Bank of Guizhou Co., Ltd. (6199.HK) Bundle
Born in 2006 and rooted in Guiyang, Bank of Guizhou Co., Ltd. has expanded its reach across 88 counties to serve individuals, businesses and government with a full suite of financial services, achieved a milestone listing on the Hong Kong Main Board in 2019, and reinforced a mission to become a leading, customer-centric commercial bank through technology-driven solutions and regional leadership; its 2022 performance-posting a net profit of about RMB 6.5 billion (up 12% year-on-year) alongside a capital adequacy ratio of 13.5%-reflects steady growth and prudent risk management, while commitments such as allocating over ¥200 million to community programs and adopting the Equator Principles in 2020 underscore a values-driven approach-faithfulness, responsibility, innovation, conscientiousness, customer service, shareholder returns, employee value and social contribution-that fuels its vision to be the most heartfelt top-tier regional bank in China.
Bank of Guizhou Co., Ltd. (6199.HK) - Intro
Bank of Guizhou Co., Ltd. (6199.HK) is a regional commercial bank headquartered in Guiyang, Guizhou Province, established in 2006 and listed on the Main Board of the Hong Kong Stock Exchange in 2019. The bank serves individuals, enterprises, and government entities across Guizhou, with an extensive network covering 88 counties and a strategic focus on regional economic development, technology-enabled services, and sustainable finance.- Founded: 2006
- HKEX listing: 2019 (Main Board, code 6199.HK)
- Network coverage: 88 counties in Guizhou Province
- Headquarters: Guiyang, Guizhou Province
- Mission: To become a leading commercial bank in China through customer-centric services, innovation in financial solutions, and integration of technology to enhance customer experience and operational efficiency.
- Vision: Strengthen its position as a top-tier regional bank by leveraging local advantages, improving service quality, and pursuing sustainable, efficiency-driven growth.
- Strategic priorities: deepen regional penetration, expand digital channels, optimize asset-liability structure, and pursue prudent risk management aligned with ESG principles.
- Faithfulness and responsibility: governance and compliance orientation.
- Innovation and conscientiousness: technology-driven service evolution.
- Serving customers and rewarding shareholders: balancing customer value and shareholder returns.
- Employee value and social contribution: human-capital development and regional public-good investments.
| Metric | Value (approx.) | Period / Note |
|---|---|---|
| Total assets | RMB 436.7 billion | Most recent reporting period |
| Total loans | RMB 260.3 billion | Gross loans outstanding |
| Total deposits | RMB 300.1 billion | Customer deposits |
| Non-performing loan (NPL) ratio | 1.45% | Industry-comparable regional figure |
| Capital adequacy ratio (CAR) | 11.2% | Post-provision capital metric |
| Return on assets (ROA) | 0.45% | Annualized |
| Return on equity (ROE) | 6.1% | Annualized |
| Branches and outlets | Hundreds across 88 counties | Retail and corporate footprint |
- Adopted the Equator Principles in 2020 to align project financing with global environmental and social risk management standards.
- Continues to integrate ESG considerations into credit assessment and product design, prioritizing green financing for regional infrastructure and SMEs.
- Regional depth: dense branch network and established relationships with local governments and enterprises.
- Digitalization: investments in mobile and online banking to improve channel efficiency and customer acquisition.
- Asset-liability optimization: focus on deposit mobilization and granular retail lending to improve net interest margins and liquidity profile.
- Risk discipline: proactive provisioning and portfolio management to contain credit volatility.
Bank of Guizhou Co., Ltd. (6199.HK) - Overview
Bank of Guizhou Co., Ltd. (6199.HK) positions itself as a customer-centric commercial bank driven by technology-enabled financial solutions, prudential risk management, and regional economic development. Its mission combines profitability with social responsibility, seeking sustainable growth through innovation, community engagement, and a strong capital base.- Mission: Deliver innovative, customer-first banking solutions while maintaining disciplined risk management and contributing to local development.
- Vision: Become a leading provincial commercial bank in China that leverages digital transformation to expand service reach and financial inclusion.
- Core values: Customer focus, innovation, responsibility, integrity, and community commitment.
| Metric | Value | Period / Note |
|---|---|---|
| Net profit | RMB 6.5 billion | 2022 (≈) |
| Net profit growth (YoY) | +12% | 2022 vs 2021 |
| Capital adequacy ratio (CAR) | 13.5% | End of 2022 |
| Regulatory minimum CAR | 10.5% | Regulatory requirement |
| Community investment / CSR | ¥200 million+ | 2021 total allocation to education, healthcare, environment |
- Technology integration: expanding digital banking platforms and fintech partnerships to improve customer experience and operational efficiency.
- Risk and capital management: maintaining CAR well above regulatory floors while balancing credit growth and asset quality.
- Community impact: targeted CSR and regional financing to support Guizhou's socio-economic development.
Bank of Guizhou Co., Ltd. (6199.HK) - Mission Statement
Bank of Guizhou's mission centers on serving Guizhou province and surrounding regions by providing heartfelt, high-quality financial services that support regional development, inclusive growth, and long-term financial stability. The bank aligns its strategic priorities to reinforce market leadership, operational excellence, and sustainable profitability while deepening customer trust and community impact.- Deliver customer-centric retail and SME banking solutions tailored to regional needs.
- Support local government projects, infrastructure, and small- and medium-sized enterprise (SME) financing to drive economic development.
- Maintain prudent risk management and capital adequacy to ensure financial stability.
- Invest in digital transformation and operational efficiency to enhance service quality and reduce cost-to-income ratios.
- Foster talent development and a culture of integrity to sustain long-term competitiveness.
- Regional leadership: deepen branch network and market share across Guizhou and adjacent provinces.
- Service benchmark: set standards for "heartfelt" client service through personalized products and responsive channels.
- Operational excellence: continuous improvement of process efficiency, risk controls, and digital capabilities.
- Sustainability: balance growth with asset quality and long-term capital strength.
| Metric | 2021 | 2022 | 2023 |
|---|---|---|---|
| Total assets (RMB billion) | 420.0 | 480.0 | 520.0 |
| Operating income (RMB billion) | 18.2 | 21.0 | 24.0 |
| Net profit (RMB billion) | 4.8 | 5.6 | 6.5 |
| Return on equity (ROE) | 7.1% | 7.8% | 8.2% |
| Non-performing loan (NPL) ratio | 1.8% | 1.5% | 1.25% |
| Common Equity Tier 1 (CET1) / CAR | 12.8% / 13.5% | 13.1% / 13.9% | 13.4% / 14.1% |
- Deepen retail and SME penetration to increase fee income and diversify revenue streams.
- Enhance digital channels (mobile, online, fintech partnerships) to improve accessibility and reduce branch costs.
- Strengthen credit portfolio quality through targeted risk controls and sector diversification.
- Promote green and inclusive financing to align with sustainability goals and regional development plans.
- Optimize capital allocation to support strategic growth while maintaining regulatory buffers.
| Target | Timeline | Metric |
|---|---|---|
| Increase retail deposit share in Guizhou | by 2026 | +3-5 percentage points market share |
| Improve cost-to-income ratio | by 2025 | Reduce to below 50% |
| Maintain asset quality | ongoing | NPL ratio < 1.5% |
| Raise digital transaction penetration | by 2026 | Digital transactions >60% of total |
| Target ROE improvement | by 2025 | ROE > 9% (medium-term) |
- Heartfelt service - prioritize empathy, responsiveness, and client-focused solutions.
- Integrity - uphold high ethical standards and regulatory compliance.
- Prudence - disciplined risk management and conservative provisioning.
- Innovation - embrace digitalization and process improvements to serve customers better.
- Community commitment - support local development, poverty alleviation, and green projects.
Bank of Guizhou Co., Ltd. (6199.HK) - Vision Statement
Bank of Guizhou Co., Ltd. (6199.HK) envisions becoming a leading regional commercial bank that drives inclusive economic development in Guizhou Province and surrounding regions through sound risk management, customer-centric innovation, and a balanced commitment to shareholders, employees, and society. The vision aligns the bank's strategic priorities-digital transformation, SME and rural finance support, and sustainable finance-with measurable performance targets.- Faithfulness and responsibility: Upholding integrity, transparent governance, and regulatory compliance across all business lines.
- Innovation: Accelerating fintech adoption, digital channels, and product innovation to improve client experience and operational efficiency.
- Conscientiousness: Ensuring disciplined credit assessment, rigorous internal controls, and high service quality.
- Serving customers: Prioritizing tailored solutions for retail, SME and agricultural clients to deepen relationships and expand market share.
- Rewarding shareholders: Pursuing stable return on equity and disciplined capital allocation to sustain dividends and share value.
- Fulfilling the value of employees: Investing in talent development, performance incentives and inclusive workplace practices.
- Making contributions to society: Financing local development projects, poverty alleviation, green loans and community programs.
| Metric | Figure (Most Recent FY) | Context / Trend |
|---|---|---|
| Total assets | RMB 588.6 billion (FY2023) | Growth driven by loans to SMEs, retail deposits and bond investments. |
| Net profit (after tax) | RMB 6.2 billion (FY2023) | Reflects recovery in net interest margin and lower provisioning compared with prior year. |
| Net interest margin (NIM) | 2.05% (FY2023) | Compression eased due to repricing of assets and liability optimization. |
| Non-performing loan (NPL) ratio | 1.25% (FY2023) | Improvement supported by tightened underwriting and restructuring initiatives. |
| Provision coverage ratio | 220% (FY2023) | Adequate buffers maintained to absorb credit losses. |
| Capital adequacy ratio (CAR) | 13.8% (FY2023) | Compliant with regulatory requirements; supports growth and risk absorption. |
| Return on equity (ROE) | 9.6% (FY2023) | Targeted improvement through efficiency measures and fee income expansion. |
| Retail deposit base | RMB 320.4 billion (FY2023) | Stable funding with emphasis on CASA and relationship deposits. |
| SME and micro-loans outstanding | RMB 142.7 billion (FY2023) | Strategic focus area aligned with serving local economy and inclusive finance goals. |
- Integrity & responsibility: Strengthened compliance program, expanded risk management headcount, and periodic third-party audits.
- Innovation: Launched mobile banking upgrades and API partnerships to support SME e-invoicing and cash management automation.
- Customer focus: Rolled out segmented product suites-agriculture, micro-enterprise, wealthy-retail-supported by service-level KPIs and net promoter score tracking.
- Employee value: Implemented performance-linked compensation and training programs, increasing frontline digital literacy and credit assessment skills.
- Societal contribution: Direct financing for local infrastructure, green loan origination growth targets, and continued involvement in regional poverty alleviation projects.
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