银行IPO大消息！两家“重启”审核，23家发起冲击

Core Viewpoint - A total of 23 small and medium-sized banks are preparing for A-share IPOs, with recent developments indicating a potential restart of the IPO process for some banks after a prolonged hiatus since early 2022 [2][6]. Group 1: IPO Progress - Dongguan Bank and Nanhai Rural Commercial Bank have resumed their IPO review process after updating their financial documents, which had previously caused their applications to be put on hold [3][4]. - As of July 3, there are 6 banks waiting for A-share IPO approval, including 3 city commercial banks and 3 rural commercial banks, while 16 additional banks are in the listing guidance phase [3][7]. Group 2: Financial Performance - Dongguan Bank reported a revenue of 10.197 billion yuan in 2024, a decrease of 3.69% year-on-year, and a net profit of 3.733 billion yuan, down 8.2% [4]. - Nanhai Rural Commercial Bank achieved a revenue of 6.429 billion yuan in 2024, a decline of 6.3%, but its net profit increased by 2.99% to 2.453 billion yuan [4]. - The total assets of Nanhai Rural Commercial Bank reached 331.69 billion yuan by the end of 2024, reflecting an increase of 8.92% [4]. Group 3: Asset Quality - Dongguan Bank's non-performing loan (NPL) ratio stood at 1.01% at the end of 2024, indicating a relatively strong asset quality among city commercial banks [4]. - Nanhai Rural Commercial Bank's NPL ratio was 1.43%, which decreased by 0.06 percentage points compared to the previous year [4][5]. Group 4: Market Context - The A-share IPO market for banks has been stagnant for nearly three years, with the last bank, Lanzhou Bank, going public in January 2022 [6]. - The recent developments regarding Dongguan Bank and Nanhai Rural Commercial Bank have reignited interest in the IPO prospects of city and rural commercial banks [7][8].