华夏银行COO、CRO、CFO齐亮相，首席风险官9个月2次调整成焦点

Group 1: Management Changes - Huaxia Bank has undergone a significant management reshuffle, appointing a new team of three "chiefs" including a Chief Operating Officer (COO), Chief Risk Officer (CRO), and Chief Financial Officer (CFO) [1][3] - The new CRO, Fang Yi, previously served as the chairman of Beiyin Wealth Management for just over two months before his appointment, raising questions about the stability of the position [4][7] - The bank's internal adjustments reflect a strategic focus on enhancing operational efficiency and risk management capabilities [1][4] Group 2: Regulatory Issues - Huaxia Bank received the largest penalty in the banking sector this year, amounting to 87.25 million yuan, due to non-compliance in loan and financial management practices [7][8] - The bank has faced a total of 11 penalties in 2025, totaling 99.07 million yuan, primarily related to credit violations [8] - The rapid turnover in key risk management positions may hinder the continuity and stability of the bank's risk strategy [3][7] Group 3: Financial Performance - For the first three quarters of 2025, Huaxia Bank reported a revenue of 64.881 billion yuan, a year-on-year decrease of 8.79%, and a net profit of 17.982 billion yuan, down 2.86% [11][14] - The decline in revenue and profit is attributed to reduced fair value gains and a narrowing interest margin, with net interest income falling to 46.294 billion yuan, a decrease of 1.62% year-on-year [11][12] - Investment income accounted for nearly 20% of total revenue, indicating a reliance on non-interest income streams amid challenging market conditions [10][11]