两家银行IPO重启 中小行上市破冰

Group 1 - Dongguan Bank and Guangdong Nanhai Rural Commercial Bank have resumed their IPO status to "accepted" after updating financial information, signaling a positive development in the A-share banking sector after a 1200-day hiatus [1][2] - Dongguan Bank's IPO journey began in 2008, facing multiple setbacks including a halted review in 2014 and three interruptions since March 2024 due to "expired financial data" [1][2] - Guangdong Nanhai Rural Commercial Bank, established in 1952, also faced challenges in its IPO process, with its first application submitted in 2019 and similar interruptions due to financial data issues [1][2] Group 2 - In 2024, Dongguan Bank reported an operating income of 10.197 billion yuan, a decrease of 3.69% year-on-year, and a net profit of 3.738 billion yuan, down 8.1% [2] - Guangdong Nanhai Rural Commercial Bank achieved an operating income of 6.429 billion yuan, a decline of 6.3%, but its net profit increased by 2.99% to 2.453 billion yuan [2] - Industry expert Wang Jianhui noted that the resumption of IPO reviews reflects the proactive stance of small and medium-sized banks in navigating complex environments, although challenges remain in financial updates and compliance [2][3] Group 3 - Several banks, including Guangdong Shunde Rural Commercial Bank, have withdrawn their IPO applications, citing "strategic adjustments," amidst a challenging environment characterized by narrowing net interest margins and asset quality pressures [3] - The number of banks waiting for IPOs in A-shares has decreased to five, with Huzhou Bank, Hubei Bank, and Jiangsu Kunshan Rural Commercial Bank among those still in the process [3] - Under the current capital market conditions, banks face heightened scrutiny regarding compliance and risk management, which has led some to reconsider their IPO timing and strategies [3][4] Group 4 - The capital market's financing tendency favors technology and innovation enterprises, which may delay the IPO process for traditional banks, particularly smaller ones [4] - Despite the challenges, banks are expected to continue playing a crucial role in supporting the real economy through indirect financing, although uncertainties in the IPO process may persist [4]