年末将至，中小银行资本补充进入"冲刺期"，增资扩股、定向募股成为主流"补血"方式，新一轮资本补 充潮正加速袭来。 12月8日，苏州银行发布公告称，该行于当日收到大股东苏州国际发展集团有限公司（以下简称"国发集 团"）出具的《关于权益变动的告知函》。 公告显示，国发集团及其一致行动人东吴证券股份有限公司于2025年7月1日至2025年12月5日期间通过 深圳证券交易所交易系统集中竞价交易合计增持苏州银行股份4470.6654万股，占总股本的1.00%。 来源：金融时报 12月4日，湖南银行增资扩股工作正式收官的消息也引发了行业关注。湖南银行发布的公告显示，该行 于近日收到湖南金融监管局批复，批准该行增加注册资本10亿元人民币。 记者查询天眼查工商信息发现，目前，湖南银行已经发生工商变更，注册资本由约77.5亿元人民币增至 约87.5亿元人民币，增幅近13%。 此次增资的"含金量"颇高。据湖南银行透露，该行本次向9家特定对象发行10亿股普通股，共募集资金 人民币40.1亿元，扣除发行费用后，募集资金净额为人民币40.09亿元。其中，计入实收股本人民币10亿 元，计入资本公积人民币30.09亿元。在本次增资完成后， ...

Core Viewpoint - Jiujiang Bank plans to raise capital through a non-public issuance of up to 860 million domestic shares and 175 million H-shares to supplement its core Tier 1 capital, reflecting a broader trend among small and medium-sized banks to accelerate capital increases in response to regulatory requirements and to enhance service quality [1][2]. Group 1: Capital Increase Plans - Jiujiang Bank's capital increase aims to enhance its risk resistance and optimize its equity structure, with total shares potentially increasing from approximately 2.847 billion to 3.882 billion, a rise of over 36% [1]. - The bank's non-public issuance will target up to 35 qualified domestic institutional investors, while the H-shares will be offered to no more than 10 independent qualified investors [1]. Group 2: Industry Trends - Many small and medium-sized banks, including Qingdao Bank and Zhangjiakou Bank, are actively pursuing capital increases through various methods such as private placements, preferred shares, and convertible bonds [2]. - The urgency for capital replenishment among these banks is driven by the need to support the real economy, a narrowing net interest margin, and increasing market competition [2]. Group 3: Role of State-Owned Capital - Local state-owned capital has become a key player in the current round of capital increases for small and medium-sized banks, with examples including Hunan Bank and Inner Mongolia Bank, where state-owned entities have significantly increased their shareholding [3]. - The involvement of state-owned capital provides dual support of capital and credit, enhancing banks' risk resistance and improving governance stability [3].

Core Viewpoint - Jiujiang Bank plans to issue up to 860 million domestic shares and up to 175 million H-shares to enhance its core tier one capital and optimize its equity structure, marking its second capital increase plan in recent years [1][2][4] Group 1: Capital Increase Details - The funds raised will be used entirely to supplement core tier one capital, enhancing the bank's risk resilience and optimizing its equity structure [2] - If the issuance reaches its upper limit, Jiujiang Bank's total share capital will increase from 2.847 billion shares to 3.882 billion shares, representing a growth of over 36% [2] - The domestic shares will be issued to no more than 35 qualified domestic institutional investors, including major shareholders [2][4] Group 2: H-share Issuance - The H-share issuance will involve up to 175 million shares, targeting no more than 10 independent qualified investors [4] - The actual number of shares issued will depend on regulatory approvals and market conditions [4] - The pricing mechanism will consider the bank's financial status, market environment, and legal requirements, with H-share prices adjusted to align with domestic shares if issued simultaneously [4] Group 3: Industry Context - This capital increase is part of a broader trend among local banks, with state-owned capital playing a significant role in these initiatives [5][6] - Several local banks have launched capital increase plans this year, with state-owned entities as key investors, enhancing their capital adequacy and supporting local economic development [5][6][8] - The capital adequacy ratio for city commercial banks is currently lower than that of larger state-owned banks, highlighting the need for these capital increases [7][8]

Group 1 - The core viewpoint of the article highlights that small and medium-sized banks are undergoing a new round of capital replenishment, with over twenty banks, including Qingdao Bank, Zhangjiakou Bank, Langfang Bank, Rizhao Bank, and Baoding Bank, taking measures to increase capital this year [1] - The shareholders participating in the capital increase are mostly state-owned entities and some senior management personnel, indicating a strong confidence in the future development of these banks [1] - Industry experts suggest that the capital replenishment reflects positive signals to the market, and there is a need to continuously optimize policies and market environments to broaden the capital supplement channels for eligible small and medium-sized banks [1]

Core Points - Su Nong Bank plans to increase its registered capital from 1.803 billion to 2.019 billion yuan due to convertible bond conversion and capital reserve increase [1] - There is a trend among regional city commercial banks and rural commercial banks to frequently engage in capital increases and expansions through various methods such as introducing external shareholders, convertible bond conversions, and targeted placements [1][2] - The conversion of convertible bonds is expected to enhance the core Tier 1 capital of banks like Hangzhou Bank and Nanjing Bank, with their respective conversion ratios reaching 94.23% and 75.82% [2] - Several regional banks have received regulatory approval for their capital increase plans, indicating a significant demand for capital supplementation among these institutions [3] - The ownership structure of some banks is changing, with local state-owned enterprises increasingly appearing as shareholders following capital increases [4] Group 1 - Su Nong Bank issued 25 million convertible bonds in 2018, with a total of 31.9761 million shares added through conversion by 2024 [2] - The bank's recent capital increase involved a distribution plan that resulted in an actual increase of 184 million shares [2] - The capital increase is seen as a cost-effective way for small and medium-sized banks to enhance their capital adequacy ratio [3] Group 2 - The capital increase by banks like Hanko Bank involved issuing 873.53 million shares, raising 4.586 billion yuan, with local state-owned enterprises as primary investors [4] - Challenges faced by regional banks in capital supplementation include limited external financing channels and reduced net interest margins [5] - Experts suggest that supporting small and medium-sized banks in establishing long-term capital supplementation mechanisms is essential for improving their capital capabilities [5][6]