招商银行2024年零售不良率上升零售贷款风险仍在暴露

新华网财经2025-04-18

近期，银行业上市公司2024年财报陆续披露，位居股份制银行首位的招商银行业绩颇受关注。多家券商研报称，招商银行净利润、总资产在保持同比增长的同时，其营业收入小幅下降，资产质量整体稳健，但零售不良率呈现上升态势，显示零售贷款风险仍在暴露。数据显示，2024年招商银行净利润为1483.91亿元，同比增长1.22%；营业收入3374.88亿元，同比下降0.48%；总资产达到12.15万亿元，较上年末增长...

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China A-Share Opportunities A (acc) SGD"},"translate_title":"China Merchants Bank's retail NPL ratio will rise in 2024, and retail loan risks will still be exposed","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"600036":1,"03968":0.9},"content_text":"近期，银行业上市公司2024年财报陆续披露，位居股份制银行首位的招商银行业绩颇受关注。多家券商研报称，招商银行净利润、总资产在保持同比增长的同时，其营业收入小幅下降，资产质量整体稳健，但零售不良率呈现上升态势，显示零售贷款风险仍在暴露。数据显示，2024年招商银行净利润为1483.91亿元，同比增长1.22%；营业收入3374.88亿元，同比下降0.48%；总资产达到12.15万亿元，较上年末增长10.19%。招商银行坚持从严认定资产风险分类，真实反映资产质量。2024年不良贷款余额656.10亿元，较上年末增加40.31亿元；零售不良贷款余额351.35亿元，较上年末增加45.48亿元；零售不良贷款率0.96%，较上年末上升0.07个百分点。以上图表分别为按五级分类划分的贷款分布情况、按产品类型划分的贷款及不良贷款分布情况。来源于招商银行2024年度报告（A股）。资产质量是银行业稳健发展的基础。深入分析年报各项主要数据后，可以发现招商银行2024年整体不良率虽与上年末持平，处于银行业的较低值；但是不良贷款余额、零售不良率等数据却在悄然攀升。这在一定程度显示出招商银行在后续资产质量稳控中将面临挑战。以上图表为按地区划分的贷款及不良贷款分布情况。来源于招商银行2024年度报告（A股）。具体来看，从按地区划分的贷款及不良贷款分布情况，招商银行2023年东北地区的不良贷款率为1.10%，而到了2024年，这个比例上升至1.73%。另外，贷款和垫款金额合计占比四成的长三角、珠三角及海西地区的不良率均出现走高。招商银行在年报中表示，积极响应国家区域协调发展战略和产业集群发展趋势，密切关注市场变化，实施差异化的区域经营策略，推动长三角、珠三角、成渝和海西等区域的重点分行加快发展，进一步优化区域布局。一直以来，零售业务是招商银行的核心业务支柱，2024年零售贷款占总贷款比例52.91%。东兴证券发布研报称，招商银行在零售业务方面仍处在不良暴露阶段。就2024年报来看，母行口径零售贷款不良率0.98%，环比上升4个基点。从前瞻性指标来看，关注率、逾期率环比分别上升8个基点、3个基点至1.79%、1.74%。其中，经营贷和消费贷资产质量压力较大，小微贷款、消费贷款不良率分别为0.79%、1.04%，环比上升14个基点、5个基点。按揭贷款不良率环比也小幅上升2个基点至0.48%。东兴证券称，零售不良上行属于行业共性，主要由于近年居民就业收入压力加大、还款能力受损，以及房价下跌导致再融资能力下降。后续趋势有待观察房价止跌、居民资产负债表修复进程。展望未来，浙商证券研报表示，受债市调整、贷款重定价因素影响，预计招行营收仍有负增长压力。具体来看，主要关注债市调整导致的压力以及负债成本改善对资产收益下降的对冲能力。对于零售贷款风险暴露，招商银行行长兼首席执行官王良近期在业绩发布会上表示，未来随着居民收入和还款能力的好转，零售风险的拐点就会出现。对于防范零售信贷风险，招商银行主要采取了优化风险管理模型、优选客户群体、优化区域布局、通过缓释工具减轻风险压力等措施。来源：新华网","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"-1","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1,"need_auth":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"tenantId":"TBCN","deviceId":"web-server-community-laohu8-v3","version":"4.36.0","shortVersion":"4.36.0","platform":"web","vendor":"web","appName":"laohu8","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2528106606","isCrawlerRequest":true}

招商银行2024年零售不良率上升 零售贷款风险仍在暴露

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招商银行2024年零售不良率上升零售贷款风险仍在暴露