Core Viewpoint - The banking industry is experiencing a significant salary reduction trend, particularly affecting high-level executives, with a notable increase in the number of banks reporting salary cuts and the extent of these reductions [2][3][5]. Group 1: Salary Reduction Trends - In 2023, 14 out of 42 listed banks in A-shares reported a decline in average salary, with the maximum drop reaching 13.59%. This number increased to 18 banks in 2024, with the maximum decline expanding to 15% [2]. - The total compensation for bank management decreased from 870 million yuan in 2023 to 700 million yuan in 2024, a drop of 19.5%. Meanwhile, the average salary for bank employees fell from 462,300 yuan to 444,900 yuan, a decrease of 2.68% [6][7]. Group 2: Executive Salary Cuts - A significant 78.5% of the management teams in listed banks saw their salaries decrease year-on-year in 2024. The average salary for executives in various banks has been notably impacted, with some banks experiencing drastic reductions [5][10]. - Specific banks like Everbright Bank and Zhejiang Commercial Bank saw executive salary reductions of 57.9% and 39.72%, respectively, indicating a trend where executive pay is being cut more severely than that of general employees [10]. Group 3: Factors Influencing Salary Changes - The primary driver of salary fluctuations in banks is the variable component of compensation, which is heavily influenced by the banks' revenue and profit conditions. The floating salary constitutes 65% of the total compensation, making it a critical factor [12][13]. - The banking sector is facing significant revenue pressures, with the average net interest margin dropping to 1.52% in 2024, a decline of 17 basis points from 2023. This has led to a 2.20% decrease in net interest income, marking two consecutive years of negative growth [14][15]. Group 4: Structural Adjustments and Policy Impacts - The banking industry is undergoing structural adjustments, with a focus on risk management and governance. Policies such as the "salary limit order" have imposed constraints on executive compensation, leading to a shift in how salaries are structured [16][17]. - The emphasis on "cost reduction and efficiency enhancement" has resulted in banks prioritizing compensation for frontline and value-creating positions, further contributing to the decline in executive salaries [18][17]. Group 5: Performance-Based Salary Recovery - The trend of "reverse salary recovery" has emerged, where banks reclaim performance bonuses from executives based on risk management failures. This practice aims to align compensation with long-term risk management rather than short-term performance [20][21]. - The total amount reclaimed through reverse salary recovery has approached 99 million yuan, indicating a significant shift in the banking industry's approach to executive compensation and risk management [20].

来源：大鱼财经工作室 近年来，在业绩承压必须"降本增效"的现实下，多数银行高管薪酬出现缩水。作为东三省城商行之一， 曾在2022年董事长税前薪酬高达299万元的哈尔滨银行，近两年来同样在降薪。 2022至2024年，哈尔滨银行董事以及监事的薪酬持续下降，三年来，董事及监事税前薪酬合计分别下降 了146万元、198.7万元、122.6万元。 其中，董事长邓新权的税前薪酬为166万元，较去年下降了14.3万元。而2022年时，邓新权的税前薪酬 高达299万元，在当时的银行业中"名列前茅"。 年报显示，去年该行多名董事会放弃税前薪酬，6名非执行董事2024年分别同意放弃税前薪酬金额14.4 万元、16.8万元、7.7万元、13.6万元、8000元及9000元；1名独立非执行董事同意放弃税前薪酬金额3.3 万元，合计放弃57.5万元。 总体员工的薪酬也在持续下降，2024年，哈尔滨银行职工费用合计为25.78亿元，人均薪酬为29.09万元 （职工费用/年末职工数量），同比下降了8.21万元。 去年，哈尔滨银行向员工"反向讨薪"，2024年绩效薪酬追索扣回209万元，涉及116人次。 哈尔滨银行去年业绩增长较为迅速，2 ...