烟台银行6项违规被罚319万元 核心一级资本充足率持续承压

Core Viewpoint - Yantai Bank has attracted significant attention due to mixed market performance and recent regulatory issues, including a change in major shareholder and administrative penalties for compliance violations [2][4][6]. Shareholder Changes - On July 11, 2025, the Shandong Regulatory Bureau approved Yantai Financial to acquire 200 million shares from Yantai Guofeng, increasing its holdings in Yantai Bank to 873 million shares, representing an 18.88% stake, making it the second-largest shareholder [2][4]. Regulatory Issues - Yantai Bank faced administrative penalties for six violations, including breaches of financial statistics, account management, and merchant management regulations, resulting in a warning, confiscation of illegal gains of 387.45 yuan, and a fine of 3.192 million yuan [4][5][6]. - The bank's former vice president and chief accountant were fined for failing to comply with customer identity verification obligations [6]. Financial Performance - In Q1 2025, Yantai Bank reported revenues of 705 million yuan, a year-on-year decline of 5.98%, while net profit surged nearly 60% to 255 million yuan, primarily due to a reduction in credit impairment losses [6]. - As of March 31, 2025, the bank's capital adequacy ratios showed a decline, with total capital adequacy at 12.20%, tier 1 capital at 11.02%, and core tier 1 capital at 7.70%, all down from the previous year [8].