Core Viewpoint - Youli Bank (China) Co., Ltd. has been penalized by the State Administration of Foreign Exchange (SAFE) for violating regulations related to internal guarantees for external loans, resulting in a total fine of 14.85 million yuan [2][3]. Group 1: Regulatory Actions - Youli Bank was issued a warning and fined a total of 14.85 million yuan for illegal activities related to internal guarantees for external loans [2][3]. - The violations pertained to the bank's failure to comply with the "Cross-Border Guarantee Foreign Exchange Management Regulations" and related notifications [3][4]. - This is not the first time Youli Bank has faced penalties for similar violations, having been fined 900,000 yuan in June 2022 for serious breaches of prudent operating rules [4]. Group 2: Financial Performance - According to Fitch Ratings, Youli Bank's average revenue growth from 2022 to 2024 is projected to be approximately 8.1%, with a slowdown expected in 2024 [5]. - As of the end of 2024, Youli Bank's total assets amounted to 34.29 billion yuan, with total loans (excluding accrued interest) at 17.52 billion yuan and total deposits at 28.14 billion yuan [5]. - The bank achieved a revenue of 680 million yuan in 2024, with about 89% of this coming from net interest income, resulting in a net profit of approximately 100 million yuan [5]. - The bank's asset quality is under pressure, with a non-performing loan ratio rising to 2.05% by the end of 2024, an increase of 0.96 percentage points from 2023 [5].