这一城商行大额股权将被拍卖！

Core Viewpoint - Langfang Bank is facing significant operational pressure and declining performance, with asset quality risks increasing as it approaches 2025, which is deemed a critical year for the bank's turnaround [1][2]. Group 1: Financial Performance - In 2024, Langfang Bank reported an operating income of 3.613 billion yuan, a year-on-year decrease of 20.83%, and a net profit attributable to shareholders of 243 million yuan, down over 50% [7]. - The bank's total assets decreased by 1.82% year-on-year, totaling 302.837 billion yuan by the end of 2024 [7]. - The non-performing loan ratio rose to 2.44%, an increase of 0.41 percentage points from the end of 2023, while the provision coverage ratio fell significantly to 104.29%, below regulatory requirements [7]. Group 2: Shareholder Changes - Langfang City Investment Holding Group has become the largest shareholder of Langfang Bank, increasing its stake to 19.99% after acquiring shares from other shareholders [10][11]. - The bank's top five shareholders as of the end of 2024 included various companies, with the largest being Langfang City Investment Holding Group [10]. Group 3: Strategic Outlook - The bank aims to leverage the support of local state-owned enterprises to optimize its shareholder structure and stabilize its development expectations [12]. - Langfang Bank has outlined a three-year transformation plan, emphasizing the importance of 2025 as a pivotal year for its strategic initiatives, focusing on enhancing service capabilities and integrating with local economic development [12].