河北银行股权拍卖频流拍资产规模省内第一 难掩盈利困境

Core Viewpoint - Hebei Bank is facing challenges with multiple rounds of failed equity auctions, indicating a lack of investor interest and potential valuation issues in the current market environment [1][2]. Group 1: Equity Auction and Market Response - Hebei Bank's 1,017.53 million shares were publicly auctioned but failed to attract any bidders, leading to a relisting at a reduced starting price of 16.168 million yuan [1]. - Another set of 684.29 million shares has been auctioned three times this year, with the starting price decreasing by 40% from the initial auction, yet still resulting in no bids [2]. Group 2: Financial Performance - In 2024, Hebei Bank reported a total asset size of 569.6 billion yuan, marking a year-on-year growth of approximately 7% [3]. - The bank achieved an operating income of 13.725 billion yuan in 2024, reflecting a growth of about 22% compared to 2023, but net profit fell by nearly 20% to 2.196 billion yuan [3]. Group 3: Credit Impairment and Asset Quality - The decline in net profit is attributed to a significant increase in credit impairment losses, which rose to 7.728 billion yuan in 2024, a year-on-year increase of over 60% [4]. - As of the end of 2024, Hebei Bank's non-performing loan balance increased to 4.96 billion yuan, with a non-performing loan ratio of 1.50%, up by 0.19 percentage points from the previous year [4]. Group 4: Capital Adequacy - The bank's core Tier 1 capital adequacy ratio stood at 9.50% in 2024, positioning it lower compared to its peers in the region [5].