深蓝财经 . 影响价值圈层！创立于2011年，关注中国最具价值公司，是新中产的财富顾问。 导语：上万名员工 人均年薪超30万，广州农商行一年超40亿元的薪酬成本可不低 。 继"反向讨薪"之后，银行"反向讨福利"再引热议。这次的主角是总资产超万亿元的港股上市银行广州农商银行（01551.HK)，该行要求员工退回 近三年发放的过节费，每人约1.4万元。 以下文章来源于深蓝财经 ，作者深蓝财经 截至2025年上半年，广州农商银行员工总数为13029人。若全员均需退回，总金额或达约1.8亿元。 这笔意外"回流"的资金，对于正面临业绩下滑与资产质量压力的广州农商行而言，虽不能从根本上扭转局面，至少也能在账面上减轻一点压力。 而随着银行业强化绩效薪酬的延期支付和追索扣回机制成为常态，未来类似的变相"退薪"要求，或许还会在更多银行出现。 捧着"银饭碗"的打工人，正越来越不易。 每人退回近1.4万元，银行回应称"规范发放" 据第一财经报道， 近日，多名某农商行员工在社交平台上发帖称，该行要求员工退回3年前至今的过节费。此事引发业内关注。 "要求先交2500元，剩余部分在工资中倒扣。"一名该行员工称。另一名员工也表示，没有看到 ...

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].