柳州银行三任董事长接连落马背后的“双面人生”

Group 1 - The deputy general manager of Guangxi Investment Group, Li Dunman, is under investigation for serious violations of discipline and law, which has raised concerns about Liuzhou Bank, where he served as chairman from 2019 to 2021 [2][3] - Liuzhou Bank has seen a decline in net profit by 22.28% year-on-year for 2024, primarily due to a significant increase in credit impairment losses, despite growth in net interest income and investment income [3][30] - The bank's total assets reached 259.18 billion yuan, reflecting a 6.81% increase from the previous year, with operating income for the first three quarters growing by 6.73% to 3.401 billion yuan [22][23] Group 2 - Liuzhou Bank has experienced a history of leadership corruption, with three consecutive chairmen facing disciplinary actions for corruption and illegal lending practices over the past decade [3][34] - The bank's credit impairment losses surged by 45.77% year-on-year to 1.67 billion yuan in 2024, primarily driven by increased bad debt provisions due to the declining repayment capacity of small and micro enterprises [30][32] - The bank's investment income has significantly increased, reaching 609 million yuan in 2024, a 25-fold increase compared to previous years, contributing positively to overall revenue growth [25][27] Group 3 - Liuzhou Bank's risk management and internal controls have been criticized, with recent penalties for inadequate loan management practices, indicating a need for improvement in governance [34] - The bank's loan structure has shifted, with a decrease in mortgage loans and an increase in guarantee and credit loans, raising concerns about risk management capabilities [27][28] - The bank's reliance on related party transactions remains high, with significant portions of credit exposure concentrated among related parties, necessitating attention to reduce these risks [33]