董事长、行长先后换任！泉州银行业绩“翻身仗”怎么打？

Group 1 - Quanzhou Bank has undergone a leadership change with the appointment of Li Mingqin as the new president, following the retirement of former chairman Lin Yangfa and the nomination of Jiang Wenpeng as chairman [2][3] - Both the new president and the chairman have extensive experience in state-owned and joint-stock banks, particularly within the Fujian financial system, which is expected to provide strategic stability for the bank [2][4] - The bank is facing a "stress test" as it reports a decline in both revenue and profit for the first three quarters of the year, marking a shift after four years of steady growth [2][8] Group 2 - Quanzhou Bank's revenue for the first three quarters is reported at 2.396 billion yuan, a year-on-year decrease of 12.54%, while net profit is 245 million yuan, down 23.03% [9] - The bank's total assets reached 178.418 billion yuan, with a growth rate of 1.77%, indicating a slowdown compared to previous years [9] - The net interest income for the first three quarters is 1.832 billion yuan, reflecting a decline of 7.78%, continuing a downward trend from the previous year [9] Group 3 - The bank's deposit growth has also slowed, with growth rates of 1.96% and 6.78% for 2024 and the first three quarters of 2025, respectively, marking the lowest levels in recent years [11] - The net interest margin has been declining since reaching a peak of 2.5% in 2021, dropping to 1.53% by the third quarter of 2025 [11] - Investment income has seen significant fluctuations, with a decrease of 28.03% to 44.5 million yuan in the first three quarters of 2025, contributing to the overall revenue decline [11][12] Group 4 - The bank's asset quality is under pressure, with non-performing loan ratios increasing from 1.52% in 2022 to 1.83% in 2024, and the provision coverage ratio decreasing from 170.81% to 163.23% over the same period [13][14] - Credit impairment losses have risen significantly, with a reported increase of 3.16 billion yuan year-on-year, primarily due to higher provisions for loan impairments [18] - The bank's credit loans have expanded rapidly, but the overdue amounts have also increased, indicating rising credit risk [16][18]