12月10日，上海银行发布2024年度10位高管薪酬公告。经考核及主管部门确认，其中5人总薪酬较上一年上涨，涨 幅均超22万元。该行行长施红敏总薪酬涨幅最大，同比上涨50.34万元，总薪酬达262.98万元；而该行原董事长金 煜出现降薪，总薪酬同比下降4.46万元至144.83万元，其余有4名高管于2024年离任或新上任。在多位高管涨薪的 同时，据财报披露，上海银行2024年绩效薪酬追索扣回总额达到1707.03万元。 行长、副行长薪酬普涨，原董事长被降薪 根据上海银行12月10日公布的2024年度高管薪酬，10位高管薪酬由应付年薪、社会保险等福利缴存部分以及中长 期激励收入构成。 从财务数据看，上海银行高管薪酬调整与业绩表现密切相关。在经历营收连续两年下跌后，2024年该行营收同比 回升4.8%至529.9亿元，净利润同比增长4.4%至235.6亿元；去年末不良率同比下降0.03个百分点至1.18%。2025年 前三季度，该行营收、净利润同比分别增长4.04%、2.66%，延续增长态势，季末不良率与去年末持平。 不过，上海银行仍面临竞争挑战。此前，上海银行总资产、营收、净利润曾长期位居全国城商行第二，但近年 ...

Core Viewpoint - Guangzhou Rural Commercial Bank is facing significant challenges, including a request for employees to return holiday bonuses, which may reflect broader issues in the banking sector regarding performance and compensation amid declining profits and asset quality pressures [4][10][25]. Employee Compensation and Requests - The bank has requested employees to return approximately 14,000 yuan in holiday bonuses issued over the past three years, potentially totaling around 180 million yuan, which represents about 13% of the bank's net profit for the first half of 2025 [5][10][12]. - The bank's response to this request is framed as an effort to "standardize the issuance of allowances and benefits" [12]. - Employee compensation has been declining, with total employee compensation for 2024 reported at 4.074 billion yuan, a decrease of 5.53% year-on-year [22]. Financial Performance - The bank's revenue has decreased from 22.5 billion yuan in 2022 to 15.8 billion yuan in 2024, with net profit dropping from 3.5 billion yuan to 2.1 billion yuan during the same period [25]. - In the first half of 2025, the bank reported a revenue increase of 9.24% to 8.024 billion yuan, but net profit fell by 6.83% to 1.374 billion yuan, marking the fourth consecutive year of declining mid-year profits [25][26]. Asset Quality and Risk Management - The bank's non-performing loan (NPL) ratio rose to 1.98% in the first half of 2025, reversing a two-year downward trend [28]. - The bank is actively engaged in asset sales to manage risk, with a recent announcement of a potential sale of debt assets valued at approximately 12.2 billion yuan [33][35]. - The bank has transferred a total of 48.11 billion yuan in debt assets since 2023, indicating a strategy to alleviate pressure on asset quality [36]. Industry Context - The banking sector is experiencing tightening profit margins and performance pressures, leading to a trend of "reverse salary requests" where banks seek to reclaim bonuses from employees due to performance issues [6][14]. - The bank's performance is notably weaker compared to its peers, with its net profit significantly lower than other major rural commercial banks [25][26].

Core Viewpoint - The article discusses the recent controversy surrounding Guangzhou Rural Commercial Bank's demand for employees to return holiday bonuses, highlighting the bank's financial struggles and the implications for employee morale and industry practices [3][5]. Group 1: Employee Refunds - Guangzhou Rural Commercial Bank is requesting employees to return holiday bonuses totaling approximately 1.4 million yuan per person, which could amount to around 180 million yuan if all employees comply [9][10]. - The bank justifies this action as a means to "further standardize the distribution of allowances and benefits" and claims it is in line with relevant regulations [11][18]. - Employees have expressed dissatisfaction, with many sharing their grievances on social media, indicating a growing discontent within the workforce [11][13]. Group 2: Financial Performance - The bank's total employee compensation for 2024 is projected to be 4.074 billion yuan, reflecting a 5.53% decrease year-on-year, marking the second consecutive year of decline [20][21]. - From 2022 to 2024, the bank's revenue decreased from 22.5 billion yuan to 15.8 billion yuan, and net profit dropped from 3.5 billion yuan to 2.1 billion yuan [23]. - In the first half of 2025, despite a 9.24% year-on-year revenue increase to 8.024 billion yuan, net profit fell by 6.83% to 1.374 billion yuan, indicating ongoing profitability challenges [23][26]. Group 3: Asset Quality Concerns - The bank's non-performing loan (NPL) ratio rose to 1.98% in the first half of 2025, reversing a two-year downward trend, with a significant portion of overdue loans posing a high risk of default [28][29]. - The bank is actively engaging in asset sales to mitigate risk, with plans to publicly auction a batch of debt assets valued at approximately 12.2 billion yuan [30][32]. - This marks the third consecutive year of significant asset disposals, with total debt transferred since 2023 reaching 48.11 billion yuan [32].