营收提速、息差稳定、分红提升 宁波银行2024年报实现高质量发展

Core Viewpoint - Ningbo Bank has demonstrated resilience and stability in its 2024 annual performance, achieving significant growth in total assets, operating income, and net profit despite a complex macroeconomic environment [1][2]. Financial Performance - Total assets reached 31,252.32 billion yuan, a 15.25% increase from the beginning of the year [5]. - Operating income was 666.31 billion yuan, reflecting an 8.19% year-on-year growth [2]. - Net profit attributable to shareholders was 271.27 billion yuan, up 6.23% year-on-year [1][2]. Revenue Structure - Net interest income grew by 17.32% to 47,993 million yuan, while non-interest income decreased by 9.87% to 186.38 billion yuan, accounting for 27.97% of total revenue [2][3]. - The bank has diversified its profit sources, establishing nine profit centers within the bank and four in subsidiaries, enhancing its sustainable development capabilities [3]. Interest Margin and Loan Growth - The net interest margin was 1.86%, with a slight decline of 2 basis points year-on-year [4]. - Both deposits and loans grew by 17%, with customer deposits at 18,363.45 billion yuan and loans at 14,760.63 billion yuan [5]. Dividend Policy - The bank plans to distribute a cash dividend of 9 yuan per 10 shares, with a dividend payout ratio of 22.77%, an increase of 6.8 percentage points from 2023 [6]. - The bank maintains a strong asset quality with a non-performing loan ratio of 0.76% and a provision coverage ratio of 389.35% [6]. Capital Adequacy - As of the end of 2024, the capital adequacy ratio was 15.32%, with a tier 1 capital ratio of 11.03% and a core tier 1 capital ratio of 9.84% [7]. - The bank emphasizes the importance of balancing capital and funding efficiency while enhancing its internal capital accumulation capabilities [7].