长安银行增资扩股获批：应对核心一级资本逼近监管红线的关键举措

Core Viewpoint - Chang'an Bank is experiencing a downward trend in its capital adequacy ratios, with core Tier 1 capital adequacy ratio, Tier 1 capital adequacy ratio, and total capital adequacy ratio all declining, prompting the need for a capital increase to bolster its core Tier 1 capital [2][8]. Group 1: Capital Adequacy Ratios - As of the end of Q3 2025, Chang'an Bank's core Tier 1 capital adequacy ratio is 8.23%, Tier 1 capital adequacy ratio is 9.62%, and total capital adequacy ratio is 11.66%, which are close to regulatory minimums [2][8]. - The capital adequacy ratios have shown a declining trend over the first three quarters of 2025, with the core Tier 1 capital adequacy ratio decreasing from 8.99% in Q1 to 8.23% in Q3 [7][8]. - In comparison, the ratios for 2022 and 2023 were higher, with core Tier 1 capital adequacy ratios of 9.03% and 8.64% respectively, indicating a significant decline in 2025 [3][5]. Group 2: Capital Increase Plan - The Shaanxi Financial Regulatory Bureau has approved Chang'an Bank's plan to raise capital by issuing up to 2.611 billion shares, with all funds aimed at supplementing core Tier 1 capital [2][4]. - The bank is required to conduct strict reviews of shareholder qualifications and ensure that the funds used for the capital increase are legitimate and from self-owned sources [4]. - The bank's registered capital has increased from 3 billion at its inception to 7.577 billion by the end of 2024, reflecting its growth trajectory [4]. Group 3: Regulatory Compliance and Penalties - Chang'an Bank has faced regulatory scrutiny, including a fine of 4 million yuan for violating payment settlement management regulations in August 2025 [9]. - The bank's management has been held accountable for compliance failures, with specific individuals fined for their roles in the violations [9].