80后李虹檠升任贵阳银行副行长，新班子迎业绩与风控双考题

Core Viewpoint - Guiyang Bank has appointed Li Hongqing as the new vice president, completing its executive structure of "one president and four vice presidents," which aims to address the challenges of performance pressure and weak grassroots risk control [2][11]. Group 1: Executive Changes - The Guizhou Regulatory Bureau has approved Li Hongqing's appointment as vice president of Guiyang Bank, following his previous role as board secretary [2][3]. - Li Hongqing, born in 1982 and the youngest executive at the bank, holds a PhD in management and has extensive experience in various roles within the bank and other financial institutions [3][5]. - The new executive structure includes Chairman Zhang Zhenghai, President Sheng Jun, and four vice presidents: Li Songyun, He Kaqiang, Li Ningbo, and Li Hongqing [3]. Group 2: Financial Performance - As of September 2025, Guiyang Bank's total assets reached 746.589 billion, with total deposits of 435.027 billion and total loans of 345.741 billion [6]. - The bank's operating income for the first three quarters of 2025 was 9.435 billion, a year-on-year decrease of 13.73%, while net profit attributable to shareholders was 3.915 billion, a slight decline of 1.39% [6][7]. - The bank's net interest income decreased by 1.065 billion, a drop of 12.29%, and the net interest margin fell by 0.23 percentage points to 1.57% [7][8]. Group 3: Asset Quality and Risk Management - As of September 2025, the non-performing loan ratio was 1.63%, showing improvement from 1.7% in June, but still high compared to peers [9]. - The bank's provision coverage ratio was 239.59%, above the regulatory requirement, but has decreased since the beginning of the year [9]. - Guiyang Bank has faced multiple regulatory penalties for inadequate credit review and management, raising concerns about its compliance capabilities [10]. Group 4: Challenges Ahead - The new executive team is tasked with improving compliance management and addressing the challenges of performance pressure and weak grassroots risk control [11]. - The bank's operational efficiency has declined, with the cost-to-income ratio rising to 28.09%, indicating increased cost control pressures [8]. - The bank's ability to maintain its capital adequacy ratios and manage credit quality will be critical in navigating potential risks in the future [9].