空缺半年后，海南银行迎来新行长

Core Viewpoint - The appointment of Liu Guoxin as the new president of Hainan Bank marks a significant leadership change after a vacancy of over six months, with expectations for continued growth in the bank's operations and financial performance [1][2]. Group 1: Company Overview - Hainan Bank is the only provincial-level city commercial bank in Hainan, with a total share capital of 3 billion shares and registered capital of 3 billion RMB [1]. - As of the end of 2024, Hainan Bank's total assets reached 118.03 billion RMB, reflecting a year-on-year growth of 5.89% [1]. - The bank's total deposit balance was 74.43 billion RMB, with a year-on-year increase of 7.70%, while the total loan balance was 64.60 billion RMB, showing a year-on-year growth of 11.28% [1]. Group 2: Leadership Background - Liu Guoxin has extensive experience in financial institutions and regulatory work, having held various positions in China Cinda Asset Management and the Hainan provincial government financial office [2]. - Prior to his appointment at Hainan Bank, Liu served as the deputy president of Hainan Rural Commercial Bank and held other significant roles within the banking sector [2]. Group 3: Financial Performance - Hainan Bank reported a total operating income of 2.48 billion RMB for the year 2024, an increase of 263 million RMB, representing a growth rate of 11.85% [2]. - The bank achieved a pre-provision profit of 1.54 billion RMB, up by 110 million RMB, with a growth rate of 7.74% [2]. - The net profit for 2024 was 452 million RMB, a decrease of 50 million RMB, reflecting a decline of 9.93% [2]. - The non-performing loan ratio stood at 1.71%, an increase of 0.09 percentage points year-on-year, while the provision coverage ratio improved to 344.73% and the loan provision ratio was 5.91%, both showing year-on-year increases [2].