高管换防，辛树人称恒丰银行花了五年恢复元气

Core Viewpoint - Hengfeng Bank has made significant progress over the past five years, focusing on sustainable and high-quality development, with notable achievements in asset growth and profitability despite challenges [3][4][5]. Financial Performance - The total assets of Hengfeng Bank are expected to reach 1.6 trillion yuan, with operating income and net profit increasing for two consecutive years, and a declining non-performing loan ratio for 28 consecutive quarters [3][5]. - For the years 2021 to 2024, the revenue growth rates were 13.56%, 5.20%, 0.62%, and 1.98%, while net profit growth rates were 22.01%, 6.03%, -23.70%, and 4.30%, indicating some fluctuations [3][4]. - In the first three quarters of 2025, the bank achieved revenue of 20.7 billion yuan, a year-on-year increase of 7.25%, and a net profit of 4.536 billion yuan, up 16.96% year-on-year [4][5]. Management Changes - 2025 marked a significant year for management changes at Hengfeng Bank, with over one-third of the board members changing [10][30]. - Bai Yushi became the new president, making him the youngest president among joint-stock banks [12][31]. - Ongoing internal adjustments include the return of Wei Jifeng to the headquarters as Chief Security Officer and the promotion of Luo Pengyu to Chairman of the Company [13][32]. Mergers and Acquisitions - Hengfeng Bank has merged with several village banks, including the acquisition of Guang'an Hengfeng Village Bank and the establishment of new branches in 2025 [16][35]. - The bank also completed the acquisition of Chongqing Yunyang Hengfeng Village Bank and Yangzhong Hengfeng Village Bank, establishing new branches in those locations [16][35]. Regulatory Compliance - The bank has faced multiple regulatory fines across various branches, including Fuzhou, Quanzhou, Shanghai, Changsha, and Chongqing [17][37]. - In his New Year address, the chairman emphasized the importance of risk control and compliance as foundational elements for development [19][38].