深读｜“学费不能白交！”兴业银行董事长业绩表态关键词

Core Viewpoint - The recent financial risks have provided clearer insights into risk management, prompting the bank to reassess its risk management philosophy and mechanisms, emphasizing the importance of learning from past experiences [1][2][3] Financial Performance - In the 2023 financial report, the bank reported a revenue of 212.23 billion yuan, a year-on-year increase of 0.66%, and a net profit of 77.21 billion yuan, up 0.12% [3][4] - The net interest margin and net interest spread decreased by 0.10 and 0.11 percentage points to 1.56% and 1.82%, respectively [3] - The non-performing loan (NPL) ratio remained stable at 1.07%, while the provision coverage ratio decreased by 7.43 percentage points to 237.78% [4] Risk Management - The bank's risk management strategy includes strengthening compliance and internal control, optimizing the risk management system, and enhancing proactive risk prevention measures [3][9] - The bank has established agile teams to address risks in key areas such as real estate and local government financing, aiming to improve decision-making efficiency and asset quality [9][19] - The bank's loan impairment losses increased significantly, with a total of 61.18 billion yuan in 2023, reflecting a proactive approach to identifying potential risks [6][19] Loan Quality - The overall NPL ratio has decreased from 1.25% in 2020 to 1.07% in 2024, although the balance of special mention loans increased to 98.11 billion yuan, indicating some pressure in key sectors [8][10] - The bank's credit card NPL ratio has shown a downward trend, decreasing from 4.01% in 2022 to 3.64% in 2024 [9][10] Strategic Focus for 2025 - The bank aims to maintain a "steady progress" approach, focusing on expanding low-cost deposits and enhancing its fee-based income [15][16] - Digital transformation is a priority, with plans to leverage technology to improve operational efficiency and customer experience [18][19] - The bank is committed to long-termism and aims to navigate through economic cycles by enhancing its risk management and operational frameworks [20]