5 yuan (1.408 billion yuan, 3.78% yield) - 2020: 10 shares, 3.2 yuan (1.287 billion yuan, 3.58% yield) - 2019: 10 shares, 3.2 yuan (1.095 billion yuan, 3.22% yield) - 2018: 10 shares, 2.8 yuan (0.958 billion yuan, 2.88% yield) [2]. Market Activity - The stock experienced a net outflow of 1.3589 million yuan in main funds today, but over the past five days, there was a net inflow of 38.3756 million yuan [3]. - The latest margin financing balance for the stock is 1.076 billion yuan, with an increase of 24.0926 million yuan over the past five days, representing a growth of 2.29% [4]. Industry Comparison - Among the 34 banks in the industry that announced their 2024 dividend plans, Industrial and Commercial Bank of China led with a total cash dividend of 58.664 billion yuan, followed by China Construction Bank and China Merchants Bank with 51.502 billion yuan and 50.440 billion yuan, respectively [4].

Group 1 - The core viewpoint of the article indicates that Changsha Bank is projected to achieve an operating income of approximately 25.936 billion yuan in 2024, representing a year-on-year increase of about 4.57% [1] - The net profit attributable to the shareholders of the parent company is expected to be around 7.827 billion yuan in 2024, reflecting a year-on-year growth of approximately 4.87% [1]

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