蓝海银行迎开业八周年：营收暴跌39%净利近乎腰斩，高管百万年薪，豪掷3亿元分红

Core Insights - Blue Ocean Bank, the only private bank in Shandong Province, has experienced a significant decline in performance, with a 39.42% drop in operating income and a 47.86% decrease in net profit in 2024 compared to the previous year [1][2] - Despite the poor financial performance, the bank's executive team continues to receive high salaries, with an average of 1.23 million yuan per person in 2023, which is 2.4 times that of ordinary employees [2] - The bank has faced multiple regulatory penalties over the past four years, indicating ongoing compliance issues [3][4] Financial Performance - In 2024, Blue Ocean Bank reported operating income of 1.45 billion yuan, down 39.42% year-on-year, and net profit of 415 million yuan, down 47.86% [1] - The total asset scale reached 55.54 billion yuan by the end of 2024, with growth slowing significantly from 25.14% in 2020 to 5.26% in 2024 [1] - The bank's capital adequacy ratio fell to 13.37% in 2024, down 0.86 percentage points from the previous year, while the Tier 1 capital adequacy ratio decreased to 12.6%, down 0.57 percentage points [2] Executive Compensation - In 2023, the total salary for the bank's 43 executives was 52.8 million yuan, averaging 1.23 million yuan per executive, while the average salary for 274 ordinary employees was 393,600 yuan [2] - The high executive compensation has raised concerns, especially in light of the bank's declining profits [2] Regulatory Issues - Blue Ocean Bank has received multiple fines for regulatory violations, including a total of 65,000 yuan in penalties in 2022 for inadequate loan management practices [3] - In 2024, the bank was fined 70,000 yuan for failing to comply with prudent operational rules and for inadequate management of loan collections [4] - The bank's ongoing compliance issues have led to a series of penalties, indicating a pattern of regulatory non-compliance [3][4] Strategic Changes - Following a decline in performance and regulatory scrutiny, Blue Ocean Bank has undergone a leadership change, with a new chairman and a focus on a "Inclusive Finance" transformation strategy targeting small and micro enterprises [4] - The bank has introduced new financial products aimed at small businesses, with the number of microfinance loan customers reaching 85,700 by the end of 2024, an increase of 27,200 from the previous year [4]