业绩暴跌93%后，山西银行靠“炒股”暴赚7000万？

Core Viewpoint - Shanxi Bank's strategic stock reduction from Taihao Technology has transformed its financial position from a significant loss to a profit exceeding 140 million yuan, raising questions about the bank's investment strategies and future profitability [2][12][20]. Group 1: Stock Reduction Details - On May 19, Shanxi Bank reduced its stake in Taihao Technology by 0.21%, bringing its ownership down from 5.21% to 5.00% [4][10]. - The bank's first reduction plan was executed between November 15 and December 27, 2024, where it sold 7.6 million shares at an average price of 6.67 yuan, totaling approximately 50.7 million yuan [9][13]. - The second reduction occurred on May 19, 2025, with the sale of 175,470 shares at an average price of 9.11 yuan, amounting to about 1.6 million yuan [10][13]. Group 2: Financial Impact - Shanxi Bank has realized nearly 70 million yuan from these stock reductions, significantly aiding its financial situation, especially given its net profit of only 51 million yuan in 2024 [12][14]. - The bank's remaining 5% stake in Taihao Technology, valued at approximately 3.77 billion yuan, indicates a potential profit of around 148 million yuan if sold at current market prices [20][21]. Group 3: Background and Context - Shanxi Bank was established in 2021 through the merger of five local banks, with the Shanxi Provincial Finance Department as the major shareholder [23]. - The bank's financial performance has been under pressure, with a 93.86% drop in net profit in 2024 compared to 2023, attributed to high-risk bank mergers, fee reductions, and increased provisions for bad debts [24]. - The bank's non-performing loan ratio increased from 1.74% to 2.5%, highlighting ongoing financial challenges [24]. Group 4: Market Position and Future Outlook - Shanxi Bank's valuation has decreased by 2.66 billion yuan compared to 2023, now estimated at 23.3 billion yuan [25]. - To strengthen its capital base, the Shanxi Financial Regulatory Bureau approved a capital increase from the provincial finance department, which will enhance the bank's financial stability [26].