资本充足水平大幅下滑，长安银行增资26.11亿股获批

Group 1 - The core point of the article is that Chang'an Bank is facing a decline in its capital adequacy ratio and has received approval for a capital increase to address this issue [2][11] - The bank plans to raise no more than 2.611 billion shares, with all funds raised designated for supplementing core Tier 1 capital [3][12] - As of the third quarter, Chang'an Bank's core Tier 1 capital adequacy ratio is 8.23%, down 0.92 percentage points from the end of the previous year, which is below the industry average [4][13] Group 2 - Chang'an Bank was established on July 29, 2009, and has undergone multiple capital increases, raising its registered capital from 3 billion to 7.577 billion yuan [3][12] - The bank's major shareholders include Shaanxi Yanchang Group (19.04%), Shaanxi Coal and Chemical Industry Group (18.71%), and Shaanxi Nonferrous Metals Group (11.22%) [3][12] - The bank's capital adequacy ratios as of the third quarter are 8.23% for core Tier 1, 9.62% for Tier 1, and 11.66% for total capital, all showing a downward trend compared to the previous year [4][13] Group 3 - The decline in capital adequacy is attributed to rapid loan growth and a slight increase in non-performing loans, which have put pressure on capital consumption [5][14] - Loan growth rates for the years 2022, 2023, and 2024 are 15.51%, 14.09%, and 9.58% respectively, with non-performing loans growing at a faster rate than normal loans [5][14] - The non-performing loan ratios for the same years are 1.82%, 1.81%, and 1.85%, indicating a rising trend in asset quality issues [5][14] Group 4 - The bank's provision coverage ratio has also decreased, with figures of 182.30%, 191.15%, and 173.44% for the years 2022 to 2024 [6][14] - To mitigate the impact of non-performing loans on capital, Chang'an Bank plans to recover and dispose of 5.528 billion yuan in non-performing assets in 2024 [6][15] - The bank's revenue for 2024 is projected to be 9.461 billion yuan, a decrease of 3.26%, with net profit expected to be 2.315 billion yuan, down 5.29% [7][16] Group 5 - Despite the challenges, Chang'an Bank's operating income for the third quarter has shown an increase of 18.08% year-on-year, reaching 7.643 billion yuan, with net profit up 6.11% to 1.882 billion yuan [8][17] - The bank's net interest income for 2024 is expected to be 9.017 billion yuan, a decrease of 2.48%, while fee and commission income has been negative since 2019, with a projected loss of 601 million yuan in 2024 [7][17]