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一年一度备受关注的招商银行年报又出炉了。

3月25日,招商银行(600036)发布2024年年报。

报告显示,公司2024年营业收入为3374.88亿元,同比下降0.48%;归母净利润为1483.91亿元,同比增长1.22%。

这已是招商银行连续第二年营业收入下滑。

此外,其他财务指标中:实现净利息收入2112.77亿元,同比下降1.58%;实现非利息净收入1262.11亿元,同比增长1.41%;归属于该行股东的平均总资产收益率(ROAA)和归属于本行普通股股东的平均净资产收益率(ROAE)分别为1.28%和14.49%,同比分别下降0.11和1.73个百分点。

总体可以感受到,其压力仍在。

招商银行一直被市场称为“零售之王”。“零售”一直是其拳头业务。

2024年关于它的零售业务如何?我们从年报中围观了几组数据。

财富管理手续费及佣金收入220.05亿元,同比下降22.70%。其中,代销理财收入78.56亿元,同比增长44.84%,主要是代销规模增长及产品结构优化双重因素拉动;代理保险收入64.25亿元,同比下降52.71%,主要是受银保渠道降费影响;代理基金收入41.65亿元,同比下降19.58%,主要是受基金降费和权益类基金保有规模下降影响;代理信托计划收入21.25亿元,同比下降33.72%,主要是代理信托规模下降;代理证券交易收入11.08亿元,同比增长51.57%,主要受香港资本市场客户证券交易需求提升影响。

资产管理手续费及佣金收入107.51亿元,同比下降6.30%,主要是子公司招银理财和招商基金管理费收入减少。

托管业务佣金收入48.91亿元,同比下降8.20%,主要是受公募基金托管费率下降影响。

银行卡手续费收入167.61亿元,同比下降14.16%,主要是信用卡线下交易手续费收入下降。

结算与清算手续费收入155.05亿元,同比增长0.08%。

总体看,2024年招商银行零售金融业务税前利润为906.44亿元,同比下降9.28%,占本该公司税前利润的50.74%,同比下降5.83个百分点;营业收入为1968.35亿元,同比增长1.29%,占该公司营业收入的58.32%,同比上升1.01个百分点。报告期内,招商银行零售金融业务成本收入比为32.52%,同比上升0.56个百分点。

全年,招商银行总资产在增加,但是资产质量仍有挑战。

截至2024年末,招商银行总资产突破12万亿元,较上年末增长10.19%。其不良贷款余额656.10亿元,较上年末增加40.31亿元;不良贷款率0.95%,与上年末持平;拨备覆盖率411.98%,较上年末下降25.72个百分点;贷款拨备率3.92%,较上年末下降0.22个百分点。

一直以来,招商银行都是股份制银行的“标杆”。不过,连续两年的年报披露情况,可以看到其在努力降本增效,但是受当前市场影响,仍未在自己擅长的“零售”板块找到新的路径。

(完)

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