加大风险资产处理力度 华润银行2024年净利润暴跌近七成

Core Viewpoint - Zhuhai China Resources Bank reported a decline in net profit for 2024, primarily due to significant credit impairment losses, despite a slight increase in operating income [1][3]. Financial Performance - The bank achieved operating income of 7.138 billion yuan, an increase of 331 million yuan, or 4.87%, compared to the previous year [1]. - Net profit was 449 million yuan, a decrease of 953 million yuan, or 67.97%, marking a low point in the last decade [1]. - Average return on equity was 1.14%, down 3.27 percentage points from the previous year [1]. Revenue Structure - Net interest income was 4.578 billion yuan, a decrease of 214 million yuan, or 4.87%, accounting for 64.19% of total revenue, down from 70.46% in 2023 [1]. - Non-interest income rose to 2.554 billion yuan, an increase of 545 million yuan, or 27.12%, making up 35.81% of total revenue, up from 29.54% in 2023 [1]. Credit Impairment Losses - The bank recorded credit impairment losses of 4.292 billion yuan, an increase of 44.64% year-on-year [3]. - Losses from loans and advances were 2.72 billion yuan, a decrease of 1.5%, while financial investment impairment losses surged to 1.343 billion yuan, an increase of 497.58% [3]. Asset and Liability Management - The bank's total assets exceeded 400 billion yuan, reaching 434.04 billion yuan, an increase of 11.61% year-on-year [3]. - Total loans amounted to 241.104 billion yuan, up 13.42%, while total liabilities reached 401.102 billion yuan, an increase of 12.47% [3]. - Total deposits were 290.241 billion yuan, reflecting a year-on-year growth of 16.30% [3]. Asset Quality - The non-performing loan ratio was 1.65%, a decrease of 0.08 percentage points from the previous year [3]. - The provision coverage ratio improved to 172.70%, an increase of 3.38 percentage points year-on-year [3]. Strategic Positioning - The bank aims to maintain its strategic positioning as a "technology-driven specialty industrial bank," focusing on quality, efficiency, and reasonable scale [4].