湖北银行VS汉口银行：湖北两家城商行的PK

Core Viewpoint - The article compares two local commercial banks in Hubei Province, Hubei Bank and Hankou Bank, analyzing their backgrounds, financial performance, and operational metrics to determine which bank is superior [2][3]. Group 1: Background and Ownership - Hubei Bank was established in early 2010 through the merger of five city commercial banks in Hubei Province [3]. - The top shareholders of Hubei Bank include state-owned enterprises such as Hubei Hongtai Group (19.99%) and Hubei Transportation Investment Group (17.64%) [3]. - Hankou Bank originated from the Wuhan City Cooperative Bank established in 1997 and was renamed in 2008 [3]. - The top shareholders of Hankou Bank include Wuhan Financial Holding Group (11.62%) and Lenovo Holdings (11.10%) [5]. Group 2: Capital Market Status - As of now, neither Hubei Bank nor Hankou Bank is listed on the capital market [6]. Group 3: Operational Scope - Hubei Bank has 269 branches covering all 17 cities and 59 counties in Hubei Province, with no branches outside the province [7]. - Hankou Bank has 217 branches, with 147 located in Wuhan, and has established a branch in Chongqing [7]. Group 4: Subsidiaries - Hubei Bank holds a 31.91% stake in a consumer finance company [8]. - Hankou Bank controls two rural banks and has a 25% stake in a financial leasing company [8]. Group 5: Employee Metrics - Hubei Bank employs 5,952 staff, with 9.66% holding master's degrees or higher [9]. - Hankou Bank has 5,190 employees, with 18.02% holding graduate degrees or higher [10]. Group 6: Financial Performance - As of 2024, Hubei Bank's total assets are 523.11 billion, while Hankou Bank's total assets are 554.85 billion [12]. - Hubei Bank's net profit attributable to shareholders is 26.58 billion, significantly higher than Hankou Bank's 10.55 billion [12]. - Hubei Bank's non-performing loan ratio is 1.95%, better than Hankou Bank's 2.87% [14]. Group 7: Long-term Trends - Over the past decade, Hankou Bank's total assets have consistently exceeded those of Hubei Bank, but Hubei Bank's growth rate has been faster, reducing the gap from 64.55% in 2019 to 94.32% in 2024 [15]. - Hubei Bank's operating income has surpassed Hankou Bank's since 2019, with Hankou Bank's income at only 87% of Hubei Bank's in 2024 [17]. Group 8: Business Structure - Both banks primarily generate revenue from net interest income, but Hubei Bank's reliance on this has decreased from 95.39% in 2018 to 73.83% in 2024 [22]. - Hubei Bank's net interest margin has declined from 2.61% in 2020 to 1.62% in 2024, while Hankou Bank's has increased slightly from 1.02% to 1.33% [24]. Group 9: Asset Quality - Both banks have high non-performing loan ratios, with Hubei Bank's being lower than Hankou Bank's [29]. - Hubei Bank's provision coverage ratio is 236.22%, significantly higher than Hankou Bank's 148.66% [14][33]. Group 10: Compensation and Employee Costs - Hankou Bank's total employee cost in 2024 is 1.754 billion, higher than Hubei Bank's 1.694 billion, leading to a higher average salary at Hankou Bank [36].