在市场洗礼中不断积蓄穿越周期的力量 -- 兴业银行董事长吕家进 3月27日晚间，兴业银行发布2024年年报，在整个银行业受到"低利率、低息差"双重挑战的大背景下，交出了一份营收、净利双增长，总资产站稳10万亿台 阶的破局答卷，逆周期韧性凸显。 年报数据显示，2024年，兴业银行实现营业收入2122.26亿元，同比增长0.66%。归属于母公司股东的净利润772.05亿元，同比增长0.12%。其 中，利息净收入1481.07亿元，同比增长1.09%；非利息净收入641.19亿元，同比下降0.32%。兴业银行表示，利息净收入的同比增长"主要得益于 生息资产日均规模稳健增长和净息差降幅管理"；非利息净收入的同比下降则主要受保险"报行合一"等监管政策因素影响，手续费净收入下降。 非常值得一提的是，兴业银行的净息差维持在1.82%的较高水平，较去年四季度的行业平均水平高近20%。净息差1.8%曾被视为行业的警戒线，但 去年以来，银行业净息差持续下行，甚至屡屡跌破历史最低水平，成为了悬在行业头顶的"达摩克利斯之剑"。此时，兴业银行1.82%的净息差数据就 显得尤为亮眼，韧性之强超市场预期。 良好的息差表现得益于兴业银行稳健 ...

Core Viewpoint - China Merchants Bank (CMB) has returned to a market value of over 1 trillion yuan, with total assets exceeding 12 trillion yuan, and plans to distribute cash dividends exceeding 50 billion yuan, solidifying its position among the top 1000 global banks [1][3]. Financial Performance - In 2024, CMB achieved operating income of 337.49 billion yuan, a year-on-year decrease of 0.48%, while net profit attributable to shareholders was 148.39 billion yuan, a year-on-year increase of 1.22% [3]. - The bank's non-performing loan (NPL) ratio stood at 0.95%, unchanged from the previous year, with a provision coverage ratio of 411.98% and a loan provision ratio of 3.92% [3]. Leadership and Management - Wang Liang, who has been with CMB for nearly 30 years, has taken on the role of president and CEO, emphasizing strategic continuity and operational stability following the abrupt departure of the previous president [7][9]. - Wang's leadership style is characterized by a clear understanding of business operations and a commitment to maintaining the bank's strategic direction amidst challenges [5][19]. Strategic Direction - CMB has introduced a "Value Bank" strategy, focusing on creating multi-dimensional value for customers, employees, shareholders, partners, and society [11]. - The bank aims to promote balanced development across four major business segments, leveraging the potential of retail finance, corporate finance, investment banking, and wealth management [11][12]. Talent Development - CMB is committed to enhancing its talent pool, establishing a dual-channel career development system, and fostering a high-quality professional workforce [24]. - The bank's employee count reached 117,201 by the end of last year, with an average salary of 581,000 yuan, reflecting its competitive position in the industry [21][22]. Risk Management - CMB's provision coverage ratio of 411.98% indicates a proactive approach to risk management, with a focus on maintaining stability in profitability while preparing for potential economic challenges [17][18]. - Wang has emphasized the importance of balancing liquidity, safety, and profitability in asset-liability management to navigate the current low-interest-rate environment [16].