双U型曲线

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主要经营指标延续“双U型曲线” 南京银行董事长谢宁:将规范有序推进2025年中期分红
Mei Ri Jing Ji Xin Wen· 2025-04-28 14:03
每经记者 李玉雯 每经编辑 马子卿 4月28日,南京银行(SH601009,股价10.51元,市值1164亿元)召开2024年度暨2025年一季度业绩说明会。 2024年是南京银行新一届领导班子履职的第一年,董事长谢宁在介绍过去一年来的经营业绩时表示,主要经营指标走出的"双U型曲线"得到了确定和延续, 即营收和净利润走出"正U型曲线"、成本和不良率走出"倒U型曲线",两条曲线在今年一季度得以进一步延展并巩固。 财报显示,南京银行去年营业收入和归母净利润分别突破500亿元和200亿元,同比增速分别为11.32%、9.05%,其中营收增速领跑万亿元规模上市银行。 2024年末,该行总资产跨过2.5万亿元关口,并在今年一季度末进一步攀升至2.76万亿元,不良贷款率0.83%,较2024年初下降0.07个百分点。 就投资者普遍关注的分红问题,谢宁回应称,南京银行2024年度拟派发现金股利超60亿元,占归属于普通股股东净利润的31.74%,股息率在5%以上。同 时,该行响应政策号召增加分红频次,将规范有序推进2025年中期分红。 业绩会上,管理层还就市场关注的稳定息差、资产质量、股东增持等多个热点问题予以回应。 在谈及 ...
南京银行董事长谢宁:向优向好的经营趋势始终没有变
Sou Hu Cai Jing· 2025-04-28 09:21
Core Viewpoint - Nanjing Bank has demonstrated a positive operational trend with key performance indicators showing a "double U-shaped curve," indicating sustained growth in revenue and net profit for 2024 and Q1 2025, outperforming market expectations [1][2]. Financial Performance - In 2024, Nanjing Bank's revenue and net profit increased by 11.32% and 9.05% year-on-year, respectively, with growth rates improving each quarter [2]. - For Q1 2025, revenue and net profit further increased by 6.53% and 7.06% year-on-year, showing an improvement of 3.7 percentage points and 1.92 percentage points compared to the same period last year [2]. - The cost-to-income ratio for the end of 2024 was 28.08%, a decrease of 2.39 percentage points year-on-year, while the non-performing loan ratio stood at 0.83%, down 7 basis points from the previous year [2]. - In Q1 2025, the cost-to-income ratio continued to decline by 4.28 percentage points, and the non-performing loan ratio remained stable at 0.83% [2]. Market and Shareholder Sentiment - Shareholders and market participants have positively evaluated Nanjing Bank's performance, with major shareholders increasing their holdings by over 7 billion yuan in 2024 [2]. - The bank's stock price growth ranked among the top in the listed banking sector, and it received the highest rating of A for compliance with the People's Bank of China policies [2]. Strategic Focus - In 2025, Nanjing Bank aims to adhere to a value creation philosophy and focus on serving the real economy, adapting to changes, and strengthening safety measures [3]. - The bank's new five-year strategic plan emphasizes the development of five key areas: technology innovation banking, investment banking, wealth management banking, transaction banking, and digital banking [3]. - The bank plans to enhance its organizational structure and optimize its business models to improve profitability and ensure balanced development across various business segments [3].
南京银行2024年营收净利再创新高 “双U型曲线”得到确定和延续
Zheng Quan Ri Bao Wang· 2025-04-28 06:50
Core Viewpoint - Nanjing Bank has demonstrated a positive operational trend in 2024, achieving record highs in revenue and net profit, with a continued focus on cost control and asset quality improvement [1][2]. Financial Performance - In 2024, Nanjing Bank's revenue exceeded 50 billion yuan, and net profit surpassed 20 billion yuan, marking year-on-year growth of 11.32% and 9.05% respectively, with both metrics showing a positive U-shaped curve [1]. - For Q1 2025, revenue and net profit grew by 6.53% and 7.06% year-on-year, with cost-to-income ratio decreasing by 4.28 percentage points [1][2]. Asset Quality and Cost Management - By the end of 2024, the cost-to-income ratio was 28.08%, down 2.39 percentage points year-on-year, while the non-performing loan (NPL) ratio was 0.83%, a decrease of 7 basis points from the previous year [1]. - In Q1 2025, the NPL ratio remained stable at 0.83%, indicating strong asset quality [1]. Strategic Focus and Future Outlook - Nanjing Bank aims to enhance its core competitiveness and improve financial resource efficiency while focusing on digital transformation and cost control [2]. - The bank's strategic plan for 2025 emphasizes value creation, service to the real economy, and adapting to changes in the financial landscape [2]. Operational Scale - As of the end of 2024, Nanjing Bank had 289 branches, achieving full coverage in Jiangsu province, with total assets of 27,652.38 billion yuan, total deposits of 16,572.41 billion yuan, and total loans of 13,461.20 billion yuan as of Q1 2025 [3]. - Nanjing Bank ranked 91st among the world's top 1000 banks and 21st in the "Top 100 Chinese Banks" list for 2024 [3].