天津农商银行去年经营效益创新高

Core Insights - Tianjin Rural Commercial Bank reported total assets of 455.3 billion yuan, a year-on-year growth of 6.20% as of the end of 2024 [1] - The bank's net profit reached 2.946 billion yuan, with a growth rate of 5.98% [1] - The non-performing loan ratio improved to 1.5%, indicating enhanced asset quality [4] Financial Performance - Total liabilities amounted to 417.5 billion yuan, growing at 5.89% [1] - Operating income was 9.361 billion yuan, reflecting a growth of 3.34% [1] - The bank's net interest income accounted for 73.73% of total income, while non-interest income made up 26.27%, showing an improvement in income structure [5] Business Strategy - The bank adheres to a "six-pronged" operational philosophy focusing on differentiated operations, specialized services, and digital empowerment [1] - It aims to optimize its business structure by concentrating on inclusive finance, elderly finance, and green finance [2] Sector-Specific Initiatives - In technology finance, the bank established specialized branches and increased loans to tech enterprises by 24%, reaching 19.887 billion yuan [2] - Green loans surged by 57% to 19.212 billion yuan, significantly outpacing overall loan growth [2] - Inclusive finance initiatives led to a 9.11% increase in loans to small and micro enterprises, totaling 37.857 billion yuan [2] Risk Management and Compliance - The bank's non-performing asset ratio decreased to 1.79%, and the provision coverage ratio improved to 200.31% [4] - Core Tier 1 capital adequacy ratio stood at 11.74%, exceeding regulatory requirements by 4.24 percentage points [4] Future Outlook - The bank plans to focus on optimizing asset structure, enhancing retail capacity, and improving digital financial capabilities in 2025 [5]