证券代码：601997 证券简称：贵阳银行 公告编号：2025-020 优先股代码：360031 优先股简称：贵银优 1 贵阳银行股份有限公司 2024年年度股东大会决议公告 本公司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： 本次会议是否有否决议案：无 一、会议召开和出席情况 (一)股东大会召开的时间：2025 年 5 月 19 日 (二)股东大会召开的地点：贵阳银行总行 401 会议室 (三)出席会议的普通股股东和恢复表决权的优先股股东及其持有股 份情况： | 1、出席会议的股东和代理人人数 | 670 | | --- | --- | | 2、出席会议的股东所持有表决权的股份总数（股） | 1,310,175,705 | | 3、出席会议的股东所持有表决权股份数占公司有 | 35.8343 | | 表决权股份总数的比例（%） | | 审议结果：通过 表决情况： | 股东 | 同意 | | 反对 | | 弃权 | | | --- | --- | --- | --- | --- | --- | --- | | 类 ...

本公司监事会及全体监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。 证券代码：601997 证券简称：贵阳银行 公告编号：2025-022 优先股代码：360031 优先股简称：贵银优 1 贵阳银行股份有限公司第六届监事会 2025 年度第三次临时会议决议公告 贵阳银行股份有限公司监事会 贵阳银行股份有限公司(以下简称公司)于 2025 年 5 月 14 日以直 接送达或电子邮件方式向全体监事发出关于召开第六届监事会 2025 年度第三次临时会议的通知，会议于 2025 年 5 月 19 日在公司总行 407 会议室以现场方式召开。本次监事会应出席监事 5 名，亲自出席 监事 5 名。会议由孟海滨监事长主持。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。 2025 年 5 月 19 日 会议对如下议案进行了审议并表决： 审议通过了《关于贵阳银行股份有限公司开展不良资产处置的议 案》 表决结果：5 票赞成，0 票反对，0 票弃权。 特 ...

证券代码：601997 证券简称：贵阳银行 公告编号：2025-021 优先股代码：360031 优先股简称：贵银优 1 贵阳银行股份有限公司第六届董事会 2025 年度第三次临时会议决议公告 本公司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。 贵阳银行股份有限公司(以下简称公司)于 2025 年 5 月 14 日以直 接送达或电子邮件方式向全体董事发出关于召开第六届董事会 2025 年度第三次临时会议的通知，会议于 2025 年 5 月 19 日在公司总行 401 会议室以现场方式召开。本次会议应出席董事 9 名，亲自出席董 事 9 名。因工作原因，柳永明独立董事、罗荣华独立董事、唐雪松独 立董事、朱乾宇独立董事和沈朝晖独立董事以视频连线方式出席。会 议由张正海董事长主持，监事会成员及高级管理人员列席了会议。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《贵阳银行股份有限公 司章程》的有关规定。会议所形成的决议合法、有效。 会议对如下议案进行了审议并表决： 审议通过了 ...

北京市金杜律师事务所 关于贵阳银行股份有限公司 2024 年年度股东大会的 法律意见书 致：贵阳银行股份有限公司 北京市金杜律师事务所（以下简称本所）接受贵阳银行股份有限公司（以下 简称公司）的委托，根据《中华人民共和国证券法》（以下简称《证券法》）、 《中华人民共和国公司法》（以下简称《公司法》）、中国证券监督管理委员会 《上市公司股东会规则（2025 修订）》（以下简称《股东会规则》）等中华人 民共和国境内（以下简称中国境内，为本法律意见书之目的，不包括中国香港特 别行政区、中国澳门特别行政区和中国台湾地区）现行有效的法律、行政法规、 部门规章、规范性文件和现行有效的《贵阳银行股份有限公司章程》（以下简称 《公司章程》）的有关规定，指派律师出席了公司于 2025 年 5 月 19 日召开的 2024 年年度股东大会（以下简称本次股东会），并就本次股东会相关事项出具 本法律意见书。 为出具本法律意见书，本所律师审阅了公司提供的以下文件，包括但不限于： 1． 经公司 2023 年年度股东大会审议通过的《公司章程》； 2． 公司 2025 年 4 月 29 日刊登于《中国证券报》《上海证券报》《证券 时报》《证 ...

Investment Rating - The report indicates a cautious outlook for the banking sector, with expected revenue and net profit growth rates for listed banks in 2025 projected at approximately -1% and 0% respectively [3][9]. Core Insights - The overall revenue and net profit growth rates for listed banks in Q1 2025 were -1.7% and -1.2% year-on-year, reflecting a decline compared to Q4 2024 [3][9]. - The performance of different types of banks varied significantly, with city and rural commercial banks leading in growth due to improved scale and net interest margin, while state-owned banks showed weaker performance [3][10]. - The net interest margin for listed banks in Q1 2025 was 1.37%, a decrease of 13 basis points year-on-year, but the decline was less severe than in the previous year [3][9]. Summary by Sections Revenue and Profit Overview - Listed banks experienced a decline in revenue and net profit growth rates, with Q1 2025 figures at -1.7% and -1.2% respectively, marking a drop of 1.8 percentage points and 3.5 percentage points from Q4 2024 [3][9]. - The decline in net interest income was attributed to a narrowing interest margin and challenges in volume compensating for price [9]. Asset Quality and Provisioning - The asset quality remained stable, with a decrease in non-performing loan ratios and a reduction in provisioning pressure, as banks continued to report lower provisions in a challenging income environment [3][9]. - The provision coverage ratio for listed banks decreased to 238% in Q1 2025, reflecting a trend of reduced provisioning amid stable asset quality [3][9]. Investment Recommendations - The report suggests that the banking sector's configuration value is enhanced by both fundamental and liquidity factors, with a focus on key index-weighted stocks such as China Merchants Bank and Industrial and Commercial Bank of China [3][9]. - The report highlights the potential for mid-sized banks to attract capital for growth, particularly in the context of capital replenishment and profitability [3][9].

Core Viewpoint - In 2024, Guiyang Bank demonstrated resilience amidst challenges in the Chinese banking sector, achieving a total asset scale of over 700 billion yuan, a decrease in non-performing loan ratio, and a strong capital adequacy ratio, showcasing its financial robustness [1][2]. Group 1: Steady Growth - As of the end of 2024, Guiyang Bank's total assets reached 705.669 billion yuan, maintaining its position as the largest legal financial institution in Guizhou Province [2]. - The bank added 15.1 billion yuan in new loans during the year, with growth in manufacturing, green finance, and inclusive small and micro loans exceeding the overall average [2]. - Core liabilities (deposits) increased, with savings deposits surpassing 214.5 billion yuan, leading to a 10 basis point reduction in the deposit interest rate year-on-year, thereby strengthening profit margins [2]. Group 2: Risk Management - Guiyang Bank's non-performing loan ratio stood at 1.58%, a slight decrease of 0.01 percentage points from the beginning of the year, with improvements in overdue loan balances and overdue rates [4]. - The provision coverage ratio increased to 257.07%, up by 12.57 percentage points from the start of the year, indicating strong risk management capabilities [4]. - The bank's capital adequacy ratios were robust, with core Tier 1 capital adequacy ratio at 12.94%, Tier 1 capital adequacy ratio at 14.00%, and total capital adequacy ratio at 15.20%, all exceeding regulatory requirements [4]. Group 3: Transformation and Innovation - Guiyang Bank has focused on high-quality development of retail business, with total assets under management (AUM) reaching 271.96 billion yuan and a 12% growth in wealth clients and their AUM [6]. - The bank's "Five Major Articles" strategy has shown initial results, including significant support for technology enterprises and green finance initiatives [7]. - The bank's mobile banking users reached 5.94 million, with total transaction amounts exceeding 228.8 billion yuan during the year [7]. Group 4: Local Commitment - Over 90% of Guiyang Bank's loans were directed towards local projects, with loans in key areas exceeding 160 billion yuan and support for industrial loan growth at 16% [9]. - The bank has implemented measures to reduce interest rates for small and micro enterprises by over 45 basis points, with inclusive agricultural loans growing by 18.11% [10]. - Guiyang Bank's approach reflects a commitment to both large-scale projects and small-scale support, contributing to local economic development [10].

贵阳银行股份有限公司 2024年年度股东大会会议材料 （股票代码：601997） 2025年5月19日 贵阳银行股份有限公司 2024 年年度股东大会 会议时间：2025 年 5 月 19 日 上午 9:30 会议地点：贵州省贵阳市观山湖区长岭北路中天•会展城 B 区金融商务 区东区 1-6 栋贵阳银行总行 401 会议室 文件目录 | 会议议程 | | | | I | | --- | --- | --- | --- | --- | | 会议须知 | | | | II | | 议案 | 1 关于贵阳银行股份有限公司第六届董事会 2024 年度工作报告的议案 | | | 1 | | 议案 | 2 关于贵阳银行股份有限公司第六届监事会 2024 年度工作报告的议案 | | | 13 | | 议案 | 3 关于贵阳银行股份有限公司 年度财务决算暨 2025 年度财务预算方案的议案 | 2024 | | 19 | | 议案 | 4 关于贵阳银行股份有限公司 年度利润分配方案的议案 | 2024 | | 23 | | 议案 | 5 关于审议《贵阳银行股份有限公司 2024 年度关联交易专项报告》的议案 | | | 25 ...

Core Viewpoint - Guiyang Bank reported a decline in both operating income and net profit for the year 2024, indicating challenges in its financial performance compared to previous years [2][3]. Financial Performance - In 2024, Guiyang Bank achieved operating income of 14.93 billion yuan, a decrease of 1.09% year-on-year from 15.10 billion yuan in 2023 [3]. - The net profit attributable to shareholders was 5.16 billion yuan, down 7.16% from 5.56 billion yuan in the previous year [3]. - The bank's operating profit fell to 5.42 billion yuan, reflecting an 8.98% decline compared to 5.96 billion yuan in 2023 [3]. - Total profit for the year was 5.43 billion yuan, a decrease of 9.27% from 5.99 billion yuan in 2023 [3]. - For Q1 2025, the bank reported operating income of 3.03 billion yuan, a significant drop of 16.91% year-on-year, and a net profit of 1.44 billion yuan, down 6.82% [2][3]. Asset and Loan Growth - As of the end of 2024, Guiyang Bank's total assets reached 705.67 billion yuan, an increase of 17.60 billion yuan or 2.56% from the beginning of the year [4]. - The total loan amount was 339.14 billion yuan, up 15.10 billion yuan or 4.66% year-on-year [4]. - Total deposits increased to 419.21 billion yuan, reflecting a growth of 18.99 billion yuan or 4.74% from the start of the year [4]. - The non-performing loan ratio stood at 1.58%, a slight decrease of 0.01 percentage points from the beginning of the year [4]. Investment and Risk Management - Financial investments amounted to 287.71 billion yuan, an increase of 18.21 billion yuan or 6.76% year-on-year [4]. - The bank's debt investment decreased by 7.84 billion yuan to 131.80 billion yuan, a decline of 5.62% compared to the previous year, primarily due to a reduction in non-standard asset scale [4]. - Provisions for debt investment impairment increased by 1.72 billion yuan, indicating a deterioration in the risk quality of existing non-performing assets [4]. Customer Complaints - In 2024, Guiyang Bank received a total of 3,882 customer complaints, a reduction of 915 complaints or 19.07% compared to 2023 [5]. - Complaints related to card services accounted for 2,380 cases, representing 61.28% of total complaints, with a year-on-year decrease of 21.4% [5]. - Complaints regarding intermediary services and loan services also saw significant reductions, with decreases of 35.59% and 14.25% respectively [5].

Investment Rating - The report indicates a cautious outlook for the banking sector, with expectations of continued narrowing of interest margin declines due to improved cost management on the liability side [5]. Core Insights - The overall revenue and profit growth rates for listed banks in Q1 2025 were -1.7% and -1.2%, respectively, showing a widening decline compared to 2024 [4]. - Net interest income decreased by 1.7% year-on-year, influenced by factors such as loan repricing and lower new loan rates, but the decline in interest margins is expected to continue to narrow [4][5]. - The overall asset quality remains stable, with a non-performing loan ratio of 1.23% and a provision coverage ratio of 238% [4]. Summary by Sections 1. Performance Overview - Listed banks' overall revenue and profit growth rates for Q1 2025 were -1.7% and -1.2%, respectively, with declines expanding by 1.8 percentage points and 3.5 percentage points compared to 2024 [4]. - The net interest income saw a year-on-year decline of 1.7%, attributed to factors like loan repricing and intensified competition [4]. 2. Revenue Breakdown - Fee and commission income for listed banks decreased by 0.7% year-on-year, with the decline rate narrowing by 8.7 percentage points compared to 2024 [4]. - Other non-interest income fell by 3.2% year-on-year, primarily due to significant fluctuations in the bond market affecting fair value changes [4]. 3. Asset Quality - The non-performing loan ratio stood at 1.23%, slightly down by 1 basis point from the end of Q4 2024, while the provision coverage ratio was 238%, showing a slight decrease of 2 percentage points from the previous year [4]. 4. Future Outlook - The narrowing trend in interest margin declines is expected to continue, supported by improved management of liability costs and stable asset quality [5]. - The report anticipates that the overall profit growth for the year will maintain a trend of quarterly improvement [5].

Core Insights - In the first quarter of 2025, 14 out of 17 A-share listed city commercial banks reported positive revenue growth, with an average growth rate of 2.96%, a decline from 5.61% in the same period last year [1][3][6] - The net profit for 14 banks also showed positive growth, averaging 5.49%, down from 7.05% year-on-year [1][6][7] - The asset scale of A-share listed city commercial banks increased by 6.53% compared to the end of the previous year, up from 4.65% year-on-year [2][9] Revenue Performance - Qingdao Bank led the revenue growth with a year-on-year increase of 9.69%, followed by Xi'an Bank (8.14%), Nanjing Bank (6.53%), and Jiangsu Bank (6.21%) [3][5] - Three banks reported negative revenue growth: Beijing Bank (-3.18%), Guiyang Bank (-16.91%), and Xiamen Bank (-18.42%) [4][5] - Jiangsu Bank achieved the highest revenue among the listed banks, totaling 22.304 billion yuan, while Xiamen Bank had the lowest at 1.214 billion yuan [4][5] Net Profit Performance - Hangzhou Bank led in net profit growth with a 17.3% increase, followed by Qilu Bank (16.47%) and Qingdao Bank (16.42%) [7][8] - Negative net profit growth was reported by Beijing Bank (-2.44%), Guiyang Bank (-6.82%), and Xiamen Bank (-14.21%) [7][8] - Jiangsu Bank reported the highest net profit at 9.78 billion yuan, while Xiamen Bank had the lowest at 0.645 billion yuan [7][8] Asset Scale and Quality - As of March 31, 2025, eight A-share listed city commercial banks had asset scales exceeding 1 trillion yuan, with Beijing Bank and Jiangsu Bank surpassing 4 trillion yuan [9][10] - The overall asset quality showed improvement, with seven banks reporting non-performing loan ratios below 1%, the lowest being Chengdu Bank at 0.66% [11][12]