城商行三十年 | 扎根成渝双城经济圈，长城华西银行的股权迭代与本土深耕

Core Viewpoint - The article highlights the evolution of China’s urban commercial banks over the past 30 years, focusing on the transformation of Changcheng Huaxi Bank as a case study of regional financial institutions adapting to local economies and undergoing significant ownership changes [1]. Group 1: Ownership Evolution - Changcheng Huaxi Bank was established in October 1998 through the merger of six urban credit cooperatives and two rural credit cooperatives in Deyang, initially named Deyang Commercial Bank [2]. - In 2014, the bank introduced a strategic investor, China Great Wall Asset Management Co., which led to a significant adjustment in its shareholding structure [2]. - By the end of 2024, the bank's total equity reached 2.304 billion yuan, with the top five shareholders holding 54.21% and China Great Wall Asset controlling 40.92% [2]. Group 2: Recent Shareholding Changes - In June 2025, China Great Wall Asset announced the public transfer of its 40.92% stake in Changcheng Huaxi Bank for 4.332 billion yuan, marking the exit of a core shareholder after 11 years [3]. - Sichuan Bank was approved to acquire the entire stake, becoming the largest shareholder with a 40.92% ownership [3]. - The integration of state-owned assets has strengthened the bank's capital base, with Chengdu Jiahui Real Estate Co., Ltd. acquiring additional shares, further enhancing the bank's stability [3]. Group 3: Business Growth and Strategy - The bank has focused on serving local economies and small to medium-sized enterprises, establishing a network of 56 branches and maintaining a leading market share in Deyang [5]. - In 2024, Deyang's GDP reached 326.54 billion yuan, with a growth rate of 7.2%, providing a favorable environment for the bank's operations [5]. - The bank has actively supported local economic initiatives, including financing for key projects and innovative loan products tailored to regional needs [5]. Group 4: Financial Performance - From 2020 to the end of 2024, the bank's total assets grew from 113.577 billion yuan to 151.181 billion yuan, with total equity increasing from 8.658 billion yuan to 10.508 billion yuan [7]. - The bank's deposit structure has improved, with savings deposits rising from 40.66% in 2022 to 56.14% in 2024, enhancing liability stability [7]. - However, the bank's profitability has shown volatility, with net profit declining by 44% in 2022, followed by a rebound in 2023-2024, but still facing challenges in maintaining stable growth [8]. Group 5: Asset Quality and Risk Management - The non-performing loan (NPL) ratio decreased from 3.55% in 2020 to 1.62% in 2023, but rebounded to 2.03% in 2024 due to risks in real estate loans [10]. - The bank disposed of 1.964 billion yuan in non-performing loans in 2024, with a significant portion related to the real estate sector [10]. - The provision coverage ratio fell from 225.42% in 2023 to 169.97% in 2024, indicating a reduced capacity to absorb potential losses [10].