此次股权受让完成后，国联发展合计持有锡商银行5亿股股份，持股比例达25%。随后，锡商银行发布公告称，已严格遵照有关法律法规完成上述变更股权 事宜。并表示将进一步加强经营管理，完善公司治理，维护客户、股东及各利益相关方的合法权益。 公开资料显示，无锡锡商银行是全国第十九家、江苏省第二家民营银行。注册资本人民币20亿元，由红豆集团有限公司等江苏省内多家民营企业共同发起设 立，于2020年4月16日正式开业。 从经营数据来看，2024年锡商银行营收为11.85亿元，同比下降超26%；不过，其净利润实现4.20亿元，同比增长8.39%。截至2024年末，该行不良贷款率升 至1.25%，较2023年末上升0.57个百分点。 自成立以来，红豆集团一直是锡商银行的第一大股东。截至2024年末，锡商银行共有9户股东，其中红豆集团以5亿股的持股数量、25%的持股比例稳居第一 大股东之位。而此次股权变更后，锡商银行的第一大股东正式变更为国联发展。官网信息显示，国联发展是由无锡市政府出资设立的国有资本投资运营和授 权经营试点企业。 值得注意的是，此前，国家金融监督管理总局江苏监管局8月1日披露，李军担任锡商银行董事、董事长的任职资 ...

Core Viewpoint - Hengfeng Bank has undergone significant changes in its ownership structure and financial performance, transitioning from a municipal state-owned bank to a provincial state-owned bank, with a notable increase in total assets and net profit as of the end of 2024 [1][3]. Group 1: Ownership Structure - Hengfeng Bank was established in 1987 as Yantai Housing Savings Bank and restructured in 2003 [1]. - Before 2019, the largest shareholder was Yantai Lantian Investment Holding Co., Ltd. with a 20.59% stake, followed by Singapore's UOB with 13.16% [1]. - In 2019, Central Huijin became the largest shareholder with a 53.95% stake after injecting capital, while Shandong Financial Asset Management Co., Ltd. held 32.37% [1]. - By the end of 2024, Shandong Financial Asset Management Co., Ltd. became the largest shareholder with 46.61% after acquiring additional shares, while Central Huijin's stake decreased to 40.46% [1]. Group 2: Financial Performance - As of the end of 2024, Hengfeng Bank's total assets reached 1.54 trillion yuan, reflecting a year-on-year growth of 6.64% [1]. - The bank achieved an operating income of 25.775 billion yuan, a year-on-year increase of 1.98% [1]. - The net profit attributable to shareholders was 5.454 billion yuan, marking a year-on-year growth of 5.99% [1]. Group 3: Organizational Structure - Hengfeng Bank's headquarters consists of 25 departments, unchanged from 2023, categorized into six major areas: business management, product management, risk management, comprehensive management, shared resources, and specialized institutions [2]. - The bank operates branches in 15 provinces, including major cities like Beijing, Shanghai, and Guangzhou, and has one subsidiary, Hengfeng Wealth Management Co., Ltd., along with five rural banks [3]. - The total number of employees in the Hengfeng Bank group is 12,323 as of the end of 2024 [3].