| 城商行 | 营业收入(亿) | 同比(%) | 归母净利润(亿) | 同比(%) | | --- | --- | --- | --- | --- | | 江苏银行 | 808.2 | 8.8 | 318.4 | 10.8 | | 宁波银行 | 666.3 | 8.2 | 271.3 | 6.2 | | 下通银行 | 529.9 | 4.8 | 235.6 | 4.5 | | 南京银行 | 502.7 | 11.3 | 201.8 | 9.1 | | 杭州银行 | 383.8 | 9.6 | 169.8 | 18.1 | | 长沙银行 | 259.4 | 4.6 | 79.8 | 6.9 | | 成都银行 | 229.8 | 5.9 | 128.6 | 10.2 | | 重庆银行 | 136.8 | 3.5 | 51.2 | 3.8 | | 城商行 | 资产总计(亿) | 同比 | 不良率(%) | 同比(自分点) | 拔音漫盖率(% | 同比(百分点) | | --- | --- | --- | --- | --- | --- | --- | | 江苏银行 | 39518.1 | 16.1% | 0.89 ...

Core Viewpoint - Chongqing Bank's 2024 annual report reveals a significant decline in both non-interest income and commission income in the second half of the year compared to the first half, indicating challenges in its wealth management strategy and financial performance overall [1][2]. Financial Performance - In 2024, Chongqing Bank achieved total operating income of 13.679 billion yuan, with non-interest income at 3.503 billion yuan and net commission income at 888 million yuan [1]. - The first half of 2024 saw operating income of 7.158 billion yuan, with non-interest income of 1.934 billion yuan and net commission income of 511 million yuan, suggesting a second-half income of approximately 6.5 billion yuan [1]. - The second half of 2024 showed a notable decline in non-interest income to less than 1.6 billion yuan and net commission income to 377 million yuan compared to the first half [1]. Wealth Management Strategy - The annual report indicates that the growth in commission income is attributed to the bank's ongoing transformation in wealth management and increased sales of insurance and fund products [1]. - However, the significant drop in commission income in the second half suggests that the bank faced obstacles in executing its wealth management strategy effectively [1]. Real Estate Loan Performance - As of the end of 2024, the personal housing loan balance was 39.283 billion yuan, down from 40.322 billion yuan at the end of 2023, reflecting a consistent reduction in housing loan issuance over the years [2]. - The bank's personal housing loan balance has decreased from 42.843 billion yuan in 2021 to 39.283 billion yuan in 2024, indicating a trend of declining loan issuance [2]. Loan Quality Concerns - The non-performing loan balance for personal housing loans increased significantly from 309 million yuan at the end of 2023 to 584 million yuan at the end of 2024, raising the non-performing loan ratio from 1.86% to 2.34% [3]. - The bank's financial industry loan non-performing rates have remained high, with rates of 17.06% and 17.19% in 2022 and 2023, respectively, indicating potential issues in loan quality compared to peers [3].

截至目前，已有多家A股上市城商行披露了2024年度财报或业绩预告，南都·湾财社记者选取营收前8家 作为分析样本，透视城商行2024年经营成绩。8家城商行均位于长江经济带，分别位于上游成渝经济 区、中游城市群、下游长三角地区，地理位置贯穿我国东中西部。 2024年，8家城商行营收、归母净利润均实现正增长，江苏银行营收、归母净利润继续稳居第一，且分 别首次突破800亿、300亿；南京银行营收增速以11.3%位居第一，杭州银行归母净利润增速以18.1%领 跑，重庆银行营收、归母净利润增速双双垫底，均不足4%。 2024年末，8家城商行中7家总资产同比录得双位数增长，上海银行仅有4.6%，增速落后；8家城商行不 良贷款拨备覆盖率普遍保持在300%以上，但多家较上一年末下降。其中，上海银行、重庆银行拨备覆 盖率均不足300%，重庆银行拨备覆盖率最低，不良率最高。 营收、净利润增速均实现增长 重庆银行增速双双垫底 业绩驱动分化 2024年，8家城商行营收、归母净利润增速均实现正增长，营收平均增速为7.1%，归母净利润平均增速 为8.7%。 其中，江苏银行营收、归母净利润分别为808.2亿、318.4亿，双双稳居第一，且分 ...