罚没总额超9000万，民生银行业绩连降、频繁违规

Core Viewpoint - The article discusses the significant regulatory penalties imposed on China Minsheng Bank, highlighting ongoing compliance issues and challenges in financial performance, including declining profits and increasing credit impairment losses [5][13][17]. Regulatory Penalties - Recently, the National Financial Supervision Administration fined China Minsheng Bank 58.65 million yuan for imprudent management of loans, bills, and interbank business, as well as non-compliance in regulatory data reporting [5][6]. - This is the second major penalty for the bank this year, following a fine of 17.05 million yuan in January for multiple violations, including account management and anti-money laundering regulations [5][10]. - Since 2008, the total fines against China Minsheng Bank have reached 504 million yuan, with 72 penalties issued in 2025 alone, totaling 94.90 million yuan [10][11]. Financial Performance - For the first three quarters of 2025, China Minsheng Bank reported revenue of approximately 108.51 billion yuan, a year-on-year increase of 6.74%, but the net profit attributable to shareholders decreased by 6.38% [13]. - The bank has experienced negative growth in net profit for seven consecutive quarters since Q1 2024 [13]. - As of September 30, 2025, the bank's total assets were 7.87 trillion yuan, a slight increase of 0.74% from the previous year, while total loans and advances decreased by 0.31% [17]. Loan Quality and Credit Impairment - The bank's non-performing loans totaled 65.86 billion yuan, with a non-performing loan ratio of 1.48%, slightly up from the previous year [17]. - Credit impairment losses surged significantly, with the bank reporting 38.80 billion yuan in losses for the first nine months of 2025, an increase of 28.36% year-on-year [17][18]. - The average return on total assets was 0.49%, with a net interest margin of 1.42% for the same period [15]. Operational Challenges - The bank's operational challenges include a decline in personal loans by 3.17% and a decrease in corporate deposits by 2.65% [17]. - The bank's average total assets yield dropped to 0.36% in Q3 2025, indicating potential issues in asset management and profitability [15].