海南银行 迎新任行长！

Group 1 - The new president of Hainan Bank, Liu Guoxin, has been appointed to replace the previous president, Wu Jingze, who will retire in November 2024 [1][5][4] - Liu Guoxin has extensive experience in the financial sector, previously serving as the deputy secretary of the Party Committee at Hainan Rural Commercial Bank and holding various positions in the Hainan provincial government [5][6] - Hainan Bank, established in January 2016, is the only provincial-level urban commercial bank in Hainan and is positioned to benefit from the accelerated development of the Hainan Free Trade Port [6][8] Group 2 - Hainan Bank reported a net profit of 4.52 billion yuan for 2024, a decrease of 9.93% year-on-year, despite an 11.85% increase in operating net income to 24.79 billion yuan [6][8] - The bank's non-performing loan ratio rose to 1.71%, an increase of 0.09 percentage points from the end of 2023, indicating challenges in asset quality [7][8] - Key financial metrics include a provision coverage ratio of 344.73%, a capital adequacy ratio of 11.89%, and a net interest margin of 1.74%, with the loan-to-deposit ratio at 86.8% [7][8]