Core Viewpoint - The era of easy profits in retail banking is over, as evidenced by the recent financial reports from listed banks for 2024, showing a decline in retail business performance across most institutions, with only China Merchants Bank reporting a slight increase in revenue [4][5]. Revenue and Profit Summary - China Merchants Bank reported retail revenue of 196.83 billion yuan, a year-on-year increase of 1.29%, while other banks experienced declines, with the largest drop being 45.04% for Bohai Bank [5][6]. - In terms of profit, all banks that disclosed data saw a decrease, with China Merchants Bank's profit declining by 9.28%, and Bohai Bank reporting a loss of 2.79 billion yuan [5][6]. Non-Performing Loan (NPL) Ratio Summary - The retail loan NPL ratio increased for most banks, with only Industrial Bank and Zhejiang Commercial Bank showing a decrease. Bohai Bank's NPL ratio surged to 4.15%, marking a significant increase of 1.9 percentage points [2][11]. - The rise in NPL ratios is attributed to external economic pressures, including declining household income and rising unemployment, impacting repayment capabilities [11][12]. Retail AUM Performance - China Merchants Bank led in retail Assets Under Management (AUM) with nearly 15 trillion yuan, significantly outpacing its competitors, and recorded an AUM growth rate of 12.05% [7][8]. - Other banks, such as CITIC Bank, also showed strong AUM growth, reaching 4.69 trillion yuan with a 10.62% increase [8]. Strategic Directions - Banks are shifting their retail strategies, focusing on deepening existing customer relationships rather than solely acquiring new clients. For instance, Industrial Bank emphasizes maximizing the value of existing customers, while others like Ping An Bank are undergoing a challenging retail transformation [15][16]. - The emphasis on wealth management and the transition from traditional deposit-taking to higher-value products is evident, with non-deposit AUM ratios being significantly higher in joint-stock banks compared to state-owned banks [9][10].

出品 | 搜狐财经 作者 | 冯紫彤 2020年，15岁的渤海银行冲击港股上市。"显著的后发优势"与零售业务迅速增长带来的高成长预期是其彼时的鲜明标签。 2024年，渤海银行零售业务仍然备受市场关注。但这次，"亏损""收缩"成为了关键词。 日前，渤海银行披露了2024年年度报告，走出了营收"三连降"的阴霾，交出了一份营、净双增的成绩单——全年实现营业收入254.82亿元，同比增长 1.94%；实现净利润52.56亿元，增长3.44%。 然而在资产规模扩张至1.84万亿元、存款突破万亿大关、不良贷款率下行至1.76%等稳健数据的背后，低至1.31%的净息差、税前利润亏损近28亿元的零售业 务、飙升至12.37%的消费贷款不良率同样令人惊讶、警惕。 信贷增长乏力，零售业务税前利润首现"亏损" 2024年，渤海银行零售银行实现营业收入46.08亿元，较2023年暴跌45.04%，在总营收中的占比也从33.54%将至18.08%；税前利润则更是从2023年度4.72亿 元降至净亏损27.87亿元。 可以说，2024年，零售银行业务成为了拖累渤海银行业绩表现的重要因素。 再具体看，2024年，渤海银行个人贷款规模的减项 ...

Core Viewpoint - The practice of performance salary clawback in the banking industry is becoming more common, with several banks reporting significant amounts of clawed-back salaries due to risk exposure and management failures [2][3][5]. Summary by Category Performance Salary Clawback - Several banks have reported clawing back performance salaries, including: - Bank of China: 2,469 instances totaling 32.5 million yuan [5] - Zheshang Bank: 1,424 instances totaling 30.34 million yuan [5] - Bohai Bank: 612 instances totaling 24.03 million yuan, with a 65.41% increase in the number of clawbacks over two years [3] - Zhongyuan Bank: 20.11 million yuan clawed back [6] - The average amount clawed back per individual varies, with Bohai Bank averaging 39,300 yuan per person [3]. Regulatory Environment - The performance salary clawback mechanism has been in place since 2010, with guidelines issued by the former China Banking Regulatory Commission [7]. - In 2021, further regulations were established to enhance the clawback mechanisms, specifying conditions under which salaries can be reclaimed [7]. - Recent government directives have emphasized the need for financial institutions to establish robust performance salary clawback systems [8]. Penalties and Compliance - Bohai Bank received 16 penalties in 2024, with a total fine of 2.75 million yuan, primarily related to loan management issues [4]. - Since 2021, Bohai Bank has accumulated 154 penalties totaling 199 million yuan [4]. - The banking sector as a whole faced 6,666 penalties last year, amounting to over 1.8 billion yuan, with rural commercial banks and state-owned banks being the most penalized [8]. Future Outlook - As regulatory scrutiny increases and banks improve governance, the performance salary clawback system is expected to become more standardized across the industry [9].

Core Viewpoint - The 2024 annual reports of listed banks reveal significant performance salary clawbacks, with a total amount exceeding 113 million yuan across nine banks, indicating a growing trend in enforcing accountability in executive compensation [1][4]. Summary by Category Performance Salary Clawbacks - Nine listed banks have disclosed their performance salary clawback situations in their 2024 annual reports, including major banks like Bank of China, Zhejiang Commercial Bank, and Bohai Bank [1][4]. - The total amount of clawbacks reported by these banks exceeds 113 million yuan, with Bank of China leading at 32.5 million yuan [1][4]. - The average clawback amount per person was highest at Bohai Bank, reaching 39,264.71 yuan, while Bank of China and Harbin Bank also reported significant average clawbacks exceeding 10,000 yuan [2][4]. Year-on-Year Comparison - Compared to 2023, several banks, including China Merchants Bank and Weihai Bank, did not disclose specific clawback amounts for 2024, despite having reported significant figures in the previous year [6]. - In 2023, China Merchants Bank had the highest clawback amount at 43.29 million yuan, affecting 4,415 employees with an average clawback of approximately 9,805 yuan [6]. Disclosure Trends - Zhejiang Commercial Bank and Zhongyuan Bank disclosed specific clawback amounts for the first time in 2024, indicating an improvement in transparency [7]. - Bohai Bank and Dongguan Rural Commercial Bank have consistently disclosed their clawback amounts for three consecutive years, showing a commitment to accountability [5][6]. Regulatory Context - The regulatory framework for performance salary clawbacks has been strengthened over the years, with guidelines established by the former China Banking Regulatory Commission and the China Banking and Insurance Regulatory Commission [10][11]. - As of 2023, over 95% of banking institutions have implemented performance salary clawback mechanisms, reflecting a significant shift towards more robust governance in the banking sector [11].

3月26日，渤海银行披露2024年年报，表面营收、净利润双增长，但深层结构却显现出日益凸显的风险 隐患。尤其是其个人消费贷款领域的不良率飙升至12.37%，远高于行业平均水平，令市场忧虑其资产 质量背后的"隐雷"。 净利润增长掩盖利息收入下滑 原标题： 渤海银行表面向好，实则"消费贷危机"暗流涌动 值得注意的是，渤海银行的消费贷发展一度依托互联网平台快速扩张。从2017年到2020年，消费贷规模 从88亿飙升至1170亿，占比一度达36.3%。而在监管政策收紧之后，该行才逐步压降相关资产。即便如 此，2024年仍有375亿元个人消费贷款，其中46.39亿元为不良，占比达12.37%。 高风险资产清理"刻不容缓"，资产转让折价引关注 去年7月，渤海银行曾公告计划以6折价格转让总额289.65亿元的债权包，最终最低标价为176.72亿元。 在业内人士看来，这种打包"甩卖"的行为虽有助于减压报表风险，但也凸显其高风险资产清理的紧迫性 与处置的"代价"。 非息收入"强撑"增长，投资交易收益充当"遮羞布" 在利息收入走低的背景下，渤海银行营收增长几乎全依赖于非息收入。2024年，其非利息净收入达 99.39亿元，同比增 ...

2024年，在存贷利率下调与"报行合一"政策等多重因素影响下，银行业进入前所未有的大分化时期。在 此背景下，银行能否锻造穿越经济周期的能力，培育出更多成长"节"，成为检验其经营韧性的关键标 尺。 作为国有金融机构，渤海银行始终秉持长期主义理念，扎实推进"九大银行"转型战略。该行聚焦"产 品、客户、渠道"三大维度持续提升金融服务质效，在实现业务突破的同时，更为自身发展锻造出坚实 的"节"。 随着上市公司2024年度报告陆续披露，作为"百业之母"的银行业，其业绩表现自然成为市场关注的焦 点。 3月26日晚间，渤海银行发布了2024年度业绩公告。从经营角度来看，"稳中向好"无疑是渤海银行带给 市场的初印象。 数据显示，截至报告期末，渤海银行资产总额攀升至18438.42亿元，较去年同期增长6.41%；营业收入 录得254.82亿元，较上一年度增长1.94%；净利润为52.56亿元，增长幅度达3.44%，达成了营收与净利 的"双增长"佳绩。 在业绩稳健增长的同时，自2024年起，渤海银行将金融"五篇大文章"作为服务实体经济的重点发力方 向，以前所未有的速度与力度布局"新质生产力"，以实际行动诠释着"不忘初心、方得始终 ...

数据显示，截至2024年末，渤海银行资产总额为18438.42亿元，同比增长6.41%；负债总额为17337.17 亿元，同比增长7.13%。报告期内，渤海银行实现营业收入254.82亿元，同比增长1.94%；净利润52.56 亿元，同比增长3.44%，实现营收与净利润的"双升"。 展望2025年，渤海银行党委书记、董事长王锦虹表示，该行将继续深耕"九大银行"转型，以特色化转型 促进差异化经营；做深做实客户、产品、清收、人才、分行"五个工厂"路径，推动经营发展行稳致远； 深化"三项制度"改革，重塑组织架构，强化考核导向，优化薪酬分配；发挥"一个核心区域"服务天津示 范作用，为全行服务实体经济打造样板。 渤海银行党委副书记、行长屈宏志表示，2025年，渤海银行将坚定践行金融服务实体经济的根本宗旨， 持续做深做实"五篇大文章"，坚持盘活存量、做优增量、提升质量，夯实客户基础，创新产品服务，升 级展业模式，紧跟政策导向、行业趋势，迭代经营理念、管理方法，持续推进转型发展，质焕新生，在 渤海银行高质量发展新征程上再创佳绩。 存款规模突破"万亿"大关 经营成果稳中提质 从财报来看，2024年，渤海银行资产规模稳步提升， ...

3月26日，渤海银行交出了一份近年少有的亮眼财报：去年该行营收和净利润双双增长，扭转了2023 年"双降"局面。不过，业绩有起色背后，仍有一些问题值得关注。 去年，渤海银行不良贷款率为1.76%，高于商业银行平均水平，在已经公布去年不良贷款率数据的股份 行中也为最高。此外，该行零售银行业务进一步"萎缩"，营收占比降至18.08%，税前利润则亏损了近28 亿元。 不良贷款率在股份行中最高 根据财报，截至2024年末，渤海银行全行不良贷款率1.76%，比上年末下降0.02个百分点。 南都湾财社记者统计发现，近5年来，渤海银行不良贷款率一直在1.7%以上。2020年为1.77%，2021年 和2022年则降为1.76%，2023年，在股份行不良贷款率普遍下降的情况下，渤海银行不良率不降反升， 至1.78%。 国家金融监督管理总局此前发布的数据显示，去年四季度末，商业银行整体不良贷款率为1.50%，其 中，股份制商业银行平均不良贷款率为1.22%。这意味着，渤海银行的不良贷款率不仅高于股份行平均 水平，也高于商业银行整体平均水平。 此外，对比已经发布财报或业绩快报的股份行，渤海银行的不良贷款率也属最高。南都湾财社记者 ...

报告期内，渤海银行利息净收入155.42亿元，比上年下降11.92%；净利差1.12%，比上年下降0.07个百 分点；净利息收益率1.31%，比上年下降0.10个百分点。渤海银行指出，主要由于该行积极贯彻落实国 家政策，持续让利实体经济，资产端收益率同比下降，是净利差及净利息收益率收窄的主要因素。 2024年，渤海银行手续费及佣金净收入29.74亿元，比上年下降25.63%。渤海银行表示，主要由于代理 与资产管理业务手续费较上年有所下降。 在利息净收入和手续费及佣金净收入等下滑的情况下，2024年，渤海银行其他非利息净收入69.65亿 元，比上年增长107.76%。渤海银行称，主要由于交易收益净额较上年增长87.47%，金融投资净收益较 上年增长116.13%。 个人消费类贷款不良率超12% 截至去年末，渤海银行资产总额达到18438.42亿元，比上年末增长6.41%。渤海银行称，主要原因是金 融投资项目的快速发展带动了资产规模的增长。 近日，渤海银行发布2024年度业绩公告，数据显示，2024年该行实现营业收入254.82亿元，较上年增长 1.94%；实现净利润52.56亿元，较上年增长3.44%。 然而， ...

近期，伴随着消费金融领域的政策密集落地，金融机构不断发力消费贷。然而，记者留意到，金 融"卷"消费贷的背后，面临着一大挑战：不良贷款率。 银行作为消费贷的"主力军"，目前不良贷款率呈现两极分化。如招商银行2024年度报告显示，截至2024 年12月31日，该行消费贷款的不良贷款率为1.04%，较上年末下降0.05个百分点。与此同时，部分银行 个人消费贷的不良率情况较为严峻，如渤海银行2024年度业绩公告显示，截至2024年年底，该行个人消 费类贷款的不良贷款率攀升至12.37%，较2023年年底上升近8个百分点。 据国家金融监督管理总局公布的数据显示，2024年四季度末，商业银行不良贷款余额3.3万亿元，较上 季末减少977亿元；商业银行不良贷款率1.50%，较上季末下降0.05个百分点。不过，其中城市商业银 行、民营银行和农村商业银行的不良贷款率均高于1.5%，分别为1.76%、1.66%和2.80%。 素喜智研高级研究员苏筱芮表示，未来，在新规指引下，消费贷竞争也将逐步从"价格战"转向消费场景 等综合服务的比拼，机构将着重打造自营获客能力、优质场景挖掘能力以及先进科技能力，在确保风险 可控的前提下，围绕重 ...