浙商银行今年以来股价涨12.93%，近5个交易日涨1.30%，近20日涨1.63%，近60日跌10.63%。 资料显示，浙商银行股份有限公司位于中国浙江省杭州市上城区民心路1号,香港中环康乐广场8号交易 广场3期15楼，成立日期1993年4月16日，上市日期2019年11月26日，公司主营业务涉及浙商银行股份有 限公司是一家总部设在浙江的股份制商业银行。该银行通过四个业务分部运营：公司银行业务分部涵盖 向企业客户、政府机构和金融机构提供金融产品和服务，这些产品和服务包括公司贷款和垫款、贸易融 资、存款产品及其他各类公司中间业务；零售银行业务分部涵盖向个人客户提供金融产品和服务，这些 产品和服务包括个人贷款和垫款、存款产品、银行卡业务和其他类型的个人中介服务；资金业务分部涵 盖货币市场交易、回购交易、债务工具投资、自营或代客经营金融衍生业务，以及其他业务分部。主营 业务收入构成为：公司银行业务56.89%，资金业务21.95%，零售银行业务15.46%，其他业务5.70%。 10月22日，浙商银行盘中上涨2.30%，截至14:15，报3.11元/股，成交8.44亿元，换手率1.27%，总市值 854.15亿元。 ...

Core Viewpoint - The performance reports of major rural commercial banks in China for 2024 show a mixed picture, with asset growth among the leading banks but declining revenues and profits for some, particularly Guangzhou Rural Commercial Bank [1][7][10]. Asset Scale and Growth - By the end of 2024, the total assets of the four major rural commercial banks (Chongqing, Shanghai, Guangzhou, and Beijing) ranged from 1.26 trillion to 1.51 trillion yuan [1][2]. - Chongqing Rural Commercial Bank has the largest asset scale, exceeding 1.5 trillion yuan, with a growth rate of 5.13% [3][4]. - Shanghai Rural Commercial Bank's assets grew by 6.87%, while Beijing Rural Commercial Bank had the lowest growth rate at 2.11% [3][4]. Revenue and Profit Performance - Chongqing Rural Commercial Bank reported a revenue of 282.62 billion yuan, with a slight increase of 1.09%, and a net profit of 115.13 billion yuan, up 5.60% [7]. - In contrast, Guangzhou Rural Commercial Bank experienced a decline in both revenue and net profit, with revenues down 12.79% to 158.32 billion yuan and net profit down 21.02% to 20.81 billion yuan [10][12]. - Beijing Rural Commercial Bank saw an 18.09% increase in revenue to 180.63 billion yuan, but its net profit growth was only 0.71% [7][10]. Asset Quality - Shanghai and Beijing Rural Commercial Banks maintained non-performing loan (NPL) ratios below 1%, while Guangzhou Rural Commercial Bank had the highest NPL ratio at 1.66% [12][14]. - The provision coverage ratio for Guangzhou Rural Commercial Bank was notably low at 184.34%, compared to over 300% for the other banks [12][14]. Loan Composition - Chongqing Rural Commercial Bank's total customer loans and advances reached 714.27 billion yuan, with a growth of 5.55% [3][4]. - The bank's corporate loans grew by 9.26%, while retail loans saw a modest increase of 0.55% [4]. - In contrast, Guangzhou Rural Commercial Bank's personal mortgage loans decreased by 3.05% to 886.98 billion yuan [4]. Strategic Focus - Shanghai Rural Commercial Bank is prioritizing retail finance as a strategic focus, aiming to enhance wealth management and personal credit services [5]. - Guangzhou Rural Commercial Bank has set a goal to improve its operational efficiency and profitability over the next two years [10].