华夏银行前三季业绩承压，新聘3名高管如何开新局

Core Viewpoint - The first quarterly report of listed banks for 2025 reveals that Huaxia Bank's revenue and net profit have both declined in the first three quarters, prompting significant management changes to enhance operational efficiency and risk management [2][3][9]. Financial Performance - In the first three quarters, Huaxia Bank's revenue decreased by 8.79% to 64.881 billion yuan, while net profit attributable to shareholders fell by 2.86% to 17.982 billion yuan [3]. - Compared to the first half of the year, the decline in net profit has narrowed by 5.09 percentage points, with a 7.95% drop in the first half [3]. - In Q3 alone, revenue dropped by 15.02% to 19.359 billion yuan, but net profit increased by 7.62% to 6.512 billion yuan [3]. - The bank's net interest income fell by 1.62% to 46.294 billion yuan, while fee and commission income rose by 8.33% to 4.694 billion yuan [3]. Asset Quality - As of the end of September, Huaxia Bank's total assets reached 4,376.491 billion yuan, a 4.80% increase from the end of the previous year [5]. - The non-performing loan (NPL) ratio decreased to 1.58%, down 0.02 percentage points from the end of the previous year [5]. - The bank's provision coverage ratio stands at 149.33%, a decrease of 12.56 percentage points from the end of the previous year [5]. Management Changes - Huaxia Bank appointed three new executives: Liu Xiaoli as Chief Operating Officer, Fang Yi as Chief Risk Officer, and Liu Yue as Chief Financial Officer [8][9]. - The establishment of the Chief Operating Officer position indicates a focus on enhancing operational management and efficiency [9]. - The management changes reflect the bank's commitment to addressing performance pressures and upgrading governance [9]. Strategic Focus - The bank's quarterly operational analysis meeting emphasized the need for strengthening party leadership, achieving annual goals, and enhancing risk management [4]. - The management has initiated a series of measures to improve asset quality and risk control, indicating a proactive approach to financial stability [6][7].