在近日召开的2024年度业绩说明会上，浙商银行（601916）(SH601916，股价2.88元，总市值791亿元) 党委书记、董事长陆建强用一组数据来呈现其掌舵3年来的经营成效：总资产站稳3.3万亿元新台阶，近 3年营收复合增长率达到7.5%，高于上市股份制银行同业约10个百分点，其中非息收入占比提升至 33.25%，有效缓解了净息差下降带来的冲击。 他同时说道，"3年来，我们持续加大风险化解力度。"浙商银行稍早前披露的2024年年报显示，2024年 末，该行不良贷款率为1.38%，已连续3年下降。 《每日经济新闻》记者注意到，在业绩说明会前夕，陈海强被提名为浙商银行行长。在此次业绩说明会 上，陈海强以党委副书记、执行董事的身份参加。他在阐述该行智慧经营理念时表示，"浙商银行再也 不一味追求规模情结，再也不走'垒大户'的老路，再也不关注'挣快钱'，这些都是浙商银行追求长期价 值的选择和方向。" 去年营收同比增6.19% 2024年，浙商银行实现营业收入676.50亿元，较上年增长6.19%，增速居于股份行前列；归属于股东的 净利润151.86亿元，较上年增长0.92%，该行2024年度分红比例保持30%以上 ...

Core Viewpoint - Zhejiang Commercial Bank emphasizes the importance of enhancing non-interest income and improving revenue structure in the face of external challenges and declining net interest margins [1] Group 1: Business Strategy - The bank's management highlights the need for strong competitive capabilities supported by robust investment research to navigate the current market landscape [1] - Zhejiang Commercial Bank is focusing on digital investment research to enhance its revenue sustainability through the "Middle Income Expansion" initiative [1] Group 2: Financial Performance Outlook - The bank aims to maintain good revenue performance by optimizing its asset-liability structure and strengthening investment research efforts in response to challenges such as declining net interest margins and increased market uncertainty [1] - Specific actions include solidifying low-sensitivity assets on the asset side and optimizing the liability structure to reduce high-cost liabilities while increasing low-cost deposits [1] Group 3: Asset Quality Management - The bank plans to intensify efforts to manage risks by actively disposing of non-performing assets and establishing an industry research institute to enhance policy foresight [1] - As of the end of 2024, the non-performing loan ratio for real estate is reported at 1.55%, a decrease of 0.93 percentage points from the beginning of the year, reflecting proactive risk management [2]