QRCB(SZ:002958) Nan Fang Du Shi Bao·2026-01-19 13:04Core Viewpoint - Qingdao Rural Commercial Bank is set to appoint Liang Yanbo, aged 47, as its executive director candidate, potentially making him the youngest chairman among A-share listed banks if approved [2][5]. Group 1: Leadership Transition - Liang Yanbo has extensive experience in the Shandong rural credit system, having held various leadership positions in multiple rural commercial banks before becoming the party secretary of Qingdao Rural Commercial Bank in December 2025 [3][5]. - The previous chairman, Wang Xifeng, retired due to age, and Liang's appointment comes at a time when the bank faces significant challenges in performance and compliance [5][6]. Group 2: Financial Performance - Qingdao Rural Commercial Bank's revenue has been declining, with a reported operating income of 8.028 billion yuan in the first three quarters of 2025, a decrease of 4.92% year-on-year, and a trend of quarterly worsening [6][7]. - The bank's net profit for the same period was 3.318 billion yuan, showing a growth of 3.57%, but the growth rate has been slowing down compared to earlier quarters [6]. Group 3: Asset Quality - The bank has the highest non-performing loan (NPL) ratio among A-share rural commercial banks at 1.73%, despite a decrease from 1.79% at the end of 2024 [8][9]. - The NPL generation rate has remained above 2% for four consecutive years, indicating ongoing risk management challenges [8]. Group 4: Compliance Issues - Qingdao Rural Commercial Bank has faced multiple regulatory penalties in 2025 for various violations, highlighting significant compliance shortcomings that need to be addressed under Liang Yanbo's leadership [10]. - Experts emphasize the necessity for the bank to strengthen its compliance framework to mitigate risks and ensure sustainable growth [10]. Group 5: Strategic Focus - The bank plans to enhance its focus on agricultural and small micro-loans, aligning with its strategic positioning to support rural development and small enterprises [11][12]. - There is an emphasis on promoting inclusive finance and green finance to support economic restructuring and high-quality development [12].