Xi Niu Cai Jing·2025-03-28 07:34Core Insights - In 2024, the Bank of Communications achieved operating income of 259.83 billion yuan, a year-on-year increase of 0.87% [2] - The net profit attributable to shareholders reached 93.59 billion yuan, reflecting a growth of 0.93% compared to the previous year [2] Financial Performance - Net interest income was 169.83 billion yuan, up 3.48% from 164.12 billion yuan in 2023 [3] - Non-interest income totaled 89.99 billion yuan, a decrease of 3.72% from 93.47 billion yuan [3] - The bank's total assets reached 14.90 trillion yuan, growing by 5.98% year-on-year [3] - Customer loan balance increased to 8.56 trillion yuan, up 7.52% from the previous year [3] - Customer deposit balance rose to 8.80 trillion yuan, an increase of 2.91% [3] - The non-performing loan ratio improved to 1.31%, down 0.02 percentage points [3] - Provision coverage ratio increased to 201.94%, up 6.73 percentage points [3] Revenue Breakdown - Interest income accounted for 65.36% of total operating income, indicating its significance in the revenue structure [4] - Fee and commission income decreased to 36.91 billion yuan, down 14.16% year-on-year [4] - Other non-interest income rose to 53.08 billion yuan, an increase of 26.12% [4] - Investment income and net gains from fair value changes totaled 29.58 billion yuan, up 8.67% [4] Dividend Distribution - The bank plans to distribute a cash dividend of 0.197 yuan per share, totaling 14.63 billion yuan based on 742.63 billion shares [5]