海南银行，迎新任行长！

Core Viewpoint - The appointment of Liu Guoxin as the new president of Hainan Bank is expected to address the challenges of declining net profit and improving asset quality [2][5][11]. Group 1: Leadership Transition - Liu Guoxin has been appointed as the president of Hainan Bank, succeeding Wu Jingze, who will retire in November 2024 [5][6]. - Liu Guoxin previously served as the deputy secretary of the party committee at Hainan Rural Commercial Bank and has extensive experience in financial departments [6][7]. Group 2: Financial Performance - Hainan Bank reported a net profit of 4.52 billion yuan in 2024, a decrease of 9.93% year-on-year, despite an 11.85% increase in operating net income to 24.79 billion yuan [9][10]. - The bank's non-performing loan ratio rose to 1.71%, an increase of 0.09 percentage points from the end of 2023 [10]. Group 3: Asset Quality Indicators - As of the end of 2024, Hainan Bank's provision coverage ratio was 344.73%, up by 45.6 percentage points from the end of 2023 [10]. - The capital adequacy ratio slightly decreased to 11.89%, down by 0.02 percentage points from the previous year [10]. - The net interest margin contracted to 1.74%, a reduction of 0.16 percentage points compared to the end of 2023 [10].