恒丰银行向大股东转让50多亿不良资产，不良贷款率6年连降

Core Viewpoint - Shandong Financial Asset Management Co., Ltd. (Shandong Jinzi) has signed an agreement with Hengfeng Bank to acquire non-performing assets totaling 5.465 billion yuan, marking a significant step in the bank's efforts to improve its asset quality and move towards an IPO [2][3][4]. Group 1: Company Overview - Shandong Jinzi was established in December 2014 and is the largest local asset management company in China, with a registered capital of 49.6 billion yuan [3]. - The company is the largest shareholder of Hengfeng Bank, holding 46.61% of the shares as of the end of 2024 [3][4]. Group 2: Financial Performance - Hengfeng Bank has seen a continuous decline in its non-performing loan ratio for six consecutive years, reaching 1.49% at the end of the reporting period, a decrease of 0.23 percentage points from the beginning of the year [6]. - The bank's revenue for the previous year was 25.775 billion yuan, an increase of 0.5 billion yuan, or 1.98% year-on-year, while net profit reached 5.357 billion yuan, up 0.221 billion yuan, or 4.30% year-on-year [6]. Group 3: Strategic Goals - Hengfeng Bank aims to achieve IPO readiness within three years, improve profitability to the mid-tier level among joint-stock banks in five years, and enhance overall competitiveness to the top tier within ten years [6].