青海银行董事长等三名高管任职资格获批，核心团队落定后亟需攻坚盈利难题

Core Viewpoint - Qinghai Bank has undergone a management reshuffle with the appointment of new leadership, aiming to address operational challenges and improve financial performance [1][4]. Group 1: Management Changes - The new management team includes Ying Haifeng as Chairman, Wu Cunshou as President, and Liu Hongbo as Vice President, with their qualifications approved by the Qinghai Regulatory Bureau [1]. - Ying Haifeng has extensive experience within Qinghai Bank, having held various key positions since its inception, while Wu Cunshou brings a strong background in credit risk management [2][4]. Group 2: Financial Performance - Qinghai Bank's total revenue and net profit have shown a declining trend from 2022 to 2023, with revenues of CNY 1.003 billion and CNY 961 million, and net profits of CNY 209 million and CNY 203 million respectively [4]. - However, in 2023, the bank reported a recovery with revenues and net profits reaching CNY 1.197 billion and CNY 220 million, marking year-on-year increases of 24.56% and 8.37% respectively [4]. Group 3: Asset Quality - As of the end of 2024, Qinghai Bank's total assets stood at CNY 112.854 billion, with deposits of CNY 83.944 billion and loans of CNY 66.435 billion [7]. - The bank's non-performing loan (NPL) ratio improved to 2.18% by the end of 2024, a decrease of 7 basis points from the previous year, indicating a positive trend in asset quality [7]. Group 4: Risk Management Strategies - Qinghai Bank is employing various strategies to manage non-performing assets, including litigation recovery, debt restructuring, and asset transfer [8]. - The bank has established multiple risk control indicators to enhance its risk management framework, focusing on various loan categories and recovery rates [8].