河北银行VS唐山银行：河北2家头部城商行的对决

Core Viewpoint - The article compares two leading city commercial banks in Hebei, namely Hebei Bank and Tangshan Bank, highlighting their differences in ownership structure, financial performance, and operational efficiency [2][41]. Ownership Structure - Hebei Bank has 5,124 shareholders, with the largest being State Energy Group Capital Holding Co., Ltd. at 19.02% [3]. - Tangshan Bank has 1,624 shareholders, with the largest being Tangshan Port Industrial Group Co., Ltd. at 11.66% [4][5]. - Hebei Bank is a provincial-level city commercial bank, while Tangshan Bank is a municipal-level bank, indicating a difference in administrative ranking [6]. Capital Market - Both banks have not yet achieved stock market listings [7]. Operational Area - Hebei Bank operates 263 branches across 11 cities in Hebei and has two branches outside the province [8]. - Tangshan Bank focuses solely on the Tangshan area, with 78 branches [8]. Subsidiaries - Hebei Bank has two subsidiaries, while Tangshan Bank has none [9][10]. Employee Situation - As of the end of 2024, Hebei Bank employs 6,323 staff, with 15.58% holding postgraduate degrees, while Tangshan Bank has 1,642 employees, with 18.21% holding postgraduate degrees [11][12]. Financial Performance - As of the end of 2024, Hebei Bank's total assets are 569.6 billion, while Tangshan Bank's total assets are 352.3 billion [14]. - Hebei Bank's operating income is 13.725 billion, compared to Tangshan Bank's 6.827 billion [14]. - Hebei Bank's net profit attributable to shareholders is 1.956 billion, significantly lower than Tangshan Bank's 3.393 billion [14]. Asset Quality - Hebei Bank's non-performing loan (NPL) ratio is 1.50%, while Tangshan Bank's is 0.82% [15][32]. - The provision coverage ratio for Hebei Bank is 184.51%, compared to Tangshan Bank's 639.69% [15][34]. Profitability - Hebei Bank's net interest margin is 1.61%, lower than Tangshan Bank's 1.73% [16]. - Overall, Tangshan Bank demonstrates better operational efficiency and profitability compared to Hebei Bank [17][42]. Long-term Trends - Over the past decade, Hebei Bank has consistently maintained higher total assets and operating income than Tangshan Bank, but its profitability has fluctuated significantly [18][20][24]. - In 2024, Hebei Bank's net profit was only 57.65% of Tangshan Bank's [42]. Business Structure - Both banks primarily generate revenue from net interest income, with Hebei Bank experiencing a significant drop in this ratio in 2024 [25]. - The loan-to-asset ratio for both banks has been increasing, with Hebei Bank having a lower ratio compared to Tangshan Bank [27]. Salary and Benefits - Hebei Bank's total employee compensation in 2024 was 2.051 billion, while Tangshan Bank's was 697 million [39]. - However, the average salary at Tangshan Bank is higher due to its smaller workforce [39].