恒丰银行董事长辛树人回答了三个灵魂之问

Core Viewpoint - The New Year message from Xin Shuren, Chairman of Hengfeng Bank, emphasizes the theme of "staying true to the original intention and embarking on a new journey," reflecting on the achievements during the 14th Five-Year Plan and outlining the direction for the 15th Five-Year Plan. The message addresses three key questions from the market regarding the bank's recovery, transformation, and risk control [2][6]. Group 1: Recovery and Growth - Hengfeng Bank has shown a significant recovery since its restructuring, with a total asset forecast of 1.6 trillion yuan by 2025, achieving 1.568726 trillion yuan by September 2025. The bank's liabilities reached 1.428065 trillion yuan, indicating steady growth [3]. - The bank reported a revenue of 20.7 billion yuan for the first three quarters of 2025, a year-on-year increase of 7.25%, and a net profit of 4.536 billion yuan, up 16.96% year-on-year, marking two consecutive years of revenue and profit growth [3]. - The non-performing loan ratio has been declining for 28 consecutive quarters, although it stood at 1.49% at the end of 2024, higher than the average of 1.27% for joint-stock banks. The acquisition of a non-performing asset package by Shandong Jinzi for 5.465 billion yuan is aimed at further supporting recovery [3][4]. Group 2: Transformation Strategy - Hengfeng Bank's transformation strategy focuses on "returning to the source and concentrating on the main business," with a target system of "3510" and a transformation strategy of "1476," aiming to create a differentiated development path [4]. - The bank is enhancing its deposit base and increasing the proportion of high-quality deposits while building a service network that covers customer supply chains and transaction chains through over 360 branches [4]. Group 3: Risk Control and Compliance - The bank faces challenges in risk control and compliance, highlighted by a fine of 61.5 million yuan due to management issues in loans, bills, and wealth management, with a total of over 20 million yuan in fines from 2023 to 2025 [5]. - Hengfeng Bank is adopting a "risk-based" approach, improving its three-line defense system, and implementing a data-driven risk management strategy through an intelligent approval system that utilizes AI technology [5]. - The bank's ESG rating is BB, indicating that governance and social responsibility compliance need improvement. The ongoing preparations for the bank's IPO are also under scrutiny, with uncertainties regarding profit distribution and capital replenishment adding complexity to the process [5][6].