2022 年华润银行引入南方电网资本控股和深圳中电投资两家央企背景的战略投资者后，公司注册 资本由 60.43 亿元扩大至 85.33 亿元。 自 2011 年走出珠海设立省内异地分行至今，华润银行已经在广东省内包括珠海及下面的横琴、深 圳、广州、佛山、东莞、中山、惠州、江门和肇庆等 9 个地市设有分行。可见 其经营地域基本就位于 广东最富饶的珠江三角洲 。 此外，华润银行还在广东肇庆德庆县和广西百色右江区各有 1 家村镇银行子公司。 截至 2024 年末，华润银行共有 139 个股东，其中自然人股东 127 个，法人股东中则有 华润集团、 南方电网和中国电子 等 3 家大央企，还有珠海和深圳当地国企及知名医药企业。华润集团更是其控股 股东，华润银行股东阵营堪称豪华。 一、繁华经营地段，豪华股东阵营 珠海华润银行前身是 1996 年在珠海市 11 家城市信用合作社基础上改制成立的 珠海市商业银行 。 2010 年，央企华润集团下属华润股份有限公司和珠海市政府对珠海市商业银行进行战略重组后， 华润集团成为大股东 ，并于 2011 年改名为珠海华润银行。 截至 2024 年末华润银行前十大股东如下： | 序号 | ...

在42家A股上市银行中，4家营收双位数增长，2家净息差超2%，2家ROE超15%，18家非息收入占比超30%，7家拨备覆盖率超400%。 随着年报季结束，A股42家上市银行2024年经营业绩尽显眼底。 据Wind数据统计，42家A股上市银行2024年合计实现营业收入56511.98亿元，较2023年的56467.22亿元几乎持平。其中，有10家银行的营收出现负增长， 32家实现正增长。 同时，42家上市银行2024年合计实现归母净利润21440.7亿元，较2023年增加492.03亿元，同比增长2.35%，平均日赚58.74亿元。其中，有38家实现正增 长，仅有4家负增长。 在42家上市银行中，归母净利润在100亿元以上的有24家。其中，有4家的银行归母净利润实现双位数增长，有2家银行的加权ROE在15%以上。 从资产质量来看，整体42家上市银行的不良贷款率在2%以下。其中，有16家银行的不良贷款率在1%以下。而在拨备覆盖率方面，有18家银行在300%以 上，其中，有7家超过400%。 截至2024年末，42家上市银行资产规模合计302.13万亿，较上年增长7.5%；存款总额为201.02万亿，较上年增长5. ...

Financial Data and Key Metrics Changes - The company reported a 15% increase in net income and a 14% increase in earnings per share for FY 2024 [20] - Revenue remained relatively flat, with expenses increasing by about 2%, leading to a 3% decline in adjusted pre-provision net revenue [20] - Return on assets improved from 77 basis points in the prior year to 88 basis points in FY 2024 [20] - The efficiency ratio increased due to flat revenue and higher expenses, while charge-offs and credit quality remained strong at 10 basis points, significantly better than the industry average [21] Business Line Data and Key Metrics Changes - The bank's deposit franchise showed strong performance, with average non-interest bearing deposits as a percentage of total deposits higher than the top quartile in the industry [21] - Credit quality remained robust, with net loan losses staying very low, better than the top quartile [22] - The commercial real estate portfolio grew at a disciplined rate, with loss rates close to zero over the past five years [24] Market Data and Key Metrics Changes - The bank's capital position is about the median of its peer group, expected to strengthen as depreciation in the securities portfolio accretes back into capital over time [26] - The bank has consistently ranked among the best in customer relationships, receiving numerous awards since 2009 [27] Company Strategy and Development Direction - The company focuses on serving local communities and maintaining strong credit quality, with a particular emphasis on middle-market businesses [19] - The management is closely monitoring the economic environment, especially regarding tariffs and potential recession impacts, while aiming to support customers through challenging times [28] Management Comments on Operating Environment and Future Outlook - Management expressed optimism about the year ahead despite concerns regarding the economy and potential impacts from tariffs [28] - The company aims to maintain its strong credit culture to weather any economic challenges that may arise [23] Other Important Information - The bank's performance in FY 2024 reflected a recovery from the previous year's challenges, including the impact of bank failures on funding costs and net interest margins [20] - The bank's management structure is locally oriented, enhancing its ability to serve community needs effectively [19] Q&A Session Summary Question: What is the outlook for the commercial real estate portfolio? - Management noted that while there are concerns in the commercial real estate sector, particularly in office and multifamily segments, they do not anticipate material losses from their portfolio, which has been managed conservatively [24] Question: How does the bank plan to address potential economic downturns? - The bank intends to stay close to its customers and provide support during challenging times, leveraging its strong credit culture to navigate uncertainties [28] Question: What are the results of the recent shareholder votes? - All director nominees received over 97% approval, the appointment of Ernst and Young as auditors was approved by approximately 98%, and the executive compensation resolution received about 95% approval [30][31]