CEB BANK(601818) 中国经营报·2025-04-01 23:17Core Viewpoint - China Everbright Bank prioritizes serving the real economy, with a steady increase in credit investment, particularly in technology enterprises, strategic emerging industries, and green finance, all showing growth rates exceeding 40% [1][2]. Group 1: Financial Performance - As of the end of 2024, China Everbright Bank's total operating income was 135.415 billion yuan, a year-on-year decrease of 7.05%, while net profit reached 41.911 billion yuan, an increase of 2.03% [2]. - The bank's total loans and advances amounted to 3.93 trillion yuan, reflecting a year-on-year growth of 3.88% [2]. - The non-performing loan ratio stood at 1.25%, unchanged from the previous year [2]. Group 2: Credit Investment Focus - In 2024, the bank's total credit scale approached 4 trillion yuan, with significant growth in technology finance and green finance, each exceeding 100 billion yuan [2]. - The loan balance for technology enterprises reached 379.5 billion yuan, growing by 42.06%, while loans for strategic emerging industries increased by 45.5% to 322 billion yuan [2]. - Green loan balances reached 442.4 billion yuan, marking a growth of 41% [2]. Group 3: Future Plans and Strategies - For 2025, the bank plans to allocate 70% of new loans to key areas such as technology, green finance, inclusive finance, manufacturing, and agriculture [4]. - The bank aims to enhance its role as a leading institution in the industrial chain, focusing on specialized financial support for key industries [4]. - The bank's digital transformation efforts include an annual technology investment of 4.85% of operating income and a dedicated team of 3,000 personnel [5]. Group 4: Market Position and Shareholder Engagement - The bank's cash dividend for 2024 reached 11.167 billion yuan, with a dividend payout ratio of 30.14%, reflecting an increase compared to the previous three years [6]. - The bank's A-share dividend yield is 5%, while the H-share yield exceeds 6%, positioning it favorably against many fixed-income products [6]. - The bank's strategic plan for 2025 aims to establish itself as a leading digitalized commercial bank with distinctive advantages [6].