苏农银行换帅 能否带领银行穿越周期？

Core Viewpoint - Su Nong Bank has appointed Wang Liang as the new president following the resignation of Zhang Yingjie due to work changes, with the new management team facing challenges related to narrowing interest margins and slowing revenue growth [1][4]. Financial Performance - For the first three quarters of 2025, Su Nong Bank reported operating income of 3.221 billion yuan, a year-on-year increase of 0.08%, and a net profit attributable to shareholders of 1.708 billion yuan, up 5.01% year-on-year [1]. - The bank's net interest income decreased from 2.14 billion yuan in the same period last year to 2.058 billion yuan due to a narrowing net interest margin [1][2]. - The net interest margin for the first three quarters of 2025 was reported at 1.33%, down from 1.55% in 2024 and 1.74% in 2023 [4]. Loan and Credit Growth - As of mid-2025, Su Nong Bank's loan balance reached 136.331 billion yuan, an increase of 6.997 billion yuan or 5.41% from the beginning of the year [3]. - The bank aims to continue supporting small and micro enterprises while optimizing the structure of fund supply and focusing on key areas such as rural revitalization, advanced manufacturing, green development, and technological innovation [3]. Management Changes - Wang Liang, previously the deputy secretary of the party committee at Su Nong Bank, has taken over as acting president pending regulatory approval [1][4]. - The departure of the former president is not expected to disrupt the normal operations of the board or the management of the bank [4].