然而，作为扎根粤港澳大湾区的头部农商行，广州农商银行却凭借其独特的经营策略和韧性，交出了一 份"稳中有进"的答卷：营业收入降幅显著收窄、资产质量指标创五年最优、资本实力持续夯实、中小额 资产增长提速。 此外，广州农商银行这份"一降两升"的成绩单，也为中小银行应对行业周期波动提供了可借鉴样本。 一份"一降两升"的成绩单 银行作为典型的顺周期行业，其经营状况与宏观经济走势紧密相连。经济上行时信贷需求旺盛、资产质 量提升，经济下行时则面临息差收窄、风险暴露加剧的困境。 2024年，全球地缘政治冲突频发，国内经济增速放缓，利率下行趋势明显。在此背景下，银行业面临净 息差压缩、资产质量承压、盈利增速放缓等多重挑战。 然而，在行业整体承压的态势下，广州农商银行的经营业绩却呈现出一些积极变化，实现了不良贷款 率、拨备覆盖率、资本充足率的"一降两升"。 从营业收入角度来看，广州农商银行在2024年营业收入降幅收窄。由2023年下降19.47%减少为2024年 下降12.79%，降幅共收窄6.68个百分点，下滑势头得到遏制。 从资产质量角度来看，广州农商银行在2024年取得了显著改善。不良贷款率较上年末下降0.21%，降至 1 ...

Core Viewpoint - Guangzhou Rural Commercial Bank reported a decline in both revenue and net profit for the year 2024, indicating ongoing challenges in its financial performance while focusing on the development of small and medium-sized enterprises (SMEs) as a key growth area [1][2][4]. Financial Performance - In 2024, the bank achieved an operating income of 15.832 billion yuan, a year-on-year decrease of 12.79% [1] - The net profit for the year was 2.416 billion yuan, down 25.89% compared to the previous year [1] - Net interest margin stood at 1.06%, with a non-performing loan ratio of 1.66% [1] Asset Quality and Management - The total assets of the bank reached 1.3624 trillion yuan by the end of 2024, an increase of 48.365 billion yuan, or 3.68% from the beginning of the year [1][3] - The non-performing loan ratio decreased to 1.66%, the lowest level in nearly five years, down 0.21 percentage points from the previous year [3] - The provision coverage ratio improved to 184.34%, up 19.71 percentage points year-on-year, while the capital adequacy ratio rose to 14.52%, an increase of 0.85 percentage points [3] SME Business Development - The bank initiated the "Three Hundred Billion Project" in 2023, aiming to achieve a scale of 100 billion yuan each in SME loans, inclusive finance for small and micro enterprises, and retail loans within 2 to 3 years [1][4] - In 2024, the bank disbursed over 100 billion yuan in SME loans, marking a nearly 50% increase year-on-year [1][5] - Retail loan balance reached 86 billion yuan, with a year-on-year increase of 16.8% [5] Strategic Initiatives - The bank's board approved a plan to issue financial bonds up to 40 billion yuan, with an annual issuance limit of 15 billion yuan, to optimize asset-liability matching and support long-term asset business [1] - The bank has been conducting a series of thematic years since 2021, with 2025 designated as the "Asset Efficiency Year," focusing on improving asset quality and profitability [5]