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 | | ...

Core Viewpoint - The six major banks in China have shown mixed performance in terms of total assets, operating income, net profit, net interest margin, non-performing loan ratio, and provision coverage ratio as of the first quarter of 2025, indicating varying levels of growth and challenges across the sector [1][3][5][7][9][11]. Total Assets - As of March 2025, the total assets of the six major banks reached 208.13 trillion yuan, a growth of 4.23% compared to the end of 2024 [1]. - The ranking by total assets is as follows: Industrial and Commercial Bank of China (ICBC) at 51.55 trillion yuan, Agricultural Bank of China (ABC) and China Construction Bank (CCB) both over 40 trillion yuan, Bank of China (BOC) at 35.99 trillion yuan, Postal Savings Bank of China (PSBC) at 17.69 trillion yuan, and Bank of Communications (BoCom) at 15.29 trillion yuan [1]. - ICBC and CCB had asset growth rates exceeding 5%, while BoCom had the slowest growth rate at 2.61% [1]. Operating Income - In the first quarter of 2025, the six major banks collectively achieved operating income of 910.18 billion yuan [3]. - The ranking by operating income is ICBC at 212.77 billion yuan, followed by CCB, ABC, and BOC all exceeding 150 billion yuan, PSBC at 89.36 billion yuan, and BoCom at 66.37 billion yuan [3]. - Only BOC and ABC experienced positive year-on-year growth in operating income, with BOC's growth rate at 2.56%, while the other four banks saw declines, with CCB experiencing the largest drop at -5.40% [3]. Net Profit - The total net profit for the six major banks in the first quarter of 2025 was 350.19 billion yuan [5]. - The ranking by net profit is ICBC and CCB both exceeding 80 billion yuan, with PSBC and BoCom around 25 billion yuan, and PSBC's net profit just 2.57 billion yuan less than BoCom's [5]. - Except for ABC and BoCom, the other four banks saw year-on-year declines in net profit, with ICBC experiencing the largest decrease at -3.81% [5]. Net Interest Margin - The net interest margin for the six major banks continued to decline in the first quarter, with PSBC having the highest margin at 1.71%, down 16 basis points from the full year of 2024, while BoCom's margin was only 1.23% [7]. Non-Performing Loan Ratio - As of March 2025, all banks except PSBC saw a decrease or stability in their non-performing loan ratios compared to the end of 2024, while PSBC's ratio increased by 1 basis point [9]. - In absolute terms, PSBC had the lowest non-performing loan ratio among the six banks at 0.91%, which is less than 70% of the other five banks [9]. Provision Coverage Ratio - As of March 2025, the provision coverage ratios for four of the six banks decreased compared to the end of 2024, except for ICBC and CCB [11]. - In absolute terms, ABC had the highest provision coverage ratio at 297.81%, followed by PSBC at 266.13%, while BOC's ratio fell below 200% to 197.97% [11].