瑞丰银行2024年年报：营收净利双位数增长，年内追索扣回绩效薪酬 110.73 万元

Core Insights - 瑞丰银行's 2024 annual report indicates a robust growth trend, with total assets reaching 220.50 billion yuan, an increase of 23.61 billion yuan or 11.99% from the beginning of the year [1] - The bank's operating income for 2024 was 4.39 billion yuan, a year-on-year increase of 15.29%, while net profit attributable to shareholders was 1.92 billion yuan, up 11.27% [1] - Despite the overall growth, net interest income declined by 1.65% to 3.00 billion yuan, with the net interest margin narrowing from 1.73% in 2023 to 1.50% [1] - Non-interest income surged by 84.25% to 1.38 billion yuan, driven by a 100.52% increase in investment income, which reached 942 million yuan [1] Financial Performance - The cost-to-income ratio improved to 31.24%, down 3.46 percentage points from the previous year, indicating effective cost management [2] - Employee compensation decreased to 702 million yuan, a reduction of 14.93 million yuan from the previous year, while total remuneration for directors and executives rose to 14.62 million yuan, an increase of 1.38 million yuan [2] Asset Quality - As of the end of 2024, the non-performing loan (NPL) ratio remained stable at 0.97%, while the provision coverage ratio increased by 16.75 percentage points to 320.87% [2] - However, the loan migration rate for suspicious loans significantly increased to 52.90%, compared to 22.00% in the previous year, indicating potential risks in loan quality [2] Capital Adequacy - The bank's core Tier 1 capital adequacy ratio stood at 13.67%, with the Tier 1 capital ratio at 13.68% and the total capital adequacy ratio at 14.87%, all showing improvement from the end of 2023 [3]