广州银行换帅首卷营收降10% 此前营收降2年净利降4年

Core Viewpoint - Guangzhou Bank's financial performance has shown a decline in both revenue and net profit over recent years, indicating ongoing challenges in its operations and market position [1][2]. Financial Performance - In the first half of 2025, Guangzhou Bank reported an operating income of 6.702 billion yuan, a decrease of 10.16% compared to 7.460 billion yuan in the first half of 2024 [1]. - The bank's net profit has declined for four consecutive years, with figures from 2020 to 2024 being 4.455 billion yuan, 4.101 billion yuan, 3.339 billion yuan, 3.017 billion yuan, and 1.012 billion yuan respectively [2]. - The total assets of Guangzhou Bank as of June 30, 2025, amounted to 909.352 billion yuan, while total liabilities were 852.596 billion yuan, resulting in total equity of 56.756 billion yuan [1]. Capital Adequacy - As of June 30, 2025, Guangzhou Bank's capital adequacy ratio stood at 12.04%, with a tier 1 capital adequacy ratio of 8.72% and a core tier 1 capital adequacy ratio of 7.90% [1]. Investment and Shareholding - The bank's equity investment was reported at 0.08 billion yuan, primarily in China UnionPay, with a voting rights ratio of 0.27% [1]. Leadership Changes - Li Dalong has been serving as the chairman of Guangzhou Bank since January 2025, following his election by the board on December 4, 2024, and subsequent approval from the Guangdong Regulatory Bureau of the National Financial Supervision Administration on January 24, 2025 [1]. Listing Attempts - Guangzhou Bank has been planning for an IPO for 16 years, with various milestones including a statement in 2009 aiming for a listing within three years, and a formal application submitted to the CSRC in 2020 [2]. - The bank's IPO application was accepted by the Shenzhen Stock Exchange in March 2023, but the review process was terminated on January 17, 2025 [2].