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营收净利九连降,贵阳银行如何打破“负增长”魔咒

Core Viewpoint - Guiyang Bank is experiencing a continuous decline in both revenue and net profit, marking the ninth consecutive reporting period of such downturns, making it the only bank among six listed city commercial banks in A-shares to report a "double decline" in performance [1][3][4]. Financial Performance - For the first half of 2025, Guiyang Bank reported operating income of 6.501 billion yuan, a year-on-year decrease of 12.22%, and a net profit attributable to shareholders of 2.474 billion yuan, down 7.20% [3][4]. - The bank's performance has been declining for two years, with the last positive growth reported in 2022 [3][4]. - Compared to six years ago, the current profitability is lower than in the first half of 2019, when operating income was 6.764 billion yuan and net profit was 2.653 billion yuan [4]. Revenue Structure - The bank's net interest income has decreased significantly, from 7.065 billion yuan in 2022 to 4.920 billion yuan in the first half of 2025, a decline of 30.36%, with net interest income still accounting for 75.69% of total revenue [4][5]. - Non-interest income was 1.580 billion yuan, a slight decrease of 1.22%, with investment income increasing by 719 million yuan but offset by a decrease in fair value changes of trading financial assets by 853 million yuan [5]. Management Challenges - Frequent changes in the executive team have raised concerns about governance and strategic continuity, with key positions remaining unfilled [6][7]. - The bank's high-level management instability may negatively impact business continuity and market confidence [8]. Strategic Recommendations - To break the "negative growth" cycle, Guiyang Bank should leverage its regional market advantages and focus on comprehensive financial services, digital transformation, and supporting emerging industries [9][10]. - Experts suggest enhancing middle business income, exploring innovative financial products, and optimizing asset-liability management to improve performance [10].