北京农商银行2024年业绩：营收近五年首次实现两位数增长

Core Viewpoint - Beijing Rural Commercial Bank reported a significant increase in both revenue and net profit for 2024, achieving a revenue of 18.063 billion yuan, a year-on-year growth of 18.09%, and a net profit of 7.973 billion yuan, a growth of 0.71%, outperforming the average performance of commercial banks in China [1] Group 1: Financial Performance - The bank's total assets reached 1.265215 trillion yuan by the end of 2024, reflecting a stable growth of 2.11% compared to the beginning of the year [2] - The loan balance increased by 10.2%, with loans accounting for a higher proportion of total assets, rising by 3 percentage points [2] - The bank successfully reduced high-cost deposits and issued 10 billion yuan in financial bonds and 10 billion yuan in perpetual bonds, improving its liability structure [2] Group 2: Asset Quality and Risk Management - The non-performing loan ratio decreased to 0.96%, with a provision coverage ratio of 322.71% and a capital adequacy ratio of 14.93%, all exceeding industry averages [2] Group 3: Strategic Focus and Service Development - The bank emphasized its dual focus on agriculture and commerce, providing 57 billion yuan in loans for rural revitalization in 2024, leading the industry in both scale and growth [3] - The bank established a comprehensive service network, including 1,415 rural financial convenience stores and 17 "Warm Stations," enhancing financial service accessibility in rural areas [3] - In support of major projects, the bank provided over 300 billion yuan in loans, achieving a project connection rate of 90.13% for key city and district projects [4] Group 4: Future Strategy - The bank's management outlined future strategic priorities, including enhancing strategic management, improving governance, promoting digital transformation, and reforming development mechanisms to adapt to high-quality growth [4]