Core Viewpoint - Changsha Bank plans to dispose of nearly 700 million yuan of non-performing assets, indicating a trend of accelerated non-performing asset transfers in the banking industry [2][4][8] Summary by Sections Changsha Bank's Non-Performing Asset Disposal - Changsha Bank's board approved the batch transfer of non-performing assets totaling 69,527.02 million yuan [4] - The purpose of this disposal is to enhance efficiency and reduce management costs [4] Financial Performance Overview - As of the end of Q3, Changsha Bank's non-performing loan balance reached 7.162 billion yuan, an increase of 779 million yuan from the end of the previous year [4] - The non-performing loan ratio stands at 1.18%, up by 0.01 percentage points year-on-year [4] - The provision coverage ratio is 311.88%, down by 0.92 percentage points from the previous year [4] - Total assets of Changsha Bank amounted to 1.2437 trillion yuan, reflecting an 8.5% increase year-on-year [4] - Operating income for the reporting period was 19.72 billion yuan, a year-on-year increase of 1.3% [4] - Net profit attributable to shareholders was 6.56 billion yuan, up 6.0% year-on-year [4] Industry Trends in Non-Performing Asset Disposal - Since entering Q4, financial institutions have noticeably accelerated the pace of non-performing asset disposals, with multiple banks announcing such actions [6][8] - For instance, Bohai Bank plans to publicly transfer a debt asset totaling approximately 70 billion yuan, aiming to improve asset quality and enhance competitiveness [7] - Guangzhou Rural Commercial Bank has also approved a significant asset package transfer totaling about 18.928 billion yuan [7] Factors Driving Non-Performing Asset Transfers - The acceleration in non-performing asset transfers is attributed to a combination of policy, regulatory, and operational factors [8] - The banking sector is facing increasing pressure from non-performing assets, which occupy credit resources and hinder long-term sustainable development [8] - Accelerating disposals not only recovers cash but also positively impacts provision management and tax adjustments, especially as year-end approaches [8] - Data from the National Financial Regulatory Administration indicates that the banking sector disposed of 1.5 trillion yuan in non-performing assets in the first half of the year, an increase of 123.6 billion yuan year-on-year [8]

Core Viewpoint - Changsha Bank plans to dispose of nearly 700 million yuan in non-performing assets, reflecting a broader trend in the banking industry to accelerate the transfer of such assets [2][3] Company Summary - Changsha Bank's board approved the batch transfer of non-performing assets totaling 69,527.02 million yuan from seven accounts [3] - The bank aims to improve disposal efficiency and reduce management costs through this proactive governance action [3] - As of the end of Q3, Changsha Bank reported a non-performing loan balance of 71.62 billion yuan, an increase of 7.79 billion yuan from the end of the previous year, with a non-performing loan ratio of 1.18%, up by 0.01 percentage points [3] - The bank's total assets reached 1,243.698 billion yuan, an 8.5% increase year-on-year, with operating income of 19.72 billion yuan, a 1.3% increase, and a net profit of 6.56 billion yuan, up 6.0% year-on-year [3] Industry Summary - The pace of non-performing asset disposal has accelerated among financial institutions, with several banks announcing asset transfers [4][5] - For instance, Bohai Bank plans to publicly transfer a debt asset totaling approximately 700 billion yuan, aiming to significantly improve its asset quality [4] - Guangzhou Rural Commercial Bank has also approved the transfer of a credit asset package worth approximately 189.28 billion yuan [4] - The acceleration in non-performing asset transfers is attributed to multiple factors, including policy, regulation, and operational advantages, as banks face increasing pressure from non-performing assets [5] - In the first half of the year, the banking sector disposed of 1.5 trillion yuan in non-performing assets, an increase of 123.6 billion yuan year-on-year, while the non-performing asset balance stood at 3.4 trillion yuan, showing a slight decrease [5]

Group 1 - Changsha Bank plans to dispose of nearly 700 million yuan of non-performing assets, totaling 69,527.02 million yuan across seven accounts [1][2] - The bank's board stated that this action is a normal proactive governance measure aimed at improving disposal efficiency and reducing management costs [2] - As of the end of Q3, Changsha Bank's non-performing loan balance was 7.162 billion yuan, an increase of 779 million yuan from the end of the previous year, with a non-performing loan ratio of 1.18% [2] Group 2 - The banking sector has accelerated the pace of non-performing asset disposal, with multiple banks announcing their plans [3][4] - For instance, Bohai Bank plans to publicly transfer a debt asset totaling approximately 70 billion yuan, with a minimum transfer price of 48.883 billion yuan [3] - In the first half of the year, the banking industry disposed of 1.5 trillion yuan in non-performing assets, an increase of 123.6 billion yuan year-on-year [4]

Core Viewpoints - The mid-term dividend rush in the banking sector is nearing its end but is not yet finished, potentially extending until the end of November [4][11][26] - The four major banks have announced mid-term dividends earlier this year compared to last year, with the record date for dividends set for mid-December, which is nearly one month earlier than last year [7][11] - The recent rise in the banking sector is primarily driven by changes in market investment style, with mid-term dividends acting as a catalyst [4][11][26] Investment Strategy Post-Dividend Rush - After the mid-term dividend rush, the banking sector may experience short-term fluctuations, but it is unlikely that the overall trend has ended [5][14][26] - There are expected investment opportunities in the banking sector before the main spring rally is identified, suggesting that investors should overlook short-term volatility [5][16][26] - The demand for insurance funds and the need for asset allocation in a low-interest-rate environment make stable bank stocks attractive [5][16][26] Stock Selection Recommendations - Focus on high-dividend, fundamentally strong stocks in the short term, while also considering quality stocks for potential upside [6][26] - Recommended stocks include Industrial and Commercial Bank of China and China Merchants Bank for their stability, as well as Ningbo Bank and Chongqing Bank for their upward momentum [6][26] - Low-valuation banks such as Changsha Bank and Chongqing Rural Commercial Bank are also suggested for consideration [6][26] Market Performance Insights - The banking index has shown a cumulative increase of 7.7% from October 14 to November 14, 2025, with individual banks like ICBC and ABC showing significant gains [11][26] - The cumulative gains of the four major banks from December 2024 were 12.5%, 11.0%, 10.2%, and 10.0%, respectively, indicating a strong performance leading into the new year [7][11] Fundamental Analysis - The banking sector's fundamentals are expected to stabilize, with net interest margins showing signs of improvement [23][26] - The asset quality of listed banks is at its best level in recent years, with retail non-performing loans gradually being cleared [23][26]

证券代码：601577 证券简称：长沙银行 编号：2025-055 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 关于优先股股息发放实施公告 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。 重要内容提示： ● 优先股代码：360038 ● 优先股简称：长银优1 ● 股权登记日：2025年12月24日（周三） ● 每股优先股派发现金股息人民币3.84元（含税） ● 最后交易日：2025年12月23日（周二） ● 除 息 日：2025年12月24日（周三） ● 股息发放日：2025年12月25日（周四） 长沙银行股份有限公司（简称"本行"）优先股（优先股代码：360038；优先股简称：长银优1）的股息 发放方案已经本行2025年11月17日召开的第八届董事会第二次临时会议审议通过，现将具体实施方案公 告如下： 一、长银优1股息发放方案 1、发放金额：本次股息发放的计息起始日为2024年12月25日，按照长银优1票面股息率3.84%计算，每 股发放现金股息人民币3.84元（含税），合计人民币23,040万元（含 ...

北京商报讯（记者 孟凡霞 周义力）11月17日，长沙银行发布公告称，该行优先股（优先股代码： 360038；优先股简称：长银优1）的股息发放方案已由该行2025年11月17日召开的第八届董事会第二次 临时会议审议通过。本次股息发放的计息起始日为2024年12月25日，按照长银优1票面股息率3.84%计 算，每股发放现金股息人民币3.84元（含税），合计人民币2.3亿元（含税）。发放对象为截至2025年12 月24日上海证券交易所收市后，在中国证券登记结算公司上海分公司登记在册的全体长银优1股东。股 息发放日为2025年12月25日。 ...

每经AI快讯，长沙银行（SH 601577，收盘价：9.78元）11月17日晚间发布公告称，公司第八届第二次 董事会临时会议于2025年11月17日在长沙银行总行33楼3315会议室以现场加视频方式召开。会议审议了 《关于长沙银行股份有限公司优先股股息发放的议案》等文件。 每经头条（nbdtoutiao）——展望"十五五" | 专访尹艳林：让有钱且愿消费的人顺利消费；个税起征点可 提高，最高边际税率可下调，让有关群体少缴税、多收入 （记者 曾健辉） 2025年1至6月份，长沙银行的营业收入构成为：利息收入占比145.07%，手续费及佣金收入占比 2.77%，非利息收入占比6.0%。 截至发稿，长沙银行市值为393亿元。 ...

证券代码：601577 证券简称：长沙银行 编号：2025-053 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 关于召开 2025 年第三季度业绩说明会的公告 长沙银行股份有限公司(简称"本行")已于 2025 年 10 月 31 日 发布本行 2025 年第三季度报告，拟于 2025 年 12 月 1 日上午 9:00-10:00 以网络互动形式召开 2025 年第三季度业绩说明会，就投 资者关心的经营业绩、发展战略等事项进行沟通交流，广泛听取投资 者的意见和建议。 二、说明会召开的时间、地点 （一）会议召开时间：2025 年 12 月 1 日上午 9:00-10:00 1 会议召开时间：2025 年 12 月 1 日(星期一)上午 9:00-10:00 会议召开方式：上海证券交易所上证路演中心网络互动 会议召开网址：https://roadshow.sseinfo.com/ （二）会议召开方式：上证路演中心网络互动 （三）会议召开网址：https://roadshow.sseinfo.com/ 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 ...

证券代码：601577 证券简称：长沙银行 编号：2025-054 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 第八届董事会第二次临时会议决议公告 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。 长沙银行股份有限公司（简称"本行"）第八届董事会第二次临 时会议于 2025 年 11 月 17 日上午在长沙银行总行 33 楼 3315 会议室 以现场加视频方式召开。会议应出席董事 11 人，实际出席董事 10 人， 董事黄璋授权委托职工董事程青龙代为行使表决权。会议由董事长赵 小中主持。董事会秘书、首席风险官彭敬恩列席会议。会议的召开符 合《中华人民共和国公司法》《中华人民共和国证券法》等法律、行 政法规、部门规章、规范性文件及《公司章程》的有关规定，会议所 形成的决议合法、有效。 会议对以下议案进行了审议并表决： 一、长沙银行股份有限公司核心高管 2024 年年薪实施方案 先股股息发放实施公告》） 表决情况：同意 11 票，反对 0 票，弃权 0 票。 本议案已经本行董事会审计委员会、独立董事专门会议 ...

长沙银行股份有限公司第八届董事会 独立董事 2025 年第 3 次专门会议决议 （2025 年 11 月 14 日） 会议审议。 全体独立董事同意将本议案提交本行第八届董事会第二次临时 会议审议。 表决情况：同意 4 票，反对 0 票，弃权 0 票。 二、关于长沙银行股份有限公司优先股股息发放的议案 经审议，独立董事认为：本行本次优先股股息发放方案符合有关 法律、行政法规、部门规章、规范性文件、《公司章程》和优先股发 行条款的相关规定。 全体独立董事同意将本议案提交本行第八届董事会第二次临时 1 长沙银行股份有限公司（以下简称"本行"）第八届董事会独立 董事 2025 年第 3 次专门会议于 2025 年 11 月 14 日以书面传签方式召 开。会议由独立董事易骆之召集并主持。会议应出席独立董事 4 人， 实际出席独立董事 4 人。董事会秘书、首席风险官彭敬恩列席本次会 议。会议的召开符合《中华人民共和国公司法》《中华人民共和国证 券法》《上市公司独立董事管理办法》《银行保险机构公司治理准则》 等法律法规、监管规定。会议对以下事项进行了审议并表决： 一、长沙银行股份有限公司核心高管 2024 年年薪实施方案 ...