渤海银行人均月薪超3万，10名董监高离开了

Core Insights - The core message of the article emphasizes the progress and transformation of Bohai Bank in 2025, highlighting its total assets surpassing 1.9 trillion yuan and a return to growth in both revenue and net profit [2][19]. Financial Performance - In 2025, Bohai Bank achieved operating revenue of 25.97 billion yuan, a year-on-year increase of 1.92%, and net profit of 5.498 billion yuan, up 4.61% from the previous year [7][24]. - The bank's net interest income reached 17.421 billion yuan, growing by 12.08%, while non-interest income fell to 8.549 billion yuan, a decrease of 13.99% [8][26]. - The decline in non-interest income was primarily due to a 22.90% drop in net income from fees and commissions, attributed to reduced income from agency and asset management services [8][26]. Cost Management - Bohai Bank's operating expenses were 10.391 billion yuan, down 0.93% year-on-year, with a cost-to-income ratio of 38.01%, a decrease of 1 percentage point [9][27]. - Despite cost control measures, the total number of branches, employees, and employee compensation increased, with 377 operational branches and 14,170 employees by the end of 2025 [10][30]. Asset Quality and Risk Management - The bank disposed of non-performing assets totaling 42.438 billion yuan by the end of 2025, with a non-performing loan balance of 15.921 billion yuan, down 5.59 billion yuan from the previous year [13][31]. - The non-performing loan ratio stood at 1.66%, a decrease of 0.1 percentage points, while the personal loan non-performing rate was 3.8%, higher than the corporate loan non-performing rate [13][32]. - The non-performing loan ratio for corporate loans slightly increased from 1.11% in 2024 to 1.15% in 2025, with the real estate sector being the second-largest loan industry [14][33]. Management Changes - In 2025, Bohai Bank saw the departure of 10 senior management members, including the vice president and the chairman of the supervisory board [15][34]. - The total compensation for key management personnel was 10.901 million yuan, a reduction of 32.72% from the previous year [16][35].