成立八年四度换帅，新网银行去年净利缩水近两成

Core Viewpoint - The article highlights the contrasting performance of internet banks in China, with leading banks like WeBank and MYbank showing growth while smaller banks like Xinwang Bank face challenges in profitability and management stability [2][15]. Group 1: Company Performance - In 2024, Xinwang Bank reported total assets of 103.63 billion, with operating income of 6.37 billion and net profit of 810 million, reflecting a 19.8% decline in net profit year-on-year [3][4][6]. - Despite a 16.07% increase in operating income from 5.49 billion in 2023 to 6.37 billion in 2024, operating expenses rose significantly from 4.24 billion to 5.43 billion, leading to a decrease in operating profit from 1.25 billion to 940 million [6][8]. - The bank's non-performing loan ratio improved slightly to 1.69% by the end of 2024, down 0.02 percentage points from the end of 2023 [4][6]. Group 2: Management Changes - Xinwang Bank has undergone significant leadership changes, with the appointment of its fifth chairman since its establishment eight years ago, indicating instability in management [3][9][10]. - The new chairman, Zhu Tao, has a background in banking and asset management, which may influence the bank's strategic direction moving forward [9][10]. Group 3: Industry Context - The article notes that the performance of internet banks varies widely, with WeBank and MYbank leading the sector with asset sizes exceeding 650 billion and 470 billion respectively, while most other private banks remain below 150 billion [2][16]. - The challenges facing private banks include narrowing net interest margins, stricter financial regulations, and economic fluctuations, which may accelerate industry consolidation [15][16].