上海银行，被罚没超2900万，回应来了

Core Viewpoint - Shanghai Bank has been penalized over 29 million yuan due to multiple regulatory violations, highlighting ongoing compliance challenges within the banking sector in China [1][3][4]. Regulatory Penalties - Shanghai Bank received a warning and was fined a total of 28.748 million yuan, including the confiscation of illegal gains amounting to 469,519.5 yuan [1][3]. - The violations included breaches of account management, clearing management, anti-counterfeit currency regulations, and failure to fulfill customer identity verification obligations [3][4]. Management Accountability - Fifteen responsible individuals from Shanghai Bank were also penalized, with fines ranging from 30,000 to 142,000 yuan, including warnings for senior management [4][5]. Compliance Response - Shanghai Bank has acknowledged the penalties and stated that the issues arose from a comprehensive enforcement inspection conducted by the People's Bank of China in 2021, with violations occurring between 2020 and 2021 [6]. - The bank has committed to improving its compliance management and internal controls, asserting that all identified issues have been rectified according to regulatory requirements [6]. Financial Performance - As of the end of Q1 2025, Shanghai Bank reported total assets of 3.271 trillion yuan, an increase of 44.109 billion yuan from the previous period [6]. - The bank's total deposits reached 1.763 trillion yuan, while total loans amounted to 1.424 trillion yuan [6]. - For the reporting period, Shanghai Bank achieved operating income of 13.597 billion yuan, a year-on-year increase of 3.85%, and a net profit attributable to shareholders of 6.292 billion yuan, up 2.3% [6]. Asset Quality - As of the end of Q1 2025, Shanghai Bank maintained a non-performing loan ratio of 1.18%, unchanged from the previous period, with a provision coverage ratio of 271.24%, reflecting a 1.43 percentage point increase [7]. Market Performance - As of August 1, 2023, Shanghai Bank's stock price was 10.27 yuan per share, with a total market capitalization of 145.9 billion yuan [7]. - The bank's stock has seen a year-to-date increase of 14.60% following a historical high reached on May 19 [7].