QRCB(SZ:002958)2025-05-12 13:08Group 1: Loan Structure and Quality - The proportion of loans to the construction and real estate sectors has decreased compared to three years ago [2] - As of the end of 2024, the non-performing loan (NPL) ratio was 1.79%, a decrease of 0.02 percentage points from the beginning of the year, further reduced to 1.77% by the end of Q1 2025 [2][4] - The bank has implemented measures to optimize credit structure and enhance the quality of new loans, leading to a continuous improvement in asset quality [3][5] Group 2: Financial Performance and Strategy - In 2024, the bank achieved an operating income of 11.033 billion RMB, a year-on-year increase of 6.84%, and a net profit of 2.856 billion RMB, up 11.24% [5] - The bank plans to further optimize its asset-liability structure and enhance loan pricing management to improve profitability in 2025 [2][5] - The return on equity (ROE) for 2024 was 7.62%, an increase of 0.29 percentage points from 2023 [3] Group 3: Investor Relations and Shareholder Value - The bank is committed to enhancing investor relations and improving communication with shareholders to boost confidence and reflect the company's value [6][8] - A cash dividend of 1.20 RMB per 10 shares is proposed for 2024, which is higher than the previous year's distribution [7] - The bank emphasizes the importance of maintaining a balance between short-term and long-term shareholder interests [7]