德州银行陷“多面危情”？合规、盈利、股权难题一个没少

Core Viewpoint - The appointment of Qi Jinbo as the new Party Secretary of Dezhou Bank is expected to fill the long-standing vacancy of the chairman position and potentially bring new development opportunities for the bank [2] Group 1: Regulatory Issues - Dezhou Bank has been found to have four major violations in its fund sales operations, including the employment of unqualified personnel in key roles, which undermines its compliance and risk control mechanisms [3] - The bank lacks a dedicated fund product admission committee, leading to inconsistent standards in product selection and management [3] - The performance evaluation system focuses on short-term sales results, neglecting long-term investor returns, which could harm investor interests [3] Group 2: Financial Performance - In 2024, Dezhou Bank reported operating income of 1.329 billion yuan, a slight decrease of 1.25% from 2023, and a net profit of 124 million yuan, down 50.99% from 2023 [4] - The significant decline in net profit is closely linked to a substantial increase in asset impairment losses, which rose by 88.74% to 436 million yuan in 2024 [5] - The bank did not disclose key asset quality metrics such as non-performing loan balances and rates, raising concerns about its asset quality [5] Group 3: Shareholder Issues - The seventh largest shareholder of Dezhou Bank, Qihe County Qimin Asset Management Co., Ltd., has had its shares worth 42.884 million yuan frozen due to a guarantee contract dispute, with a freeze period lasting three years [8][9] - This is not the first instance of share freezes for Dezhou Bank, as two other instances occurred in June and July 2024, involving a total of 27.916 million shares [10] - Frequent share freezes may impact board decision-making efficiency and investor confidence, potentially hindering the bank's capital replenishment and business expansion efforts [10] Group 4: Information Disclosure - Dezhou Bank's investor relations section on its website has multiple restrictions for accessing historical annual reports, contrasting with the more user-friendly "one-click query" models of other banks [6] - This lack of transparency in information disclosure raises questions about the bank's commitment to open and transparent communication with investors [7]