农银惠农云

Search documents
金融服务“三农”提质增效
Jing Ji Ri Bao· 2025-04-13 21:44
近日,多家上市银行发布2024年度业绩报告,涉农金融供给持续增量扩面。在县域贷款、乡村产业链等 涉农金融细分方面,信贷供给高效触达各类经营主体。 加大涉农金融供给 金融是推动乡村振兴的重要驱动力。去年以来,大型银行牢牢抓住信贷赋能这个"牛鼻子",延伸普惠金 融服务,持续加大"三农"县域金融供给覆盖面。 6家国有大型银行业绩披露近期落下帷幕,金融服务乡村振兴可圈可点。截至2024年末,作为服务"三 农"的国家队和主力军,农业银行县域贷款余额9.85万亿元,占境内贷款比重超40%,增量突破万亿 元,增速12.3%。建设银行涉农贷款余额3.33万亿元,较2023年末增加2513.19亿元,增幅8.16%。邮储 银行涉农贷款余额2.29万亿元,较2023年末增加2545.72亿元,余额占客户贷款总额的比例超过25%,增 速高于全行各项贷款增速。 股份制银行和农商行强化信贷资金投入乡村振兴。截至2024年末,光大银行涉农贷款余额3183.6亿元, 比2024年年初增加201.48亿元,增长6.76%。截至2024年末,招商银行涉农贷款余额2410.41亿元,较 2024年年初增长19.85%。此外,多家银行积极支持乡村 ...
六个“首位”看农行:韧性与突围
21世纪经济报道· 2025-03-31 06:49
"农业银行找准'稳'的着力点和'进'的主攻方向,扎实做好服务实体经济和业务经营工作,主要经 营指标延续向好势头,在复杂多变市场环境中保持了较好的发展韧劲和成长性,高质量发展不断 开创新局面。"农业银行(以下简称"农行")董事长谷澍在最新年报致辞里,对该行2024年的业 绩表现作出如上评价。 在复杂多变的市场环境中,银行业竞争与挑战并存,每年的业绩发布都成为商业银行经营水 平的"试金石"。 当前,国有大行已披露2 0 2 4年经营业绩。数据显示,2 0 2 4年农行不仅经营向好的态势更加凸 显,而且在多个关键业务领域取得了亮眼成绩。2 0 2 4年农行资产规模一举突破4 3万亿元,且 与自身比,实现了营收、净利润、利息净收入三项"正增长";与同业比,实现了营收、净利 润、利息净收入增速四行居首。 仅就盈利增速来看,农行在2 0 2 4年上半年可比同业中率先由负转正,下半年更是延续向好态 势,逐季改善,成为可比同业中唯一一家连续11个季度在央行MPA评估中获评A档的银行。 这一成绩不仅彰显了农行的稳健经营,更凸显了其在行业内的领先地位。 尤为引人瞩目的是,农行在2 0 2 4年一举斩获六个极具含金量的"首位"成就 ...
当43万亿资产的农行仍在“双增”,支撑股价的底气是这些......
券商中国· 2025-03-29 05:12
Core Viewpoint - Agricultural Bank of China (ABC) reported a significant increase in both operating income and net profit for the year 2024, with a net profit growth rate of 4.8%, outperforming comparable peers in the industry [1][3]. Financial Performance - ABC achieved a net profit of 282.7 billion yuan, a year-on-year increase of 4.8%, and operating income of 711.4 billion yuan, up 2.3%. Net interest income reached 580.7 billion yuan, growing by 1.6% [3]. - The bank issued new loans totaling 2.29 trillion yuan, with a growth rate of 10.13%. Total assets surpassed 43 trillion yuan, reaching 43.2 trillion yuan, an increase of 8.4% from the previous year [3]. - Daily average deposits in domestic markets increased by 2.29 trillion yuan, with a deposit deviation rate reduced to 0.42%, both ranking first among peers [4]. Risk Management - The non-performing loan (NPL) ratio stood at 1.3%, down 3 basis points from the previous year, while the ratio of loans under special attention decreased by 2 basis points to 1.40%. The negative "scissors difference" between overdue and non-performing loans has been maintained for 18 consecutive months, indicating effective risk mitigation [4]. - The provision coverage ratio was 299.61%, demonstrating strong risk compensation capabilities. The bank issued a total of 320 billion yuan in capital bonds and TLAC bonds, with the capital adequacy ratio increasing by 1.05 percentage points to 18.19% [4]. Market Response - ABC's stock prices in both A-shares and H-shares increased by 55% and 58% respectively compared to the end of the previous year, leading the industry in market performance. The total dividend payout for 2024 is set to increase by 38.5 billion yuan compared to 2023 [5][6]. Strategic Focus - The bank's strategy emphasizes serving the national development agenda while achieving steady business growth. Key performance indicators include surpassing 5 trillion yuan in inclusive loans and 9 trillion yuan in personal loans, leading the industry [8][12]. - ABC's focus areas include enhancing financial services for agriculture, supporting the real economy, and maintaining consumer rights protection. The bank has established a comprehensive consumer protection system, achieving the lowest complaint rates among peers [9]. Innovation and Development - ABC has implemented innovative products and services to support rural financial services, with the "Huinong e-loan" product reaching a balance of 1.49 trillion yuan, growing by 37.7% [18]. - The bank is leveraging technology to enhance its service capabilities, with the deployment of DeepSeek models in various operational areas [10]. Future Outlook - The bank aims to maintain stable asset quality and a favorable non-performing loan ratio, with a focus on risk prevention and management. The bank's credit impairment losses for 2024 were 130.8 billion yuan, a slight decrease of 3.6% year-on-year [21]. - ABC plans to strengthen its risk management framework, particularly in key sectors such as real estate and local government debt, while continuing to support national strategic initiatives [22].