青海银行高规格“取经”交流！投资逆势承压、三大经营短板待强化

Core Viewpoint - The meeting between Zheshang Bank and Qinghai Bank highlights a focus on business innovation, technology support, and strategic investment to address challenges and seek growth opportunities in the banking sector [1][11]. Group 1: Company Overview - Qinghai Bank, established in December 1997 and renamed in November 2008, is the only city commercial bank in Qinghai Province and the first local corporate shareholding commercial bank [4]. - As of the end of 2024, Qinghai Bank reported total assets of 117.89 billion, a year-on-year increase of 1.78%, with operating income of 1.33 billion, reflecting a growth rate of 19.40%, and a net profit attributable to shareholders of 224 million, up by 6.57% [4]. Group 2: Financial Performance - The bank's operating income has seen significant fluctuations, dropping from 2.695 billion in 2021 to 1.331 billion in 2024, while net profit fell from 535 million to 224 million in the same period [7]. - Investment income, which once exceeded half of operating income, has declined sharply, with total investment income of 438 million and 415 million in 2023 and 2024, respectively, down from 1.591 billion in 2021 [8]. Group 3: Challenges and Strategic Focus - Qinghai Bank faces challenges such as a low net interest margin of 1.09%, a high non-performing loan ratio of 2.65%, and a cost-to-income ratio that remains elevated [9][12]. - The bank aims to enhance its operational efficiency by focusing on differentiated and specialized services, including inclusive finance, green finance, and technology finance, as part of its strategic transformation [9][11].