邢台银行收465万罚单！10名支行长及部门总一同被罚，两年前曾收央行罚单

Core Viewpoint - Xingtai Bank has received multiple administrative penalties from the local financial regulatory authority, totaling 4.7 million yuan, due to violations in loan management and risk classification [1][2][3]. Regulatory Penalties - Xingtai Bank was fined 1.5 million yuan for failing to implement the "three checks" system in loan management and for engaging in arbitrage behavior [3][4]. - Four branch managers received warnings for inadequate implementation of the loan "three checks" system, while three branch managers and one branch office manager were warned for arbitrage activities [3][4]. - The bank's small enterprise credit center was fined 300,000 yuan for failing to rectify issues with unlicensed institutions within the stipulated time [5][6]. Financial Performance - In 2024, Xingtai Bank reported a revenue of 5.413 billion yuan, a year-on-year increase of 82.56%, significantly surpassing the industry average [15]. - The net profit attributable to shareholders was 599 million yuan, reflecting a 22.63% increase compared to the previous year [15]. - The bank's investment income surged to 2.121 billion yuan, marking a 144.92% increase and accounting for 39.18% of total revenue [16]. Asset Quality and Risks - The non-performing loan ratio at the end of 2024 was 1.96%, which, despite a 0.3 percentage point improvement, remains above the average of 1.76% for city commercial banks [18]. - The bank's capital adequacy ratio and core tier one capital adequacy ratio have been declining over the past three years, indicating potential risks despite the impressive revenue growth [18][20].