城商行研究 . 既不懂城商行，也不会研究 2024年，中国银行业面临多重挑战：经济增速放缓、净息差持续收窄、资产质量承压……在这样的 背景下，贵阳银行却交出了一份"稳中有进"的答卷。资产规模突破7000亿、不良率稳中有降、资本 充足率居行业前列，这家扎根贵州28年的城商行，用数据诠释了什么是金融韧性。 一、逆势增长：7000亿背后的稳健底盘 以下文章来源于城商行研究 ，作者城商行研究 三、转型突围：零售扛大旗，五篇大文章见实效 在行业净息差普遍收窄的压力下，贵阳银行持续推进零售业务高质量发展。零售业务表现亮眼：管理 客户总资产（AUM）达2719.6亿元，财富客户数和财富客户AUM增长均超过12%；信用卡累计发卡 171.68万张，"爽快贷"余额同比激增79%。 截至2024年末，贵阳银行总资产达7056.69亿元，连续多年稳居贵州省第一大法人金融机构。在贷款 投放上，贵阳银行保持战略定力，全年新增贷款151亿元，其中制造业、绿色金融、普惠小微贷款增 速均高于全行平均水平，实体经济服务支持力度持续加大。更难得的是，其核心负债（存款）占总负 债比继续提升，储蓄存款突破2145亿元，增量全省第一。存款结构优化加上 ...

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].

中证智能财讯 贵阳银行（601997）4月29日披露2025年第一季度报告。公司实现营业总收入30.29亿元，同比下降16.91%；归母净利润14.43亿元，同比下降 6.82%；扣非净利润14.38亿元，同比下降5.48%；经营活动产生的现金流量净额为303.16亿元，同比增长59.10%；报告期内，贵阳银行基本每股收益为0.39 元，加权平均净资产收益率为2.33%。 | 项目 | 本报告期 | 上年同期 | | --- | --- | --- | | | (2025年1-3月) | (2024年 1-3 月 | | 营业收入(千元) | 3, 028, 873 | 3, 645, | | 归属于母公司股东的净利润(千 | 1, 442, 931 | 1, 548, | | 元) | | | | 归属于母公司股东的扣除非经常 | 1, 437, 855 | 1.521. | | 性损益的净利润(千元) | | | | 经营活动产生的现金流量净额(千 | 30, 316, 169 | 19, 055, | | 元) | | | | 每股经营活动产生的现金流量净 | 8. 29 | | | 额(元) | | ...

Core Insights - Financial investment business is evolving from traditional tools to a new revenue engine for listed banks amid narrowing net interest margins and sluggish profit growth [2][3] - Bond investments are showing strong yield elasticity during the market interest rate decline in 2024, effectively cushioning the impact of declining net interest income on financial statements [2][3] Group 1: Financial Performance - In 2024, 42 listed A-share banks reported a total net profit of 2.14 trillion yuan, averaging daily earnings of approximately 58.58 billion yuan [3] - The total financial investment amount reached 91.41 trillion yuan, generating 512.8 billion yuan in investment income, with over 90% of banks achieving year-on-year positive growth in investment income [3][4] - Among these banks, 37 reported positive growth in investment income, with five small and medium-sized banks achieving over 100% year-on-year growth [3][4] Group 2: Investment Trends - The average proportion of investment income to total revenue for the 42 listed banks increased to 15.61% in 2024, up from 12.33% in 2023 [4] - Nine banks had investment income accounting for over 20% of their revenue, all of which were small and medium-sized banks [4] - Jiangsu Bank, Ningbo Bank, Nanjing Bank, and Beijing Bank reported investment income exceeding 10 billion yuan in 2024 [5] Group 3: Market Dynamics - The preference for bond investments among small and medium-sized banks is attributed to narrowing net interest margins and increased competition [6][7] - The bond market has become a significant source of income for banks, especially for rural commercial banks, which have become active participants in the bond market [6][7] - The overall bond yield trend in 2024 was downward, with the 10-year government bond yield decreasing to 1.68% by December 31, creating favorable conditions for bond investment income growth [7][8] Group 4: Future Outlook - Many banks maintain an optimistic outlook on bond investments for 2025, anticipating continued opportunities in the bond market due to expected fluctuations in bond rates [8]

Core Viewpoint - Guiyang Bank has demonstrated stable performance in 2024, achieving significant growth in total assets, operating income, and net profit while maintaining a low non-performing loan ratio, positioning itself as a key financial institution in Guizhou province [1][2][5]. Financial Performance - As of the end of 2024, Guiyang Bank's total assets reached 705.67 billion yuan, an increase of 17.6 billion yuan from the beginning of the year [2]. - The bank's operating income for the year was 14.931 billion yuan, with a net profit attributable to shareholders of 5.164 billion yuan [1][5]. - The non-performing loan ratio stood at 1.58%, slightly down from 1.59% at the beginning of the year [3]. Asset Quality and Structure - The loan total reached 339.14 billion yuan, up by 15.1 billion yuan, while deposits totaled 419.21 billion yuan, increasing by 18.99 billion yuan [2]. - The proportion of loans to total assets increased by 0.97 percentage points compared to the previous year, indicating an improvement in asset structure [2]. - The bank's provision coverage ratio was 257.07%, and the capital adequacy ratio was 15.20%, both meeting regulatory requirements [3]. Strategic Focus - Guiyang Bank aims to support local economic development by aligning with provincial and municipal strategic initiatives, focusing on key sectors such as new industrialization, urbanization, agricultural modernization, and tourism [4][5]. - The bank has established a comprehensive management system to enhance its operational efficiency and customer service [1][4]. Specialized Financial Services - The bank has actively developed its technology finance, green finance, inclusive finance, pension finance, and digital finance sectors, in line with national financial strategies [7][10]. - By the end of 2024, the bank's loans to technology enterprises amounted to 14.411 billion yuan, with significant support for small and micro enterprises [8][9]. Community Engagement and Support - Guiyang Bank has expanded its outreach to rural and urban residents, ensuring comprehensive coverage across Guizhou province, which has strengthened its competitive advantage [3]. - The bank has implemented various initiatives to support the elderly population, including financial education programs and tailored financial products [9].

● 公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真实、准确、完整，不存在虚 假记载、误导性陈述或重大遗漏，并承担个别和连带的法律责任。 登录新浪财经APP 搜索【信披】查看更多考评等级 证券代码：601997 证券简称：贵阳银行 优先股代码：360031 优先股简称：贵银优1 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： ● 公司第六届董事会2025年度第二次会议于2025年4月28日审议通过了《贵阳银行股份有限公司2025年 第一季度报告》，本次会议应出席董事9名，亲自出席董事8名，因工作原因，周业俊董事委托张正海董 事长表决。 ● 本季度报告所载财务数据及指标按照中国企业会计准则编制，除特别说明为母公司数据外，均为贵阳 银行股份有限公司及控股子公司广元市贵商村镇银行股份有限公司、贵阳贵银金融租赁有限责任公司的 合并报表数据，货币单位以人民币列示。 ● 公司董事长张正海先生、行长盛军先生、主管会计工作的负责人李松芸先生、会计机构负责人李云先 生保证本季度报告中财务信息的真实、准确、完整。 ...

贵阳银行股份有限公司董事会审计委员会 2024 年度 对会计师事务所履行监督职责情况报告 根据《国有企业、上市公司选聘会计师事务所管理办法》《上海 证券交易所上市公司自律监管指引第 1 号——规范运作》及《贵阳银 行股份有限公司章程》等规定，贵阳银行股份有限公司（以下简称本 行）董事会审计委员会对会计师事务所履行监督职责，具体情况如下： 一、提议续聘 2024 年度会计师事务所 2 本行董事会审计委员会遵循相关法律法规和监管要求，对拟聘任 会计师事务所的基本信息、人员信息、业务规模、投资者保护能力、 独立性和诚信记录、审计服务情况等进行了解和审查，对拟聘任会计 师事务所的审计费用及聘用条款进行了审核，审议通过了《关于贵阳 银行股份有限公司续聘 2024 年度会计师事务所的议案》，提议续聘 安永华明会计师事务所（特殊普通合伙）（以下简称安永华明）作为 2024 年度财务审计及内控审计机构，并同意将该议案提交本行董事 会审议。 二、与会计师事务所审计沟通 本行董事会审计委员会适时了解外部审计工作开展情况，与安永 华明进行了充分、必要的沟通，督促安永华明诚实守信、勤勉尽责， 严格遵守业务规则和行业自律规范，严格执行 ...

证券代码：601997 证券简称：贵阳银行 公告编号：2025-018 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 关于召开 2024 年度暨 2025 年第一季度 业绩说明会的公告 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： 会议召开时间：2025 年 5 月 9 日(星期五)下午 15:00-16:00 会 议召 开 地点 ： 全 景网 " 投 资者 关 系互 动平 台" （ 网址 ： http://ir.p5w.net） 会议召开形式：网络文字互动 投 资 者 可 于 2025 年 5 月 8 日 （ 星 期 四 ） 16 ： 00 前 访 问 http://ir.p5w.net/zj/ ， 进 入 问 题 征 集 专 题 页 面 或 通 过 公 司 邮 箱 gysh_2007@126.com 进行提问。公司将在说明会上对投资者普遍关注的问 题进行回答。 贵阳银行股份有限公司（以下简称公司）将于 2025 年 4 月 29 日发布 公司 2024 年年度报告和 2025 ...

证券代码：601997 证券简称：贵阳银行 公告编号：2025-016 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 关于召开2024年年度股东大会的通知 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： 一、召开会议的基本情况 召开的日期时间：2025 年 5 月 19 日 9 点 30 分 召开地点：贵阳银行总行 401 会议室 (五) 网络投票的系统、起止日期和投票时间。 网络投票系统：上海证券交易所股东大会网络投票系统 1 股东大会召开日期：2025年5月19日 本次股东大会采用的网络投票系统：上海证券交易所股东大 会网络投票系统 (一) 股东大会类型和届次 2024年年度股东大会 (二) 股东大会召集人：董事会 (三) 投票方式：本次股东大会所采用的表决方式是现场投票和网络 投票相结合的方式 (四) 现场会议召开的日期、时间和地点 网络投票起止时间：自2025 年 5 月 19 日 至2025 年 5 月 19 日 采用上海证券交易所网络投票系统，通过交易系统投票平台的投 票 ...