华夏银行2024年业绩：投资收益、债市交易拉动利润增长4.98％

Core Insights - 华夏银行 reported a total asset of 43,764.91 billion yuan in 2024, a year-on-year increase of 2.86%, and a net profit attributable to shareholders of 27.676 billion yuan, up 4.98% from the previous year, with both non-performing loan balance and non-performing loan ratio decreasing [1][5]. Financial Performance - Interest income decreased by 91.28 billion yuan, down 5.87% year-on-year, with net interest income from loans and advances dropping due to interest rate factors [2][3]. - Non-interest income increased by 123.18 billion yuan, a growth of 54.11%, driven by significant increases in investment income, fair value changes, and foreign exchange gains [2][3]. Loan Portfolio - Corporate loans have expanded for three consecutive years, with balances rising from 14,457.11 billion yuan in 2022 to 15,682.35 billion yuan in 2024, while personal loans decreased by 2.843 billion yuan [5][6]. - The average interest rate for corporate loans fell from 4.43% in 2022 to 3.80% in 2024, while personal loan rates showed a slight decline [6][7]. Asset Quality - The non-performing loan balance for corporate loans decreased by 13.45 billion yuan, with a non-performing loan ratio of 1.59%, down 0.17 percentage points [6][7]. - In the real estate sector, non-performing loans decreased by 3.43 billion yuan, with a non-performing loan ratio down by 0.45 percentage points, indicating improved asset quality in this segment [7]. Strategic Focus - In 2025, the bank plans to enhance interest margin management and diversify service offerings to boost non-interest income, while maintaining a focus on asset quality [4][5]. - The bank will continue to support the real estate sector in line with national financial policies, ensuring a stable development of real estate business [7].