Core Viewpoint - Jinshang Bank emphasizes high-quality development and structural reform in its 2024 performance announcement, focusing on serving the real economy, risk management, and continuous transformation [2] Financial Performance - As of the end of 2024, Jinshang Bank's total assets reached 376.306 billion yuan, an increase of 15.001 billion yuan, or 4.15% from the previous year [3] - The deposit balance was 300.863 billion yuan, up by 19.781 billion yuan, or 7.04% [3] - The loan balance stood at 201.414 billion yuan, increasing by 9.978 billion yuan, or 5.21% [3] - The net profit for the year was 1.750 billion yuan [3] Service to the Real Economy - Corporate banking income accounted for 60% of total operating income, with a loan balance of 127.308 billion yuan, including 13.466 billion yuan in technology finance loans and 11.208 billion yuan in green finance loans [4] - The operating income from corporate banking was 3.480 billion yuan, representing 60.1% of total operating income [4] Retail Banking Development - Retail banking customer numbers grew from 3.313 million at the end of 2023 to 3.485 million at the end of 2024 [5] - Retail banking operating income was 1.387 billion yuan, making up 23.9% of total operating income [5] - The bank received multiple awards for its retail banking services and wealth management [5] Support for Small and Micro Enterprises - The balance of loans to small and micro enterprises reached 11.554 billion yuan, an increase of 1.722 billion yuan [6] - The number of small and micro enterprise loan customers rose to 5,576, an increase of 1,875 [7] - The non-performing loan ratio for small and micro enterprise loans was 3.29%, down by 0.52 percentage points [7] Asset Quality and Risk Management - The non-performing loan ratio was 1.77%, a decrease of 0.01 percentage points from the previous year [8] - The bank's provision coverage ratio was 205.46%, an increase of 6.75 percentage points [8] - Capital adequacy ratios were maintained above regulatory requirements, with a capital adequacy ratio of 12.84% [8] Digital Transformation - Jinshang Bank made significant progress in digital transformation, with mobile banking users increasing by 11.5% and transaction volume rising by 9.5% [9] - Video banking business volume grew by 61.3%, reaching nearly 2 million retail customers [9] - The efficiency of post-loan management improved by 70% [9]
晋商银行发布2024年业绩公告 稳中有进 经营发展迈上新台阶