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网商银行去年营收同比涨14%，综合金融业务成第二增长曲线
Nan Fang Du Shi Bao·2025-04-30 13:09

Core Viewpoint - The annual report of Weshang Bank for 2024 indicates steady growth in operations, with total assets reaching 471.035 billion RMB, a 4.2% increase from the beginning of the year, and operating income of 21.314 billion RMB, reflecting a year-on-year growth of 13.7% [2][3]. Financial Performance - Total assets amounted to 471.035 billion RMB, up 4.2% from the start of the year [2]. - Operating income was 21.314 billion RMB, a 13.7% increase compared to 2023 [2][3]. - Net profit for the year was 3.166 billion RMB, down from 4.203 billion RMB in 2023 [3]. - The bank's operating profit was 3.404 billion RMB, slightly down from 3.421 billion RMB in the previous year [3]. - Credit impairment losses increased to 12.060 billion RMB from 10.037 billion RMB in 2023 [3]. - The net cash flow from operating activities was -40.590 billion RMB, worsening from -17.421 billion RMB in 2023 [3]. Business Development - Weshang Bank has focused on developing transaction banking services to meet the growing financial needs of small and micro enterprises [4]. - The "Cuckoo" intelligent inclusive wealth management system was launched, serving over 8 million users and improving fund utilization efficiency by 10% [4]. - The bank's third-party bank wealth management product distribution ranks second in the industry, with over 343,000 users on the "Stable Wealth" platform [5]. Service Innovation - The "E-commerce Pass" service provides comprehensive financial services for e-commerce businesses, with one in three e-commerce companies using it [6]. - The upgraded "Chain Pass" service caters to the needs of chain brands in the restaurant and convenience store sectors, serving 34,000 chain brands and 1.78 million individual franchisees [6]. - The bank's asset management scale has surpassed 1 trillion RMB, indicating successful transformation in comprehensive financial services [6]. Risk Management - The bank reported a 30-day loan non-performing rate of 2.30%, consistent with the previous year, while the 60-day rate was 2.00% [6].