Core Viewpoint - China Bank's 2024 performance highlights its commitment to "financial for the people" and its role in supporting the real economy through strategic financial services [2][3][17] Financial Performance - Total assets exceeded 35 trillion yuan, a year-on-year increase of 8.11% - Operating income reached 632.8 billion yuan, up 1.38% year-on-year - Net profit after tax was 252.7 billion yuan, reflecting a growth of 2.58% - Cost-to-income ratio improved to 28.77%, indicating enhanced operational efficiency [2] Technology Finance - China Bank provided credit support to over 100,000 technology enterprises, with a loan balance of 1.91 trillion yuan, marking a growth of 29.67% [3] - The bank has established a comprehensive financial service matrix tailored to the lifecycle of technology enterprises [4] - A total of over 710 billion yuan in comprehensive financial services has been provided to technology companies [4] Green Finance - Green credit balance surpassed 4 trillion yuan, with an increase of over 30% - Green bond investment exceeded 100 billion yuan, with leading underwriting scale in the market [6] - The bank has launched various green financial products, including services linked to low-carbon transformation [6][7] Inclusive Finance - Inclusive finance loan balance reached 2.28 trillion yuan, growing by 29.63% - The bank supported nearly 1.5 million small and micro enterprises, with a growth rate of 39.62% [8] - Agricultural loans totaled 2.5 trillion yuan, with inclusive agricultural loans growing by 36.41% [8] Pension Finance - Over 10 million personal pension accounts have been opened, addressing the needs of an aging population [11] - The bank has managed 2.59 trillion yuan in enterprise annuity funds and 1.17 trillion yuan in pension trust funds [12] - A comprehensive pension financial service system has been established, integrating various financial products [12][13] Digital Finance - China Bank has implemented a digital financial action plan with 39 strategic projects for 2024-2026 [15] - The bank's core system handles approximately 290 million transactions daily, supporting stable operations [15] - Digital transformation has enhanced service efficiency, with significant growth in active users across various digital platforms [16]
中国银行营收盈利双增长 “五篇大文章”驱动高质量发展