恒丰银行被重罚6150万 “最年轻行长”白雨石临合规业绩双考

Core Viewpoint - A series of financial institutions, including Hengfeng Bank, have been heavily fined for business violations, highlighting ongoing regulatory scrutiny in the financial sector [1][2][3]. Regulatory Actions - On September 12, the National Financial Supervision Administration imposed a fine of 61.5 million yuan on Hengfeng Bank for imprudent management of loans, bills, and wealth management, as well as non-compliance in regulatory data reporting [1][2]. - Since September, the total fines issued by the National Financial Supervision Administration have approached 270 million yuan, affecting various financial institutions [3]. Financial Performance - In 2024, Hengfeng Bank reported operating income of 25.775 billion yuan, a year-on-year increase of 1.98%, while total profit decreased by 9.3 billion yuan to 7.442 billion yuan [1][9]. - The bank's net profit for 2024 was 5.454 billion yuan, reflecting a year-on-year growth of 5.99%, but still a nearly 19% decline compared to 2022 [1][9]. Internal Governance and Management Changes - Hengfeng Bank has faced multiple fines in 2025, totaling over 80.45 million yuan, indicating persistent issues in internal governance and compliance culture [1][6][10]. - The bank's new management, including the youngest president among joint-stock banks, faces significant pressure to address these challenges and improve risk management [7][10]. Asset Quality and Capital Adequacy - As of the end of 2024, Hengfeng Bank's total assets reached 1.54 trillion yuan, with a loan and advance total of 861.134 billion yuan, both showing growth [9]. - The bank's non-performing loan balance was 12.873 billion yuan, with a non-performing loan ratio of 1.49%, marking a continuous decline over six years [9].