Core Viewpoint - Under the low interest rate environment, listed banks are increasingly motivated to redeem existing "high-yield" preferred shares to save on interest costs [1] Group 1: Bank Actions - Changsha Bank announced it will redeem 6 billion yuan of its preferred shares "Changyin You 1" on December 25 and terminate its listing [1] - In December alone, five banks, including Changsha Bank, Beijing Bank, Shanghai Bank, Hangzhou Bank, and Nanjing Bank, have announced the redemption of preferred shares, totaling 45.8 billion yuan [1] - Including previous redemptions by Industrial and Commercial Bank of China, Bank of China, Industrial Bank, and Ningbo Bank, the number of banks redeeming preferred shares since 2025 has increased to nine [1] Group 2: Market Trends - Since 2020, the issuance of new preferred shares by banks has nearly stagnated, indicating a shift in capital management strategies [1] - The accelerated redemption and delisting of existing preferred shares have led to a significant reduction in their outstanding volume [1] - The willingness of commercial banks to redeem preferred shares to optimize their capital structure has been continuously reinforced [1] - Asset management institutions view the scarcity of bank preferred shares as increasingly prominent [1]

证券时报记者谢忠翔 低利率环境下，上市银行赎回存量"高息"优先股以节省付息成本的动力愈发增强。近日，长沙银行公告 称，将于12月25日赎回60亿元优先股"长银优1"，并终止挂牌。 证券时报记者注意到，12月以来，包括长沙银行在内，已有北京银行、上海银行、杭州银行和南京银行 等5家银行先后宣布对旗下优先股进行赎回，合计规模达458亿元。若加上此前的工商银行、中国银行、 兴业银行和宁波银行，2025年以来赎回优先股的银行数量已增加至9家。 多位研究人士表示，优先股作为银行资本工具，自2020年以后银行对其新发已几乎停滞。同时，伴随着 存量银行优先股的加速赎回并退市，存量规模愈发减少。近年来，商业银行为优化资本结构，赎回优先 股的意愿更是不断强化。在资管机构看来，银行优先股的配置稀缺性也进一步凸显。 9家银行年内赎回超1000亿 12月19日，长沙银行公告显示，该行于2019年12月非公开发行的60亿元优先股"长银优1"，将于2025年 12月25日派发优先股息后全部赎回，并终止挂牌。 据证券时报记者统计，今年以来已有2家国有大行、1家股份行和6家城商行对优先股进行赎回，包括境 内优先股7期共1118亿元、2期境外 ...

Group 1 - The core point of the article is the resignation of Zhao Xiaozhong, the chairman of Changsha Bank, due to age-related retirement, and the appointment of Zhang Man as the new chairman, marking a significant leadership change in the bank [2][3] - Zhao Xiaozhong has been a key figure in Changsha Bank since its establishment in 1997, serving in various leadership roles and achieving significant milestones such as asset scale exceeding 1 trillion yuan [2][5] - Zhang Man's appointment as chairman represents an internal promotion strategy, making her the only female chairman among A-share listed city commercial banks [2][3] Group 2 - Changsha Bank has not made a clear arrangement for the position of president, and Zhang Man will continue to serve as president alongside her new role [3] - The bank's asset scale reached 1.24 trillion yuan by the end of September, but it has faced challenges with revenue growth, showing a slight increase of only 1.29% year-on-year for the first three quarters [5][7] - The bank's net interest margin has decreased by 28 basis points compared to the end of 2024, indicating pressure on its interest income [7] Group 3 - The bank's net interest income has declined by 2.94% year-on-year, marking the largest drop since its listing, while non-interest income has increased by 15.03% [7][8] - Credit impairment losses have risen significantly, from 5.167 billion yuan in 2019 to 8.805 billion yuan in 2024, impacting profit margins [8] - The non-performing loan ratio stood at 1.18% as of the end of September, with a notable increase in overdue loans, indicating potential asset quality concerns [8] Group 4 - Changsha Bank has been focusing on retail transformation since 2017, but the average yield on personal loans has been declining, with the proportion of retail loans decreasing to 31.86% by mid-2024 [10] - The bank's corporate credit has become the main driver of loan growth, with a sustained growth rate of over 15% since 2020, accounting for 67.19% of total loans as of mid-2024 [11]

记者丨边万莉 编辑丨周炎炎 万亿城商行迎来人事更迭。 12月19日，长沙银行（601577.SH）披露公告，董事长赵小中因到龄离任正式提交辞呈，董事会同步选 举现任行长张曼为新任董事长候选人，其任职资格待国家金融监督管理总局湖南监管局核准，在此之前 将由张曼代为履行董事长职责。 值得注意的是，拟任董事长的张曼是一位女士，待监管核准后，或成为A股城商行在任的唯一一位女性 董事长。A股上市银行中还有一位掌舵农商行的女性董事长，为江阴银行董事长宋萍。 在赵小中离任的同时，长沙银行迅速完成新任核心负责人的选举工作。12月19日下午，该行董事会审议 通过相关议案，同意选举现任董事张曼为第八届董事会董事长候选人。不过，张曼的董事长任职资格尚 需报国家金融监督管理总局湖南监管局核准，任期将自核准之日起至第八届董事会届满之日止。 为保障经营管理的连续性，经全体董事一致推举，在监管部门核准张曼董事长任职资格前，由张曼代为 履行董事长职务。公开简历显示，张曼是一位银行业"女将"，出生于1972年5月，拥有本科学历、工商 管理硕士学位，具备中级会计师、中级经济师职称，金融行业从业经验丰富。 张曼职业生涯起步于中国农业银行长沙县支行 ...

值得注意的是，拟任董事长的张曼是一位女士， 待监管核准后，或成为A股城商行在任的唯 一一位女性董事长。A股上市银行中还有一位掌舵农商行的女性董事长，为江阴银行董事长宋 萍。 作为湖南省最大的法人金融企业、湖南省首家上市银行，长沙银行成立于1997年5月25日，并 于2018年9月26日在上海证券交易所主板上市。截至2024年末，长沙银行省内外分行13家（含 广州分行）、长沙地区直属支行17家，控股湘西长行村镇银行、宜章长行村镇银行，发起设 立湖南首家消费金融公司——长银五八消费金融公司，成立湖南长银数科有限公司，共有持 牌营业网点411家，实现了湖南县域的全覆盖。 12月19日，因到龄离任，赵小中申请辞去董事长、董事，董事会战略与可持续发展委员会主 任委员及委员、董事会消费者权益保护委员会委员等全部职务，同时不再担任公司法定代表 人，辞职后将不再在该行担任任何职务。公告显示，赵小中目前已完成全部工作交接，辞职 报告自送达董事会之日起生效。截至公告披露日，赵小中持有该行股份49000股，不存在应履 行未履行的承诺事项。 作为长沙银行的"元老级"人物，赵小中自银行成立之初便加入了公司。2015年9月，赵小中出 任 ...

Group 1: Leadership Transition - Zhang Man has officially taken over as the new chairman of Changsha Bank, marking a significant leadership change and becoming the only female chairman among A-share listed city commercial banks [2] - Her appointment reflects the gradual increase in the proportion of female executives in China's financial industry [2][6] Group 2: Career Background - Zhang Man's career spans 33 years, starting in 1992 at Agricultural Bank of China, where she gained 14 years of grassroots experience before joining Changsha Bank in 2006 [3] - Over nearly 20 years at Changsha Bank, she has held various positions, including branch manager and vice president, showcasing a clear and steady career progression [3] Group 3: Current Financial Status - As of the end of Q3 2025, Changsha Bank's total assets reached 1.24 trillion yuan, with operating income of 19.721 billion yuan and net profit of 6.618 billion yuan, while maintaining a non-performing loan ratio of 1.18% and a provision coverage ratio of 311.88% [4] - The bank is facing challenges such as deepening interest rate marketization, accelerated digital transformation, and intensified regional competition [4] Group 4: Legacy of Zhao Xiaozhong - The former chairman Zhao Xiaozhong left a significant mark on Changsha Bank, achieving county-level coverage in Hunan and surpassing the 1 trillion yuan asset milestone during his tenure [5] - His experience in risk control and strategic planning has provided a solid foundation for his successor [5] Group 5: Gender Diversity in Leadership - Zhang Man's rise increases the number of female chairpersons in A-share and H-share listed banks to four, indicating a slow but steady change in gender structure within the financial industry [6] - The presence of female leaders like Zhang Man highlights the importance of professional capability over gender in career advancement [6] Group 6: Future Directions for Changsha Bank - Established in 1997, Changsha Bank has evolved from 16 city credit cooperatives to a trillion-yuan city commercial bank, with Zhang Man's leadership potentially signaling new development strategies [7] - The bank may focus on deepening its local market presence, enhancing inclusive finance, and accelerating technological empowerment as viable directions for future growth [7]

近日，长沙银行一则增资公告搅动了消费金融行业，其斥资15.5亿元增资控股子公司长银五八消费金融 股份有限公司（以下简称"长银五八"）。 而长银五八另外两大股东却集体用脚投票，58同城连续两次放弃增资，而通程控股在此次交易中则选择 套现离场。交易完成后，长沙银行在长银五八的持股比例将飙升至80.82%。 然而此次增资绝非主动扩张，而是困境之下的无奈救赎。曾创下6.83亿净利润的长银五八，如今净利润 暴跌超9成、不良资产折价超95%甩卖。更加棘手的是，此次增资背后牵扯着长沙银行坚守多年的零售 战略困局。 在此之际，长沙银行首位女性掌门张曼走马上任。而这位主导过长银五八的筹备"老兵"，能否破解长沙 银行当前的迷局？ 长银五八增资的背后 12月15日，长沙银行抛出一则增资公告，拟以自有资金向长银五八增资不超过15.5亿元。而就在同一 日，长沙五八的第三大股东通程控股也发布公告，以2.15亿元向长沙银行出让其所持有的1.14亿股股 份。 而早在2017年，长沙银行便将零售业务确立为战略核心，而长银五八作为消金公司，是其大零售战略的 重要补充。在战略推动初期，长沙银行的零售业务增长迅速，公司2017-2019年个人贷款的 ...

（原标题：或为A股城商行唯一在任女董事长！长沙银行张曼接棒"掌门人"） 12月19日，因到龄离任，赵小中申请辞去董事长、董事，董事会战略与可持续发展委员会主任委员及委 员、董事会消费者权益保护委员会委员等全部职务，同时不再担任公司法定代表人，辞职后将不再在该 行担任任何职务。公告显示，赵小中目前已完成全部工作交接，辞职报告自送达董事会之日起生效。截 至公告披露日，赵小中持有该行股份49000股，不存在应履行未履行的承诺事项。 作为长沙银行的"元老级"人物，赵小中自银行成立之初便加入了公司。2015年9月，赵小中出任行长， 2021年12月起担任党委书记、董事长，成为该行发展的核心引领者。长沙银行公告表示，"赵小中先生 以敏锐的行业洞察、坚定的战略定力和务实的工作作风，为本行高质量发展打下坚实基础，其贡献将长 久惠及全行。" 在赵小中离任的同时，长沙银行迅速完成新任核心负责人的选举工作。12月19日下午，该行董事会审议 通过相关议案，同意选举现任董事张曼为第八届董事会董事长候选人。不过，张曼的董事长任职资格尚 需报国家金融监督管理总局湖南监管局核准，任期将自核准之日起至第八届董事会届满之日止。 为保障经营管理的 ...

Core Viewpoint - The appointment of Zhang Man as the new chairperson of Changsha Bank marks a significant milestone as she is set to become the first female leader of this publicly listed bank in Hunan Province, pending regulatory approval [2][3]. Group 1: Leadership Transition - Zhang Man, aged 53, has a strong background in the banking sector, having served in various roles within the Agricultural Bank of China before joining Changsha Bank in 2006 [3]. - The outgoing chairman, Zhao Xiaozhong, has been a key figure in the bank's development since its inception and has led the bank through significant milestones, including achieving a total asset scale exceeding 1 trillion yuan [5][6]. - The transition occurs at a pivotal moment as Changsha Bank embarks on a new strategic decade, aiming for ambitious targets by 2033, including reaching total assets of 4 trillion yuan and annual revenue of 100 billion yuan [7]. Group 2: Industry Context - The banking industry is shifting from a phase of rapid expansion to one focused on refined management and high-quality development, where the advantages of female leaders are becoming increasingly recognized [4]. - Currently, there are only three female chairpersons and three female presidents among A-share and H-share listed banks, highlighting the rarity of women in top banking positions [3]. - Zhang Man's leadership is expected to enhance Changsha Bank's competitiveness in emerging sectors such as consumer finance and inclusive finance, aligning with the bank's strategic focus [4].

长银五八成立于2017年，由长沙银行、北京城市网邻信息技术有限公司（以下简称"北京网邻"）、长沙通程控股股份有限公司（以下简称"通程控股"）共同 发起设立，总部位于湖南长沙。目前，上述三大股东的持股比例分别是56.66%、26.43%和16.91%。 12月16日，长沙银行发布公告称，为进一步增强控股子公司湖南长银五八消费金融股份有限公司（以下简称"长银五八"）的资本实力，提升其风险抵御能 力，推动其健康可持续发展，该行拟以自有资金对长银五八增资，增资金额不超过15.5亿元（含），最终金额以经监管部门核准后的实际出资金额为准。 长银五八当前的注册资本为11.24亿元。通程控股在公告中提到，前述增资及股权转让完成后，长银五八的注册资本将由11.24亿元增加至19.45亿元。 值得注意的是，通程控股近日发布公告称，该公司与北京网邻均不参与此次增资。同时，通程控股拟将持有的长银五八1.14亿股股份转让给长沙银行，转让 价格为每股1.8877元，转让金额总计约2.15亿元。转让后，通程控股持有长银五八的股份总数由1.9亿股变更为7600万股。 ...