以下文章来源于风财眼 ，作者银行财眼 风财眼 . 风财眼致力于银行领域的原创报道，旨在履行媒体监督职责，以期共营健康的金融环境。 来源丨 凤凰网财经《银行财眼》 2026年刚开年，总资产超9000亿的广州银行却有点"烦"。 近日，广州银行信用卡中心中山分中心获批关停，此前江门分中心已于月初停业，成为年内首家官宣收缩信用卡业务的城商行。同在1月初，广州银 行肇庆分行4天内连收两笔监管罚单，合计罚款200万元，违规事项均与贷款业务相关。 一边是曾领跑城商行的信用卡业务逐步收缩，一边是合规漏洞接连显现，这波开年烦心事，正是这家老牌城商行盈利下滑、资产质量承压下多重困境 的缩影。 01 两家信用卡分中心关停 1月上旬，国家金融监管总局江门、中山监管分局相继批复，同意广州银行信用卡中心江门、中山分中心终止营业。其中，江门分中心2022年底才成 立，运营不足3年便仓促退场。 凤凰网财经《银行财眼》注意到，接连关闭信用卡分中心的背后，是广州银行信用卡业务规模持续缩水的尴尬处境。 作为零售"王牌"，广州银行信用卡业务曾风光无限。自2012年正式发卡后，仅用5年便跻身城商行信用卡业务第一梯队。 数据显示，2018年末，该行信用 ...

Core Viewpoint - Minsheng Bank's performance in the first half of 2025 shows a contradiction between revenue growth and a decline in net profit, indicating growth bottlenecks and deeper structural issues within its business [1][3]. Financial Performance - As of June 30, 2025, Minsheng Bank's total assets were 7.77 trillion RMB, a decrease of 0.59% from the end of the previous year. The bank achieved operating income of 72.384 billion RMB, a year-on-year increase of 7.83%, while net profit attributable to shareholders fell by 4.87% to 21.38 billion RMB [3][4]. - The bank's net interest income was 49.203 billion RMB, a slight increase of 1.28%, while non-interest income surged by 25% to 23.181 billion RMB, indicating a reliance on non-traditional income sources [5][6]. Asset Quality and Risks - The total non-performing loans (NPLs) amounted to 66.052 billion RMB, with an NPL ratio of 1.48%, showing a slight increase from the previous year. The bank's credit card segment is facing rising risk pressures [9][10]. - The real estate sector's NPL ratio improved significantly from 5.01% to 3.48%, while corporate NPLs decreased, indicating a mixed performance across different sectors [9][10]. Regional Performance - There is a notable regional performance disparity, with the core economic areas like the Yangtze River Delta and Pearl River Delta showing stable growth, while the Bohai Rim region reported operational losses, highlighting the need for better risk management and resource allocation [11][12][15].