中原银行和郑州银行是河南最大的两家城商行，现对两家银行进行对比分析如下： 中原银行 是在河南省内除郑州外 16 个地级市的城市商业银行基础上分别于 2014 年和 2022 年分两 次合并成立， 属于省级城商行 。从其董事长（原河南鹤壁市市长）和行长履历看， 中原银行行政级别 为厅局级 。 郑州银行前身是 1996 年在原郑州市 48 家城市信用社基础上组建的郑州合作银行，分别于 2000 年 和 2009 年更名为郑州市商业银行和郑州银行，属于市级城商行。从其董事长是原中国农业银行地市分 行行长看， 郑州银行行政级别可能为处级 （毕竟郑州也仅是厅级城市）。 资本市场 郑州银行比中原银行要先登陆资本市场。 郑州银行目前是 " A+H "境内外两地上市的商业银行 。其于 2015 年先在香港上市（股票代码为 6196.HK ），又于 2018 年在深交所上市（股票代码为 002936.SZ ）。 中原银行于 2017 年才在香港上市（股票代码 1216.HK ）， 目前尚未在 A 股上市。 区域分布 中原银行是在河南各市城商行基础上合并而成，因此基本从其成立之日起就将经营区域覆盖了河南 全省各市，实现分支机构网 ...

当日主力资金净流入223.52万元，占流通市值的0.02%。 风险提示：股市有风险，投资需谨慎。 公司在互动平台表示，当前经营运行稳健，主要经营指标稳中向好，整体发展态势良好。针对近期股价 波动，公司认为受宏观经济形势、行业估值调整及市场情绪变化等多重市场因素影响。此外，公司明确 表示江南水务与新国联不构成一致行动人。 截至2025年7月29日收盘，江阴银行股价报4.71元，较前一交易日下跌0.84%。当日成交量为256563手， 成交金额达1.21亿元。 江阴银行是江苏省内重要的区域性商业银行，主营业务包括公司银行业务、个人银行业务和资金业务 等。公司总市值115.93亿元，市盈率8.11倍，市净率0.63倍。 ...

在近期多家上市银行股价连创历史新高之际，部分非上市的中小银行股权交易却经历着无人问津的尴尬 ——折价拍卖、1元起拍、多次流拍……截至7月19日23时，阿里法拍平台显示，正在进行的114场银行 股权拍卖中，仅有7场拍卖有竞拍者报名，报名人数最多的一场为4人，其余107场拍卖均显示"0人报 名"。 王蓬博指出，面对这些挑战，中小银行需转变经营理念，走普惠化、本土化、数字化之路；提升风险管 理能力，完善公司治理，明确经营权责，优化业务结构，拓展多元化收入来源；同时积极把握政策机 遇，如利用专项债补充资本。 展望下阶段，上海金融与发展实验室主任、首席专家曾刚认为，随着金融环境变化和政策差异化实施， 拥有资本实力、网点优势、科技能力的头部银行将获得更多发展机会，而部分中小银行可能面临经营压 力。 苏商银行研究院高级研究员杜娟表示，中小银行大额股权"折价"拍卖仍遇冷，原因或涉及多方面。例 如，财务型投资人可选渠道更广，如购买上市银行股票、可转债等；部分银行对入股股东设特定资质门 槛。此外，一些银行在规模、业绩、资产质量等方面缺乏亮点，也削弱了股权吸引力。 博通咨询金融业资深分析师王蓬博认为，当前部分中小银行尤其是区域性银 ...

Financial Performance - The company reported a revenue of 20.093 billion RMB for the first half of 2025, an increase of 3.89% compared to the same period last year [1][2] - The net profit attributable to shareholders reached 11.662 billion RMB, reflecting a growth of 16.67% year-on-year [1][2] - The basic earnings per share increased to 1.75 RMB, up by 6.71% from 1.64 RMB in the previous year [1] Asset and Liability Overview - As of June 30, 2025, total assets amounted to 223.5595 billion RMB, representing a 5.83% increase from the end of the previous year [2] - Total loans reached 100.9418 billion RMB, marking a growth of 7.67% [2] - Total deposits were reported at 133.8282 billion RMB, which is a 5.17% increase [2] Asset Quality - The non-performing loan ratio stood at 0.76%, unchanged from the previous year [1] - The provision coverage ratio decreased to 520.89%, down by 20.56 percentage points [1] - The loan-to-deposit ratio was reported at 3.95%, a decrease of 0.16 percentage points [1]

事实上，今年以来，已有多家中小银行的大额股权在司法拍卖平台挂牌转让，其中不少即便打折出售， 仍难逃流拍结局。例如，山东寿光农商银行1765.24万股股权已于7月14日公开拍卖，评估价3195.09万 元，起拍价2556.1万元，较评估价打八折；河南登封农商银行5000万股股权拆分为两笔，已于7月10日 公开拍卖，评估价1.225亿元，起拍价1亿元，较评估价约打八折。 杜娟表示，中小银行大额股权"折价"拍卖仍遇冷，原因或涉及多方面。例如，财务型投资人可选渠道更 广，如购买上市银行股票、可转债等；部分银行对入股股东设特定资质门槛；此外，一些银行在规模、 业绩、资产质量等方面缺乏亮点，也削弱了股权吸引力。 博通咨询金融业资深分析师王蓬博对《证券日报》记者表示，当前部分中小银行尤其是区域性银行面临 多重挑战。从内部看，经营理念滞后，精细化管理与运营效率不足；风险管理部门专业化程度低，信贷 审批与贷后管理能力不足，导致不良贷款率较高。从外部环境而言，市场竞争加剧，大型银行"下沉"、 新兴金融机构崛起，持续挤压客户资源与市场份额。 王蓬博认为，面对这些挑战，中小银行需转变经营理念，走普惠化、本土化、数字化之路；提升风险管 ...

Core Viewpoint - The article provides an overview of the current status of the five city commercial banks in Guangdong Province, highlighting their shareholder structures, asset and liability conditions, operating income, profit situations, and asset quality, indicating a challenging environment for these banks despite being located in a prosperous region like the Pearl River Delta [1][6][11][19]. Shareholder Situation - All five city commercial banks in Guangdong are not listed on the capital market [2]. - The major shareholders of these banks include local government entities and state-owned enterprises, with Guangzhou Bank and Dongguan Bank having local government capital among their top shareholders [3][4][5]. Asset Situation - As of the end of 2024, Guangzhou Bank has the largest total assets at 854.805 billion, followed by Dongguan Bank at 672.730 billion; the other three banks have total assets below 500 billion, with Nanyue Bank at only 332.676 billion [6]. - All five banks experienced positive asset growth compared to the end of 2023, with Huaren Bank showing the highest growth rate of 11.61%, while Guangzhou Bank's growth was the slowest at 2.77% [7]. Liability Situation - The liability ranking of the five banks corresponds with their total asset ranking, with growth rates generally aligning with total asset growth [8]. - The total liabilities and deposit amounts for each bank are detailed, with Dongguan Bank having the highest deposit growth rate at 6.92% [9][10]. Operating Income Situation - Guangzhou Bank leads in operating income for 2024 at 13.785 billion, while Nanyue Bank's income is only 2.844 billion, significantly lower than the others [11]. - Four of the five banks, excluding Huaren Bank, reported negative growth in operating income, with Guangzhou Bank experiencing a decline of 13.86% [12]. Profit Situation - The net profit ranking differs from total assets and operating income, with Guangzhou Bank's net profit at only 1.012 billion, a significant drop of 66.47% [15][16]. - Four banks, excluding Nanyue Bank, saw declines in net profit, with Guangzhou Bank and Huaren Bank's declines exceeding 65% [17]. Asset Quality and Other Situations - The asset quality among the five banks varies, with Dongguan Bank having a non-performing loan ratio of 1.01%, while Nanyue Bank's ratio is as high as 2.42% [19]. - The provision coverage ratio is highest for Dongguan Bank at 212.01%, compared to Nanyue Bank's 114.72% [20]. - The net interest margin for the banks is generally low, with Nanyue Bank's margin at only 0.54% [22].

Core Viewpoint - The article provides a comparative analysis of Qilu Bank and Qingdao Bank, two leading city commercial banks in Shandong province, highlighting their financial performance, operational strategies, and market positioning. Group 1: Background and Ownership - Both Qilu Bank and Qingdao Bank were established in 1996, evolving from local credit cooperatives into city commercial banks, with name changes occurring in 2008 and 2009 respectively [3]. - The largest shareholders of both banks are foreign banks, with Qilu Bank's largest shareholder being the Commonwealth Bank of Australia (15.43% stake) and Qingdao Bank's largest shareholder being the Italian bank Unione di Banche Italiane (17.50% stake) [4]. Group 2: Capital Market and Regional Distribution - Qingdao Bank was the first to enter the capital market, listing on the Hong Kong and Shenzhen stock exchanges in December 2015 and January 2019, respectively, while Qilu Bank listed on the New Third Board in 2015 and transitioned to the Shanghai Stock Exchange in 2021 [5]. - As of February 2025, Qingdao Bank has established branches in all 16 cities within Shandong province, while Qilu Bank has not yet achieved full coverage, lacking branches in Jining and Zaozhuang but has a branch in Tianjin [5]. Group 3: Financial Performance - As of 2024, Qingdao Bank's total assets are approximately 689.96 billion, slightly higher than Qilu Bank's 689.54 billion. However, Qilu Bank's net profit of 49.86 billion exceeds Qingdao Bank's 42.64 billion by 7.22 billion [8][11][13]. - Both banks have a loan-to-asset ratio below 50%, with company loans making up about 71% of total loans for both banks [9]. - Qingdao Bank has a slightly lower non-performing loan (NPL) ratio of 1.14% compared to Qilu Bank's 1.19%, but its overdue loan ratio is higher [10][21]. Group 4: Cost Management and Employee Compensation - Qingdao Bank's cost-to-income ratio is higher at 34.95% compared to Qilu Bank's 27.41%, indicating more efficient cost management at Qilu Bank [24]. - In 2024, Qingdao Bank's business and management expenses reached 4.717 billion, significantly higher than Qilu Bank's 3.413 billion, with a notable difference in employee compensation, where Qingdao Bank's employee salary expenses were 2.509 billion compared to Qilu Bank's 1.938 billion despite having fewer employees [26].

Group 1: Company Overview - Zhuhai China Resources Bank was established in 1996 and restructured in 2010, with China Resources Group becoming the major shareholder [1][3] - The bank has expanded its branches across nine cities in Guangdong Province, indicating a strong presence in the economically prosperous Pearl River Delta [1] - As of the end of 2024, the bank has 139 shareholders, including major state-owned enterprises like China Resources Group and Southern Power Grid [3] Group 2: Financial Performance - As of the end of 2024, the total assets of China Resources Bank reached 434.04 billion, a year-on-year increase of 11.61% [6] - Despite asset growth, the bank's operating income growth has slowed, with a 2024 operating income of 7.132 billion, reflecting a year-on-year growth of only 4.87% [8] - The net profit attributable to shareholders plummeted to 444 million in 2024, marking a staggering decline of 68.21% compared to 2023 [10] Group 3: Interest Margin and Deposit Composition - The bank's net interest margin has significantly decreased from over 2% in 2021 to 1.23% in 2024 [11] - The proportion of time deposits has increased dramatically, exceeding 70% by the end of 2024, which contributes to the narrowing interest margin [13][15] Group 4: Asset Quality and Impairment - The non-performing loan (NPL) ratio was 1.65% at the end of 2024, showing a slight improvement from 1.73% in 2023 [16] - However, overdue loans surged to 8.066 billion, with an overdue rate of 3.35%, indicating potential asset quality issues [16] - The bank has significantly increased impairment provisions over the past three years, with provisions of 2.085 billion, 2.967 billion, and 4.292 billion in 2022, 2023, and 2024 respectively, which has directly impacted profitability [16][17]

截至目前，浙江省共有 13 家城市商业银行 ，分别是位于宁波的宁波银行、宁波通商银行、宁波东 海银行（ 3 家）；位于台州的台州银行、浙江民泰商业银行、浙江泰隆商业银行（ 3 家）；位于金华的 金华银行和浙江稠州商业银行（ 2 家）；以及杭州银行、温州银行、绍兴银行、嘉兴银行和湖州银行。 衢州、丽水和舟山 3 个浙江地级市尚无城商行 。 一、股东情况 其中宁波银行和杭州银行已经在 A 股上市； 浙江泰隆商业银行和浙江稠州商业银行前三大股东均 为民营单位 （看上去似乎更像是民营银行）；台州银行的第一大股东是 招商银行 。 浙江 13 家城市商业银行及其前三大股东如下表： | 银行名称 | 前三大股东 | | --- | --- | | 宁波银行股份有限公司 | 宁波开发投资集团有限公司(18.74%); | | | 新加坡华侨银行股份有限公司(18.69%); | | | 雅戈尔时尚股份有限公司(10%) | | 杭州银行股份有限公司 | 杭州市财开投资集团有限公司（18.17%）; | | | 红狮控股集团有限公司(11.09%) ; | | | 杭州市城市建设投资集团有限公司 (6.85%) | | 浙江泰 ...

一场路边摊的 "宴请"引起了一场大讨论，"出圈"了一家县域农商行。 一、事件缘起 两名客户经理在面馆与贷款客户共同用餐，餐费由客户支付，引发 "违规接受客户宴请"之规定。 据说"宴请"之干扣面价值为 6 元一碗，而处罚则是" 各核减绩效 3000 元 "，管理责任人还" 核减绩效 1000 元 "。 以 6 元对 7000 元，该农商行"治腐"力度不可谓不大，充分展示了什么叫"勿以恶小而为之"，并随 即引起网络大讨论。 一碗干扣面到底够不够得上 "宴请"两字？ 二、发展历史及股东情况 涡阳农商行前身是涡阳农村信用合作联社，于 2014 年改制并更为现名。涡阳农商行以服务"三 农"、服务中小微企业和服务县域经济为主要战略。 根据企查查并结合 2024 年信息披露，涡阳农商行目前注册资本为 7.62 亿元，但 实收资本为 9.53 亿元 （实收资本高于注册资本）， 共有 1869 个股东 ，其中法人股东 24 个，自然人股东 1845 户（内 部职工股 611 户、社会自然人股 1234 户）；法人股东持股占比 64.69% ，自然人股东持股 35.31% 。 | 股东类别 | 年初余额 | | 年末余额 | | ...