网商银行2024年年报：客户资产管理规模突破1万亿，综合金融业务成第二增长曲线

Core Insights - The company reported a stable performance in 2024, with total assets reaching 471.035 billion yuan, a 4.2% increase from the beginning of the year, and operating income of 21.314 billion yuan, reflecting a year-on-year growth of 13.7% [1] - Net profit for the year was 3.166 billion yuan, and the company has provided comprehensive financial services to over 68 million small and micro enterprises, with asset management scale surpassing 1 trillion yuan [1] Group 1 - The company has launched the "Cuckoo" intelligent inclusive wealth management system to meet the demand for small micro liquidity management, utilizing AI models to predict cash flow and risk preferences [1] - The "Cuckoo" system has served over 8 million users, improving fund utilization efficiency by 10% for small micro business owners [1] - The company ranks second in the industry for the scale of third-party bank wealth management products sold, with over 3.43 million users on the "Stable Profit" platform [1] Group 2 - The company has introduced the "E-commerce Pass" to provide comprehensive financial services for e-commerce merchants, with one in three e-commerce businesses currently using it [2] - The upgraded "Chain Pass" service has supported 34,000 chain brands and 1.78 million individual franchisees in the restaurant and convenience store sectors [2] - The company’s asset management scale has surpassed 1 trillion yuan, indicating initial success in its transformation towards comprehensive financial services [2] Group 3 - The company has maintained a 30-day loan non-performing rate of 2.30%, consistent with the previous year, while the 60-day rate is reported at 2.00%, indicating manageable overall risk [2] - Despite a slight decrease in net profit, the company continues to enhance its provision coverage ratio and increase support for small micro enterprises [2]