民营银行年考：「分化」成关键词，三分之二机构净利下滑

Group 1: Core Insights - The report highlights the significant disparity in asset sizes among 19 private banks, with WeBank and MYbank leading at 651.78 billion and 471.04 billion respectively [1] - In terms of growth, 16 banks saw an increase in asset size, with WeBank and Yumin Bank showing the fastest growth rates of 21.70% and 21.40% respectively [1][6] - The financial performance of these banks exhibited a divergence, with six banks achieving "double growth" in both revenue and net profit, while others like Sanxiang Bank and Blue Ocean Bank experienced declines [3] Group 2: Financial Performance - WeBank and MYbank led in revenue with 38.13 billion and 21.31 billion respectively, while the majority of other banks reported revenues below 10 billion [3][5] - Net profit for WeBank was 10.90 billion, showing a slight increase of 0.81%, while Yilian Bank recorded a loss of 0.59 billion, marking a decline of over 500% [3][5] - The report indicates that Yilian Bank had the highest non-performing loan ratio at 2.77%, while Keshang Bank had the lowest at 0.97% [2][5] Group 3: Asset Quality - The non-performing loan ratios for several banks were noted, with MYbank and Yumin Bank also exceeding 2% [2][5] - The provision coverage ratio for Keshang Bank was notably high at 422.70%, followed by WeBank at 302.90%, while several banks had coverage ratios below 200% [2][5]