中国银行去年净赚2378亿增2.56%，房地产行业仍是境内新发生不良的第一大行业

Core Viewpoint - China Bank reported a net profit of 237.84 billion yuan in 2024, marking a year-on-year increase of 2.56%, while the real estate sector remains the largest source of new non-performing loans domestically [3][8]. Financial Performance - In 2024, China Bank achieved operating revenue of 630.09 billion yuan, a year-on-year growth of 1.16% [3]. - The net interest income was 448.93 billion yuan, down 3.77% year-on-year, with interest income from loans and advances at 745.36 billion yuan, a decrease of 0.7% [4][5]. - Non-interest income reached 181.16 billion yuan, up 15.87% year-on-year, driven by a significant increase in other non-interest income [4][5]. Asset Quality - As of the end of 2024, the total amount of non-performing loans was 268.78 billion yuan, with a non-performing loan ratio of 1.25%, a slight decrease of 0.02 percentage points from the previous year [6][7]. - The non-performing loan ratio for the real estate sector was 4.94%, the highest among all industries, although it showed a year-on-year decline [7][8]. Capital Adequacy - By the end of 2024, China Bank's total assets reached 35.06 trillion yuan, an increase of 8.11% year-on-year, with total liabilities of 32.11 trillion yuan, also up by 8.2% [5][6]. - The capital adequacy ratio stood at 18.76%, with the core tier one capital ratio at 12.20%, both showing improvements from the previous year [8][9].