贵阳银行开年就收两张罚单！业绩承压

Group 1 - The core point of the news is that Guiyang Bank has faced multiple regulatory penalties due to imprudent loan management, with a total of 10 penalties amounting to 2.4 million RMB since 2025 [1][3][4] - Guiyang Bank's branches, specifically the Zhenning and Guanling branches, were fined 200,000 RMB each for their loan management practices, and responsible individuals received warnings [1][3] - The bank's financial performance has been under pressure, with a 13.73% year-on-year decline in operating income to 9.435 billion RMB and a 1.39% decline in net profit to 3.915 billion RMB for the first three quarters of 2025 [4] Group 2 - Guiyang Bank has experienced a continuous decline in both revenue and net profit for three consecutive years since 2023 [4] - The asset quality of Guiyang Bank is deteriorating, with a non-performing loan (NPL) ratio reaching 1.70% as of June 2025, the highest since its listing, and a slight decrease to 1.63% by September 2025, still the second-highest level [4] - The NPL ratio for real estate loans increased from 1.05% at the end of 2024 to 1.75%, with a balance of 52.763 billion RMB, accounting for 15.36% of total loans, indicating concentrated risk exposure [4]