报告：2024年度中国上市银行净利润同比增长2.42%

Group 1 - The core viewpoint of the report indicates that in 2024, China's listed banks are expected to achieve operating income of RMB 5.87 trillion, a year-on-year growth of 0.06%, and a total net profit of RMB 2.22 trillion, reflecting a year-on-year increase of 2.42% [1] - The report analyzes the performance, asset quality, business development, and operational models of 58 listed banks in China for the year 2024, highlighting a continued focus on risk prevention and management [1] - Due to factors such as declining market interest rates and adjustments in mortgage loan rates, the net interest margin for listed banks is projected to narrow further, with an average net interest margin of 1.52% [1] Group 2 - The report on the 42 A-share listed banks indicates that by the end of Q1 2025, total assets grew by 3.94% compared to the end of 2024, with a weighted average non-performing loan ratio of 1.23%, down by 0.01 percentage points [2] - Looking ahead to 2025, it is anticipated that the Chinese economy will continue to recover, providing more opportunities for listed banks, which need to align with policy directions and accelerate transformation to seek new business development breakthroughs [2] - The emphasis is on maintaining strategic focus and embracing industry changes to carve out a path for high-quality development that aligns with the banks' unique circumstances [2]