Yang Wenhua has been newly appointed as a member of the Party Committee at the headquarters of CEB BANK! He previously served as the General Manager of the Legal & Compliance Department at the headquarters and is currently the Chairman and General Manager of CEB FinTech.
After nearly a year, CEB BANK has once again promoted an internal executive with extensive experience in risk control and compliance. Official website updates show that Yang Wenhua is now a member of the CEB BANK Party Committee, concurrently holding the positions of Party Committee Secretary, Chairman, and General Manager of CEB FinTech. According to a message from CEB BANK's official WeChat account, Yang had already attended the bank's 2026 work conference as a senior leader.
Yang Wenhua is the second risk management veteran promoted by CEB BANK within a year. In late February 2025, CEB BANK established the position of Chief Risk Officer for the first time, appointing Ma Bo, then General Manager of the Risk Management Department, to the role. Consequently, among the bank's eight senior executives excluding the Chairman, four now have backgrounds rooted in risk control, including Vice Presidents Qi Ye and Yang Bingbing. Notably, as the one-year transition period for the newly introduced "Administrative Measures for Compliance of Financial Institutions" (ending March 2026) approaches its conclusion, CEB BANK has not yet established a Chief Compliance Officer position, and Yang Wenhua's professional background appears particularly suited for such responsibilities.
Following the establishment of the Chief Risk Officer role, CEB BANK has appointed another Party Committee member with deep expertise in risk control and compliance. Conventionally, following a board resolution and approval from the National Financial Regulatory Administration, he will assume the role of Vice President. The bank's official website updated this change on January 26. Profile information indicates that Yang Wenhua, born in 1969, has served at CITIC Industrial Bank (the predecessor of China CITIC Bank) and CEB BANK. Early in his career, Yang held positions including Deputy Branch Manager of CITIC Industrial Bank's Beijing Zhichun Road Sub-branch, Secretary to the Executive Vice President, Deputy General Manager of the Comprehensive Management Department within the Corporate Banking Headquarters, and Deputy General Manager of the Risk Policy Department, participating in corporate banking management and risk policy formulation. In 2006, Yang Wenhua moved to CEB BANK, serving successively as Assistant General Manager and Deputy General Manager of the Head Office Credit Approval Department, General Manager of the Asset Preservation Department, General Manager of the Special Asset Management Department, and General Manager of the Legal & Compliance Department concurrently serving as Director of the Accountability Committee Office, amassing extensive experience in non-performing asset disposal, special asset management, and legal compliance risk management. In early 2025, Yang was transferred to CEB FinTech, a first-tier wholly-owned subsidiary of China Everbright Group, where he currently serves as Party Committee Secretary, Chairman, and General Manager, until this recent adjustment. It is reported that CEB FinTech was established in December 2016 with a registered capital of 400 million yuan, positioned as the technology innovation enablement platform for China Everbright Group, aiding the group's digital transformation. Around the same time last year, CEB BANK promoted Ma Bo, then General Manager of the Risk Management Department and General Manager of the Intelligent Operations Center, to become the bank's first Chief Risk Officer. Prior to this, CEB BANK only had a "Risk Designee," a role concurrently held by Vice President Yang Bingbing since October 2021. This means Yang Wenhua is the second senior executive promoted from the risk control function within less than a year. In fact, among the current eight senior executives at CEB BANK, besides Yang Wenhua and Ma Bo, two others also have risk control experience: Vice President Qi Ye previously served as Chief Risk Officer of the Retail Banking Department, Resident Retail Risk Director in the Risk Management Department, and Microfinance Risk Director; Vice President Yang Bingbing previously served as Deputy General Manager of the Risk Management Department and the Risk Designee. Currently, aside from Chairman Wu Lijun, the senior management at CEB BANK's headquarters includes Party Committee Secretary and President Hao Cheng, Party Committee Member and Secretary of the Discipline Inspection Commission Song Bingfang, Party Committee Member and Vice Presidents Qi Ye and Yang Bingbing, Party Committee Member, Vice President, and Chief Financial Officer Liu Yan, Party Committee Member Yang Wenhua, Chief Risk Officer Ma Bo, and Board Secretary, Joint Company Secretary, and Chief Business Director Zhang Xuyang.
As a special enterprise operating on risk, risk management remains the core competency of banking operations. With the ongoing intensification of financial regulation, higher demands are placed on banks' internal control, compliance, and risk management capabilities. Data shows that in 2025, the "one central bank and two regulatory commissions" issued a total of 2,588 penalties to banking institutions, with total fines amounting to 2.641 billion yuan, a significant increase compared to the 1,981 penalties and approximately 1.397 billion yuan in fines in 2024. Among these, CEB BANK received over 40 penalties last year, accumulating fines exceeding 58 million yuan, ranking among the top three joint-stock banks. Judging from various actions, CEB BANK is systematically enhancing compliance and risk control from both institutional and personnel management perspectives. In December 2025, CEB BANK held its tenth board of directors' second meeting, reviewing and passing the formulation of the "Basic Compliance Management Measures" to provide standardized compliance guidelines for the entire bank. In terms of personnel setup, according to the annual reports of 2023 and 2024, to enhance internal control and compliance capabilities, CEB BANK has also been consciously increasing staffing in management and support functions.
Regarding specific indicators of risk control performance, CEB BANK ranks at a medium level among peers. As of the end of the third quarter of 2025, CEB BANK's non-performing loan (NPL) ratio stood at 1.26%, which is 26 basis points lower than the industry average NPL ratio of 1.52% for commercial banks in the third quarter, as disclosed by the National Financial Regulatory Administration. Furthermore, over the past decade, CEB BANK's NPL ratio has been reduced from 1.61% in 2015 to around 1.25%, while the loan loss provision coverage ratio has generally shown an upward trend over the same period, indicating continuously improving risk resilience.
Discussing subsequent risk trends, Ma Bo stated at the end of October performance briefing that the pressure on asset quality is mainly concentrated in the real estate sector and corporate-related upstream and downstream industries of real estate. In retail lending, loans related to property sales face significant pressure, while structural contradictions exist to some extent in industries such as photovoltaics, automobiles, steel, and petrochemicals, requiring high attention to risks and spillover effects. At the CEB BANK 2026 work conference, senior leadership explicitly set requirements for compliance risk management: continuously improve the comprehensive risk management system, intensify efforts in non-performing asset disposal and recovery, strengthen overseas risk control and management, adhere to the bottom line of internal control and compliant operations, and continuously fortify the safety防线 for high-quality development.
Historically, as one of the earliest joint-stock banks in China to promote an internationalization strategy, CEB BANK has achieved industry leadership in multiple areas. In the future, effectively responding to changes in risk and compliance while seizing opportunities from the new round of industrial structure transformation and upgrading will be a crucial challenge for CEB BANK.
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