Group 1 - The core point of the article is the appointment of Qi Jun as the Chief Risk Officer of Bohai Bank, which is expected to address the bank's persistent high non-performing loan (NPL) ratio [2][4][5] - Qi Jun has extensive experience in risk management and non-performing asset disposal, having worked in various roles at Industrial and Commercial Bank of China (ICBC) [3][4] - Bohai Bank's NPL ratio has remained above 1.7% for the past five years, indicating a significant challenge in risk management despite recent improvements in revenue and net profit [4][5] Group 2 - As of the end of last year, Bohai Bank's NPL ratio was 1.76%, a slight decrease of 0.02 percentage points from the previous year, but still above the industry average [4][5] - The overall NPL ratio for commercial banks was reported at 1.50%, with the average for joint-stock commercial banks at 1.22%, highlighting Bohai Bank's underperformance [5] - The bank's corporate loan and advance NPL ratio was 1.11%, while the personal loan NPL ratio surged to 4.15%, reflecting significant issues in personal lending [5]
渤海银行迎新任首席风险管理官！能否破解不良率困局？