青农商行选举梁衍波为新董事长，增利不增收下零售业务突围

Group 1 - Qingdao Rural Commercial Bank (青农商行) has appointed Liang Yanbo as the new chairman, pending approval from the regulatory authority, marking a significant leadership change at a critical development juncture for the bank [1][3] - The bank has surpassed a total asset scale of 500 billion yuan but has been facing a "profit growth without revenue growth" dilemma since 2025, with personal consumer loans being a notable growth area, increasing over 17% in the first half of the previous year [1][8] - Liang Yanbo, born in August 1978, is a "post-70s" executive with extensive experience in the Shandong rural credit system, which positions him well to address the bank's operational challenges and drive core business growth [3][5] Group 2 - The recent leadership change is part of a broader trend of executive turnover at Qingdao Rural Commercial Bank, with previous chairman Wang Xifeng retiring in November 2025 and other senior executives also stepping down due to age [6] - The bank's performance has shown a stark contrast, with operating income declining by 4.92% to 8.028 billion yuan in the first three quarters of 2025, while net profit increased by 3.57% to 3.318 billion yuan, highlighting the "profit growth without revenue growth" issue [8][10] - The bank's net interest margin has narrowed to 1.61% as of September 2025, down from 1.67% at the end of the previous year, indicating challenges in interest income growth amid a declining industry trend [11][12] Group 3 - The bank's retail business, particularly personal consumer loans, has emerged as a bright spot, with total personal loans reaching 80.076 billion yuan, accounting for 29.42% of total loans, and consumer loans growing by 17.7% [13] - Liang Yanbo's challenge will be to leverage the strengths of the retail business while addressing the issues of weak credit issuance and low profitability quality, balancing expansion with risk management [13]