富滇银行第五大股东股权被“清仓式”拍卖，实际持股人何旗系福建长乐首富

Core Insights - The chairman of Fudian Bank, Xia Shu, has been investigated after over ten years in leadership, coinciding with the auction of 200 million shares held by the fifth-largest shareholder, Fujian Xintong Trading Co., Ltd [2][6] - The auction is set for September 15, with a starting price of 513.8 million yuan, representing a 30% discount from the assessed value [2][3] - Fudian Bank's capital adequacy ratio has declined by 0.41 percentage points since the beginning of the year, raising concerns about how the bank will improve its capital adequacy amid shareholder changes [2][7] Shareholder Changes - Fujian Xintong Trading holds 300 million shares of Fudian Bank, equating to a 4.49% stake, which will drop to 1.49% if the auction is successful [3][4] - The company has been listed as a defendant 11 times, with execution targets totaling 2.108 billion yuan, indicating significant financial distress [3][4] - The auction has seen no bidders as of August 21, highlighting challenges in the market for small bank equity transfers [4][5] Financial Performance - Fudian Bank's total assets reached 418.682 billion yuan as of March 31, 2025, making it the largest city commercial bank in Yunnan Province [6] - The bank's net profit growth has significantly slowed, dropping from 43.32% in 2020 to just 0.73% in Q1 2025, with a notable decrease in revenue by 25.90% year-on-year [6][7] - Despite the decline in profit growth, the bank has managed to maintain a stable capital adequacy level, with a core Tier 1 capital ratio of 8.93%, exceeding regulatory requirements [7]