以下文章来源于征探财经 ，作者征探君 征探财经 . 资本市场的征探君。把征探财经设置为星标，不会错过每篇文章哦～～ 来源丨征探财经 作者丨五仁 4月22日，上海银行（601229.SH）发布公告称，公司董事会收到董事长金煜的辞呈。因年龄原因，金煜辞去公司董事长、执行董事、董事会战略委 员会主任委员职务，辞任后不再担任公司任何职务。在新任董事长任职之前，由公司副董事长施红敏履行董事长及法定代表人职责。 同日，上海银行官方公众号上银微动态发文称，4月22日，上海银行召开领导班子调整宣布会顾建忠同志任上海银行股份有限公司党委书记，并提名 任董事长；金煜同志不再担任上海银行股份有限公司党委书记、董事长职务。 资料显示，金煜现年60岁，2015年6月出任上海银行董事长，至今已10年。顾建忠则是上海银行老将，曾在上海银行工作17余年，历任上海银行多 个部门高管；2018年底又出任上海农商行（601825.SH）行长，推动其在A股上市。 近几年，上海银行从曾经的城商行"二哥"滑落至第四，2022年、2023年其营收分别下滑5.54%、4.8%，到2024年才重回正增长。同时，上海银行 还多次被行政处罚，顾建忠执掌之下，上海 ...

Investment Rating - The investment rating for the company is "Strong Buy" (maintained) [12] Core Views - The company reported a revenue of 66.6 billion yuan in 2024, representing a year-on-year growth of 8.2%, and a net profit attributable to shareholders of 27.1 billion yuan, up 6.2% year-on-year [4][7] - The annualized weighted average ROE for 2024 was 13.59% [4] - The company has increased its cash dividend proposal to 5.943 billion yuan, accounting for 22.77% of the net profit attributable to shareholders [4][7] Summary by Sections Financial Performance - The company's net interest income grew by 17.3% year-on-year, while non-interest income saw a decline of 9.9% [7] - The net interest margin at the end of 2024 was 1.86%, showing a slight improvement compared to the previous quarter [7] - Total assets increased by 15.3% year-on-year, with loans and deposits growing by 17.8% and 17.2% respectively [7][11] Asset Quality - The non-performing loan (NPL) ratio remained stable at 0.76% at the end of 2024, with a projected annualized NPL generation rate of 1.17% [8][10] - The company’s provision coverage ratio was 389%, indicating a strong buffer against potential loan losses [8][10] Future Projections - The company is expected to achieve earnings per share (EPS) of 4.38 yuan in 2025, 4.83 yuan in 2026, and 5.34 yuan in 2027, with corresponding profit growth rates of 6.5%, 10.3%, and 10.7% [7][11] - The projected growth rates for total assets, loans, and deposits are 13.3% to 17.0% over the next few years [11]

Core Viewpoint - Leshan Commercial Bank plans to issue a total of 30 billion RMB in interbank certificates of deposit for the year 2025, highlighting its growth strategy and financial stability [1] Financial Data - As of December 2024, Leshan Commercial Bank's total assets reached 202.39 billion RMB, an increase of 21.62 billion RMB from the beginning of the year, representing a year-on-year growth of 11.96% [2] - The bank's deposit balance was 139.92 billion RMB, up by 11.03 billion RMB, with a year-on-year growth of 8.56% [2] - Loan balances stood at 115.61 billion RMB, increasing by 6.73 billion RMB, with a year-on-year growth of 6.18% [2] - From 2022 to 2024, the bank's total assets grew at a compound annual growth rate (CAGR) of 11.5%, deposits at 10.8%, and loans at 21.6% [2] Profitability - In 2024, Leshan Commercial Bank achieved an operating income of 4.217 billion RMB, a year-on-year increase of 21.1%, and a net profit of 818 million RMB, up 33.9% [3] - The bank's net interest margin decreased to 2.06% in 2024 from 2.09% in 2022, indicating potential pressure on profitability due to market interest rate fluctuations and rising funding costs [3] Risk Management - The non-performing loan (NPL) ratio for 2024 was 1.48%, down from 1.53% in 2023, and significantly lower than the industry average of approximately 1.8% [4] - The bank's provision coverage ratio improved to 220.30% in 2024 from 194.56% in 2023, indicating enhanced risk management capabilities [4] Shareholder Structure - As of December 31, 2024, Leshan Commercial Bank's registered capital was 4.83 billion RMB, with the top ten shareholders holding a combined 72.85% stake [5] - The largest shareholder, Leshan State-owned Assets Investment Operation Group Co., Ltd., holds 14.38% of the shares [5]