获批增资10亿元，湖南银行前三季度“增利不增收”

Core Viewpoint - Hunan Bank has received approval to increase its registered capital by 1 billion yuan, raising it from 7.75 billion yuan to 8.75 billion yuan, which is an increase of nearly 13% [2][3]. Financial Performance - As of the end of Q3, Hunan Bank's total assets exceeded 600 billion yuan, with a reported operating income decline of 9.64% year-on-year, while net profit increased by 2.96% [2][5]. - The bank's non-performing loan ratio stands at 1.67%, and the provision coverage ratio is at 177.91% [5]. Capital Increase Details - The capital increase involved issuing up to 1 billion shares to nine state-owned entities, raising a total of 4.01 billion yuan, with a net amount of 4.009 billion yuan after deducting issuance costs [3][4]. - Post-capital increase, the bank's capital adequacy ratio is expected to rise to 12.6%, and the core Tier 1 capital adequacy ratio to 9.2% [3][4]. Regulatory and Compliance Issues - Hunan Bank faced a fine of 400,000 yuan due to inadequate internal control management, and a former employee was banned for life from the banking industry [6][7]. Future Outlook - The bank aims to achieve an asset scale of over 500 billion yuan by 2023 and over 750 billion yuan within five years, with a goal to rank among the top 20 city commercial banks in China [5].