民营银行业绩分化：腰尾部机构承压，亿联银行多项指标垫底

Core Viewpoint - The year 2024 marks the tenth anniversary of private banks in China, revealing a stark performance disparity within the industry, with some banks thriving while others struggle significantly [1][7]. Asset Scale Disparity - The total asset scale of 19 private banks reached 21,459.3 billion yuan by the end of 2024, reflecting a growth of 9.49% compared to the end of 2023, with 16 banks showing positive growth [2][6]. - Leading banks include WeBank with total assets of 651.78 billion yuan and Ant Bank with 471.03 billion yuan, maintaining their positions as top-tier institutions [2][6]. - Yilian Bank experienced a significant contraction in total assets, decreasing from 51.775 billion yuan in 2023 to 40.822 billion yuan in 2024, a decline of 21.15% [2][3]. Revenue Performance - The total operating revenue of the 19 private banks was 93.423 billion yuan in 2024, a year-on-year increase of 1.88%, but with a notable divergence in performance [4][7]. - WeBank led the revenue with 38.128 billion yuan, followed by Ant Bank at 21.314 billion yuan, while other banks struggled to exceed 10 billion yuan in revenue [4][6]. - Blue Ocean Bank reported the largest revenue decline at 39.42%, with several other banks also experiencing significant drops [4][5]. Net Profit Disparity - The total net profit for the 19 private banks was 18.791 billion yuan, down 10.41% year-on-year, with Yilian Bank being the only bank to report a loss of 590 million yuan [6][7]. - WeBank accounted for 58.02% of the total net profit, highlighting the increasing disparity between top-performing and underperforming banks [6][7]. - The gap between the highest and lowest net profit banks widened from 245 times in 2023 to 1,112 times in 2024, indicating a growing performance divide [6][7]. Asset Quality - The overall asset quality of private banks remained stable, with most banks reporting non-performing loan (NPL) ratios below 2% [8][9]. - Yilian Bank had the highest NPL ratio, increasing from 1.61% in 2023 to 2.77% in 2024, indicating significant asset quality deterioration [9]. - Conversely, nine banks improved their NPL ratios, with Zhongbang Bank showing a notable decrease from 1.73% to 1.50% [9].