以下文章来源于时代财经APP ，作者张昕迎 聚焦于企业财经新闻，互联网新闻信息服务许可证编号：44120230006 五大行私行客户破百万。 文 ｜ 张昕迎 编辑 ｜ 张常旺 来源｜ 时代财经APP（ID：tf-app） 封面来源 ｜ Pexels 时代财经APP . 私人银行的"富人争夺战"再次上演。 近日有媒体报道称，兴业银行私人银行推出一项实习计划，该行可以为客户子女提供知名企业实习机会，其中不乏摩根大通、中 金资本、谷歌、微软等知名企业，报名条件是"非私行客户新增资金1000万元以上，存量私行客户新增资金500万元以上"，并且 要求实习期内资金不得转移。 对此，兴业银行回应称，该项目是兴业银行私人银行部面向高净值客户提供的增值服务，委托第三方机构执行。鉴于该项目引起 争议，经审慎评估，该行已暂停该项目。 近年来，国内高净值人群持续扩容，私人银行业务逐渐成为各大银行争夺的焦点。《2024胡润财富报告》数据显示，中国内地的 富裕家庭（资产600万元人民币以上）数量达414.2万户，当中拥有600万元人民币以上可投资资产的家庭为150万户。 "目前国内各大私行的入门级标准大多数都是600万元，主要是卷资产配 ...

Core Viewpoint - The era of easy profits in retail banking is over, as evidenced by the recent financial reports from listed banks for 2024, showing a decline in retail business performance across most institutions, with only China Merchants Bank reporting a slight increase in revenue [4][5]. Revenue and Profit Summary - China Merchants Bank reported retail revenue of 196.83 billion yuan, a year-on-year increase of 1.29%, while other banks experienced declines, with the largest drop being 45.04% for Bohai Bank [5][6]. - In terms of profit, all banks that disclosed data saw a decrease, with China Merchants Bank's profit declining by 9.28%, and Bohai Bank reporting a loss of 2.79 billion yuan [5][6]. Non-Performing Loan (NPL) Ratio Summary - The retail loan NPL ratio increased for most banks, with only Industrial Bank and Zhejiang Commercial Bank showing a decrease. Bohai Bank's NPL ratio surged to 4.15%, marking a significant increase of 1.9 percentage points [2][11]. - The rise in NPL ratios is attributed to external economic pressures, including declining household income and rising unemployment, impacting repayment capabilities [11][12]. Retail AUM Performance - China Merchants Bank led in retail Assets Under Management (AUM) with nearly 15 trillion yuan, significantly outpacing its competitors, and recorded an AUM growth rate of 12.05% [7][8]. - Other banks, such as CITIC Bank, also showed strong AUM growth, reaching 4.69 trillion yuan with a 10.62% increase [8]. Strategic Directions - Banks are shifting their retail strategies, focusing on deepening existing customer relationships rather than solely acquiring new clients. For instance, Industrial Bank emphasizes maximizing the value of existing customers, while others like Ping An Bank are undergoing a challenging retail transformation [15][16]. - The emphasis on wealth management and the transition from traditional deposit-taking to higher-value products is evident, with non-deposit AUM ratios being significantly higher in joint-stock banks compared to state-owned banks [9][10].