空缺一年多终落定！张成喆将升任行长，西安银行如何突围

Core Viewpoint - Xi'an Bank has appointed Zhang Chengzhe as the new president and vice chairman of the board, marking a significant leadership change after a year-long vacancy in the president position. The bank faces challenges in profitability and declining capital adequacy ratios, prompting a focus on bond issuance and the establishment of a specialized branch for hard technology finance to drive growth [1][3][5]. Management Changes - Zhang Chengzhe, an internal candidate with extensive experience in various key positions within Xi'an Bank, has been appointed as president. His background includes roles in branch management and core business departments, providing him with a deep understanding of the bank's operations and regional market characteristics [3][4]. - The appointment follows a series of high-level departures at Xi'an Bank, necessitating a timely reinforcement of the executive team and governance structure [5][6]. Financial Performance - Xi'an Bank's total assets reached 480.37 billion yuan by the end of 2024, reflecting an 11.14% increase year-on-year. As of the first quarter of 2025, total assets further increased to 519.72 billion yuan. However, the bank's profitability has not kept pace with this growth [8][9]. - The bank's net profit attributable to shareholders showed a decline in 2022, dropping to 2.42 billion yuan, a 13.55% decrease year-on-year. Although profits rebounded slightly in 2023 and 2024, growth rates remained below those of the bank's first year post-IPO [9][10]. Capital Adequacy - Xi'an Bank's capital adequacy ratios have been declining, with the core Tier 1 capital adequacy ratio falling to 9.36% by the first quarter of 2025, down from 10.07% at the end of 2024. This trend raises concerns about the bank's financial stability [10]. - To address capital needs, the bank has issued 5 billion yuan in perpetual bonds and 2 billion yuan in subordinated bonds [10]. Strategic Focus - The bank plans to establish a specialized branch focusing on hard technology finance, aiming to enhance its service offerings in this sector. This initiative is part of a broader strategy to deepen cooperation with research institutions and technology companies [11][12]. - The new management is expected to leverage Zhang Chengzhe's local expertise to better align banking services with the needs of hard technology enterprises, which often face unique challenges [12][13].