ZRCBANK(SZ:002839) Zheng Quan Shi Bao Wang·2025-03-29 07:38Group 1: Financial Performance - In 2024, the company achieved an operating income of 4.711 billion yuan, a year-on-year increase of 3.75% [1] - The net profit attributable to shareholders reached 1.879 billion yuan, reflecting a growth of 5.13% compared to the previous year [1] - As of the end of 2024, total assets amounted to 218.908 billion yuan, representing a growth of 5.69% from the end of 2023 [1] Group 2: Asset Quality - The non-performing loan ratio stood at 0.94%, remaining stable compared to the previous year [1] - The provision coverage ratio was 376.03%, indicating a high level of risk resistance despite a slight decrease from the previous year [1] Group 3: Strategic Initiatives - The company has established a "11183" strategic system aimed at becoming a benchmark for high-quality development within the rural commercial bank sector [2] - Focus areas include enhancing inclusive financial services and increasing credit support for small and micro enterprises and the agricultural sector [2] - The company has implemented a "grid visit + anti-fraud" model to strengthen its inclusive customer base [2] Group 4: Financial Market Development - The company has developed a robust investment banking segment, optimizing its liability structure and actively engaging in investment activities [3] - By the end of 2024, the wealth management scale reached 20.902 billion yuan, with a significant increase of 456.85% in the agency sales of wealth management products [3] - The company aims to deepen its inclusive finance, strengthen corporate finance, and specialize in financial market operations as part of its future vision [3]