Core Insights - 2024 is a milestone year for Zhongyuan Bank, emphasizing reasonable growth in quantity and effective improvement in quality amidst a complex economic environment [1][2] Financial Performance - As of the end of 2024, Zhongyuan Bank reported a net profit of 3.446 billion yuan, a year-on-year increase of 7% [3] - The total assets reached 1.36 trillion yuan, an increase of 18.751 billion yuan compared to the previous year [3] Operational Efficiency - Non-interest income ratio increased from 14.97% in 2023 to 17.00% in 2024, driven by higher net fees and commissions and investment securities income [4] - Cost-to-income ratio improved from 40.07% to 38.80%, indicating enhanced operational efficiency [4] - Capital adequacy ratio rose to 13.02%, up by 1.38 percentage points from the previous year, enhancing risk resilience [4] - Non-performing loan ratio slightly decreased from 2.04% to 2.02%, maintaining stable asset quality [4] Customer Deposits and Loans - Customer deposits exceeded 889.4 billion yuan, with a growth rate of 6.20% [4] - Loan scale surpassed 714.4 billion yuan, with a growth rate of 1.0% [4] - Loan-to-deposit ratio decreased from 84.47% to 80.33%, providing more liquidity [4] Strategic Development - Zhongyuan Bank is focusing on four strategic directions: government banking, industrial banking, citizen banking, and rural revitalization banking to create competitive advantages [5] - Retail banking is positioned as a cornerstone, with asset management scale exceeding 645.4 billion yuan and retail customer base surpassing 35.43 million [5] Digital Transformation - The bank is accelerating digital transformation, with mobile banking user numbers reaching 17.56 million and monthly active users at 4.45 million [5] - Online platforms provided 187.4 billion yuan in supply chain financing, promoting industry chain collaboration [5] Support for Small and Micro Enterprises - By the end of 2024, Zhongyuan Bank provided 74.848 billion yuan in inclusive micro loans, with a weighted average interest rate of 3.96% [8] - Inclusive micro loan balance reached 90.097 billion yuan, with a year-on-year increase of 6.32 billion yuan, achieving regulatory targets [8] Focus on Manufacturing and Regional Development - The bank has increased support for the manufacturing sector, with industrial financial loans reaching 159.6 billion yuan, an increase of 19.2 billion yuan [11] - Loans to private enterprises reached 222.938 billion yuan, growing by 4.693 billion yuan [11] Environmental and Rural Support - Zhongyuan Bank supported ecological protection and high-quality development in the Yellow River basin with over 6.6 billion yuan in loans [12] - Agricultural loans reached 171.9 billion yuan, contributing to rural revitalization efforts [12] Future Outlook - The bank aims to focus on "four high and four first" strategies, targeting the goal of becoming a first-class urban commercial bank while enhancing its core competitiveness [12]
稳中提质，差异化优势渐显，中原银行2024年业绩交出亮眼答卷