26.11亿股增资扩股获批，长安银行核心资本“补血”落地

Core Viewpoint - Chang'an Bank's capital increase plan has been approved, aiming to raise up to 2.611 billion shares to supplement its core tier one capital [1] Group 1: Capital Increase and Shareholder Information - The raised funds will be entirely used to enhance core tier one capital [1] - Chang'an Bank must strictly review shareholder qualifications and ensure that the source of investment funds is legal and self-owned [1] - Since its establishment in July 2009, Chang'an Bank has undergone multiple capital increases, raising its registered capital from 3 billion to 7.577 billion yuan [1] Group 2: Shareholder Structure and Risks - The top three shareholders are Shaanxi Yanchang Petroleum Group, Shaanxi Coal and Chemical Industry Group, and Shaanxi Nonferrous Metals Holding Group, with the actual controller being the Shaanxi Provincial Government [1] - As of the end of 2024, the total loan balance of the top ten shareholders and their related enterprises is 8.403 billion yuan, with the seventh largest shareholder, Dongling Group, having a loan of 1.791 billion yuan, accounting for over 20% [1] - Dongling Group is currently undergoing bankruptcy reorganization, and its 365 million shares in the bank have been frozen [1] Group 3: Capital and Financial Performance - Chang'an Bank has raised capital through bond issuance, including 3 billion yuan of perpetual bonds in 2021 and 3 billion yuan of tier two capital bonds and 2 billion yuan of perpetual bonds in 2024 [2] - As of September 2025, the bank's core tier one capital net amount is 30.451 billion yuan, an increase of 1.435 billion yuan year-on-year [2] - However, the capital adequacy ratio has decreased, with core tier one capital adequacy ratio at 8.23%, tier one capital adequacy ratio at 9.62%, and total capital adequacy ratio at 11.66%, down from the previous year's 9.23%, 10.8%, and 13.01% respectively [2] Group 4: Asset Quality and Performance Metrics - As of the end of 2024, the non-performing loan balance is 5.987 billion yuan, an increase from 5.366 billion yuan at the end of 2023, with a non-performing loan ratio of 1.85% [2] - In the first three quarters of this year, Chang'an Bank achieved an operating income of 7.643 billion yuan, a year-on-year increase of 18.08%, and a net profit of 1.882 billion yuan, up 6.11% year-on-year [2] - As of the end of September, the total assets of the bank are 578.496 billion yuan, with deposits of 418.086 billion yuan and loans and advances of 339.364 billion yuan [2]