Regulatory Actions - The Shanxi Regulatory Bureau of the National Financial Supervision Administration issued fines totaling 1.65 million yuan against Bohai Bank's Taiyuan branch and its subsidiary for various violations [2] - The Taiyuan branch was fined 950,000 yuan for inadequate credit investigation, poor employee behavior management, and insufficient management of working capital loans [2] - The Taiyuan Happiness Branch was fined 700,000 yuan for failing to accurately reflect risk conditions and inadequate post-loan management [2] Company Overview - Bohai Bank was established on December 30, 2005, and began operations in February 2006, making it the youngest national joint-stock commercial bank [4] - The bank was listed on the Hong Kong Stock Exchange on July 16, 2020 [4] Financial Performance - In 2024, Bohai Bank achieved operating income of 25.482 billion yuan, a year-on-year increase of 1.94% [4] - The net profit for 2024 was 5.256 billion yuan, reflecting a year-on-year growth of 3.44% [4] - Total assets reached 1,843.842 billion yuan, marking a 6.41% increase compared to the previous year [4] Loan Quality - As of the end of 2024, the non-performing loan (NPL) ratio for Bohai Bank was 1.76%, a decrease of 0.02 percentage points from the previous year [4] - The personal loan NPL ratio was notably high at 4.15% at the end of 2024, with the NPL ratio for personal consumption loans soaring to 12.37%, a significant increase of nearly 8 percentage points from the previous year's 4.4% [4]
鑫闻界｜授信调查不尽职，贷后管理不到位，渤海银行被罚165万