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 comprehensive analysis of the 13 urban commercial banks in Zhejiang Province, focusing on their shareholder structure, asset and liability conditions, operating income, profit situation, and asset quality. Shareholder Situation - Among the 13 urban commercial banks, Ningbo Bank and Hangzhou Bank are publicly listed on the A-share market. Zhejiang Tailong Commercial Bank and Zhejiang Chouzhou Commercial Bank have their top three shareholders primarily from private entities. Taizhou Bank's largest shareholder is China Merchants Bank [2][3]. Asset Situation - By the end of 2024, Ningbo Bank's total assets reached 3.13 trillion yuan, ranking first among urban commercial banks in Zhejiang, closely followed by Zhejiang Zheshang Bank at 3.33 trillion yuan. Hangzhou Bank's total assets were 2.11 trillion yuan, while Wenzhou Bank had 505.39 billion yuan, ranking third [4][6]. - The total assets of the other 10 banks were all below 500 billion yuan, with Ningbo Donghai Bank having the lowest at 19.12 billion yuan. All 13 banks showed positive growth in total assets compared to the end of 2023, with Ningbo Donghai Bank experiencing a significant increase of 37.19% [5][6]. Liability Situation - The ranking of liabilities among the 13 banks corresponds with their total assets, with growth rates generally aligning with asset growth [8][9]. - Core liabilities for these banks are primarily deposits, with Ningbo Donghai Bank having a deposit-to-liability ratio of 92.92%, and Taizhou Bank at 90.20%. The two publicly listed banks have deposit ratios below 65% [11]. Operating Income Situation - Ningbo Bank led with an operating income of 66.63 billion yuan in 2024, followed by Hangzhou Bank at 38.38 billion yuan. Three banks, including Tailong Bank, Taizhou Bank, and Chouzhou Bank, reported operating incomes exceeding 10 billion yuan [12][13]. - All 13 banks maintained positive growth in operating income, with Ningbo Donghai Bank showing the highest growth rate of 32.19% [13][14]. Profit Situation - Ningbo Bank achieved the highest net profit of 27.22 billion yuan in 2024, surpassing Zhejiang Zheshang Bank. Hangzhou Bank's net profit was 16.98 billion yuan [15][19]. - Other banks had net profits below 5 billion yuan, with Ningbo Donghai Bank reporting only 0.61 billion yuan [17][19]. Asset Quality and Other Situations - The overall asset quality of the 13 banks is good, with seven banks reporting non-performing loan (NPL) ratios below 1%. Both Ningbo Bank and Hangzhou Bank had NPL ratios of 0.76% [20][23]. - In terms of provision coverage ratio, Hangzhou Bank had the highest at 541.45%, while Min Tai Bank had the lowest at 134.27% [21][23]. - Tailong Bank reported the highest net interest margin at 3.71%, while Shaoxing Bank had the lowest at 1.23% [24].

3 月 29 日，六家 大型国有商业银行 （以下简称" 六大行 "）已全部公布 2024 年度财报。 截至 2024 年末，六大行 总资产 合计达到 199.67 万亿元。 2024 年营业收入合计 3.52 万亿元，净利 润合计达到 1.42 万亿元， 相当于 2024 年每天赚钱 39 亿元！ 工商银行仍是当之无愧的 "宇宙行"， 无论是总资产还是营业收入或净利润均依然位居"六大行"首 位 。农业银行总资产达到 43.24 万亿元，在资产方面延续 2023 年超过建设银行的姿态位列"六大行"第 二位。 建设银行在营业收入和净利润等盈利指标方面仍高于农业银行，在"六大行"中排第二位 。中国 银行主要规模类指标均位列第四，但依然远高于邮储银行和交通银行。 因此 "六大行"前四家与后两家存在明显断层，准确地应该是" 4+2 "大行，即工农建中"四大行"加 交通银行和邮储银行两大行 。 同比增速方面， 2024 年末 六大行总资产依然保持正增长 ，其中农业银行总资产规模增速最快，达 到 8.44% ，建设银行增速最慢，总资产增速为 5.86% 。营业收入和净利润方面， 工商银行和建设银行 2024 年出现 负增长 ...