截至2025年4月30日，19家民营银行2024年的财报已经全部出炉。 「一只互金鹅」整理这19家银行比较核心的数据——营业收入、净利润以及总资产规模，试图从这些数据中窥探民营银行2024年的业绩表现，以及江湖排 名。 | | | | 民营银行业绩(单位:亿元) | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | | 序号 | 银行 | 资产规模 | | 营收 | | 净利润 | | | | | 2024年 | 2023年 | 2024年 | 2023年 | 2024年 | 2023年 | | 1 | 微众 | 6517.76 | 5355.79 | 381.28 | 393.61 | 109.03 | 108.15 | | 2 | 网盘 | 4710.35 | 4521.3 | 213.14 | 187.43 | 31.66 | 42.03 | | 3 | が商 | 1372 | 1163.56 | 50.01 | 45.65 | 11.59 | 10.55 | | 4 | 父那 | 1235.31 | 1144.84 | 18.12 | ...

资料图。 在宏观经济复苏承压、净息差持续收窄的背景下， 2024 年民营银行呈现 "冰火两重天"格局：头部 互联网银行凭借科技能力与客群优势逆势增长，持续领跑 ， 而中尾部中小银行则面临盈利收缩与 资产质量的双重考验。 " 头雁 " 领飞小微赛道 4 月 30 日披露 2024 年报的 微众银行年报显示 ， 2024 年 微众 总资产规模达 6517 亿元，营业收 入 381.28 亿元，净利润 109.03 亿元 。 网商银行数据显示 ，截至 2024年末，网商银行资产总额为4710.35亿元，较年初增长4.2%；营业 收入213.14亿元，同比增长13.7%， 净利润 31.66亿元。 除微众、网商资产规模超过 4500亿 元 之外，其他 民营银行资产规模 均低于 1500亿 元 。 | | | 2024年民营银行营收排行 | | | | --- | --- | --- | --- | --- | | 梯队 | 民营银行 | 资产总额(亿元) | 营业收入 (亿元) | 净利润(亿元) | | 第一梯队 | 微众银行 | 6517.76 | 381.28 | 109.03 | | | 网商银行 | 471 ...

4月30日，网商银行发布2024年年报，全年实现稳健经营：资产总额4710.35亿元，较年初增长4.2%；营 业收入213.14亿元，同比增长13.7%，净利润31.66亿元；综合金融服务累计覆盖超6800万小微；客户资 产管理规模突破1万亿元。 随着小微经营者的理财、支付、结算等需求不断提升，2024年网商银行大力发展交易银行业务，实现小 微金融服务"两条腿走路"。 年报显示，针对小微流动资金增值的需求，网商银行上线"布谷鸟"智能普惠理财系统，通过AI大模型精 准预测小微资金流与风险偏好，并联合23家银行理财子公司为小微推出余利宝、稳利宝、月利宝等专属 理财产品。 截至去年底，"布谷鸟"系统已累计服务超800万用户，银行理财子公司依据对申赎资金的预测，提升了 10%的资金利用效率，从而为小微经营者带来更好的理财体验。 年报显示，网商银行代销第三方银行理财产品规模位居行业第二。以银行理财专卖平台"稳利宝"为例， 截至一季度底，已有超343万用户，每3个新用户中就有2人投资了2笔以上。 此外，网商银行还通过一系列创新产品满足客户资金管理需求。 针对多平台、多店铺经营的电商商家，网商银行上线"电商通"，提供一站式 ...

Core Viewpoint - The company achieved significant growth in revenue and net profit in Q1 2025, driven by a recovery in the domestic capital market and effective marketing strategies [1][2]. Financial Performance - Total revenue in Q1 2025 increased by 85% year-on-year to 542 million yuan, while net profit attributable to shareholders surged by 726% to 139 million yuan [1]. - The company's financial information service revenue grew by 76% year-on-year to 424 million yuan, primarily due to concentrated marketing of high-end products [2]. - The net income from brokerage and proprietary trading activities rose significantly, with net commission income increasing by 143% to 97 million yuan and investment income soaring by 259% to 106 million yuan [2]. Cost Structure - Operating costs rose by 45% year-on-year to 42 million yuan, driven by increases in employee compensation and communication expenses [3]. - Research and development expenses increased by 49% to 51 million yuan, with the R&D expense ratio decreasing by 2 percentage points to 9% [3]. - Sales expenses grew by 80% to 260 million yuan, while the sales expense ratio decreased by 1 percentage point to 48% [3]. Strategic Developments - The company is transitioning from a software provider to a comprehensive financial services provider, exploring intelligent stock selection tools and enhancing its investment strategy recommendations [3]. - The "one body, two wings" strategy has been deepened with the acquisition of a 95% stake in Pioneer Fund [3]. - The company’s major shareholder provided loans to support business expansion and enhance liquidity, with commitments to increase returns through dividends and buybacks over the next three years [3]. Profit Forecast and Investment Rating - Based on Q1 2025 performance, profit forecasts for 2025-2027 have been revised upward, with expected net profits of 306 million, 414 million, and 539 million yuan respectively [4]. - The company’s rating has been upgraded to "Buy," reflecting confidence in its long-term growth potential [4].

Core Viewpoint - Jiangsu Bank's Xuzhou Branch is committed to the mission of "finance for the people," focusing on building a comprehensive, long-term personal financial service system through "full customer base, full product range, and full channels" Group 1: Customer-Centric Services - The bank emphasizes a customer-centric approach, creating a comprehensive financial service system tailored to different asset scales, risk preferences, and financial needs [3] - For payroll clients, the bank offers exclusive rights and product packages, providing low-risk investment options and one-stop personal credit services [3] - The bank has launched a unique pension account service that covers various products, with over 60,000 accounts opened [3] Group 2: Diverse Product Offerings - Jiangsu Bank has developed an open product shelf with nearly 10,000 products across deposits, wealth management, funds, insurance, and trusts, enhancing asset allocation efficiency [4] - The bank introduced the "Su Yin Jin Xuan" fund selection brand, which has outperformed market indices, further enriching its wealth management offerings [4] Group 3: Technology and Experience Enhancement - The bank is creating a "financial + scenario" smart ecosystem by integrating online and offline services, enhancing customer experience through various lifestyle scenarios [5] - The bank's mobile app has been upgraded to version 10.0, incorporating nine major scenarios to provide comprehensive financial and non-financial services [5] - The bank has launched community marketing initiatives, collaborating with local merchants to offer discounts and promotions, thereby creating a "financial + life" closed loop [5]

浙商银行上海分行始终坚持"两个毫不动摇""三个没有变"，坚定不移落实政府、监管和总行出台的各项 民营经济支持政策，加快推进以客户为中心的综合协同改革，高质量做好民营企业金融服务。 （一）提高政治站位，坚定不移支持民营经济，坚决避免所有制歧视 1.主动降低民营企业客户融资成本。针对普惠小微客户实行差异化综合定价策略，通过贷款利率优惠、 贷款贴息、综合定价等多种工具，扩大减费让利客户覆盖面，主动下调普惠小微企业贷款利率，进一步 降低客户综合融资成本。 2.推进无缝续贷增量扩面，应续尽续、应转尽转。贯彻落实国家金融监督管理总局上海监管局"零门槛 申请、零费用办理、零周期续贷"的工作要求，扩大小微企业无缝续贷的覆盖面，进一步提高普惠小微 企业无缝续贷占比。 3.积极推进民营企业减费让利工作。进一步减轻民营企业客户负担，积极落实小微企业和个体工商户支 付手续费优惠减免措施，包括单位结算账户管理费、转账汇款手续费、电子银行服务费、支票手续费 等，对民营小微企业客户一律由银行承担抵押登记费、抵押品评估费、保险费和公证费。 （二）加强协同联动，以综合金融服务为载体，形成民营企业服务合力 浙商银行上海分行进一步加快以客户为中心 ...

转自：新华财经 4月11日，中信企业家办公室青岛区域中心成立仪式在青岛举行，为赋能青岛地区实体经济、服务先进 制造业出海、助力青岛地区民营企业高质量发展，带来先行先试的"中信方案"。 政企协同共建赋能实体经济新平台 本次活动由青岛市民营经济发展局与中信银行青岛分行联合主办，中信证券、中信建投证券、中信保诚 人寿、中信期货协办。青岛市民营经济发展局领导、中信集团旗下青岛区域的协同单位以及青岛地区企 业家代表共计120人出席活动。 青岛市民营经济发展局党组书记杨超在致辞中指出，当前青岛将培优育强作为推动民营经济发展的首要 任务，建立优质中小企业"种子库"，聚焦制造业实体经济振兴发展，精耕细作"专精特新"梯度培育赛 道，梯次企业持续扩容提质。市民营经济局始终秉持"服务冲在前"的工作理念，愿同中信银行一起深化 协作，在政策精准滴灌、资源高效配置、营商环境优化等领域持续加力，为企业插上资本之翼，助力每 一位奋斗者在高质量发展的航程中破浪前行。 中信银行青岛分行党委书记、行长王通向大家介绍了中信银行和青岛分行的发展历程和核心业务，并阐 述中信"金融全牌照"优势。强调中信银行作为中信企业家办公室的重要成员，联动集团各子公司 ...