民营银行2024年业绩分化明显，微众、网商总资产规模合计破万亿

Core Viewpoint - The performance of 13 private banks in 2024 shows significant differentiation, with leading banks like WeBank and MyBank continuing to excel in asset scale and revenue despite a challenging environment characterized by narrowing net interest margins and revenue pressures [1][2]. Group 1: Overall Performance - The total assets of the 13 banks reached 1.9 trillion yuan, reflecting a year-on-year growth of 11.4% [1][3]. - Among the 12 banks that reported revenue, 7 achieved positive growth, with 5 experiencing double-digit increases [1]. - WeBank and MyBank led the sector with asset scales exceeding 450 billion yuan and revenues surpassing 20 billion yuan [1]. Group 2: Individual Bank Performance - WeBank reported a revenue of 38.128 billion yuan and a net profit of 10.903 billion yuan, while MyBank achieved a revenue of 21.314 billion yuan and a net profit of 3.166 billion yuan [2]. - WeBank's profits are primarily derived from microloans to individuals, while MyBank focuses on small and micro enterprises, indicating different risk profiles and customer bases [2]. - SuShang Bank and ZhongBang Bank emerged as growth benchmarks among smaller private banks, with SuShang Bank's revenue exceeding 5 billion yuan and a net profit of 1.159 billion yuan, reflecting a year-on-year growth of 10.34% [4]. Group 3: Challenges and Declines - The third-tier banks, such as Zhongguancun Bank and Minshang Bank, faced declines in revenue and net profit, with Minshang Bank's net profit dropping by 43.48% [5]. - Blue Ocean Bank and Xishang Bank experienced significant revenue declines of 39.42% and 25.17%, respectively, with Blue Ocean Bank's net profit also falling by 47.86% [7]. - The asset scale growth of NewNet Bank slowed dramatically from 21.36% in 2023 to just 0.68% in 2024, marking it as the slowest among the 13 banks [8]. Group 4: Future Outlook - The private banking sector may face challenges in 2025 due to deepening interest rate adjustments and continued narrowing of net interest margins, necessitating a focus on differentiated services and technological innovation to remain competitive [9].