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总裁的蜜糖宝贝:儿童适宜的动画和教育节目
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总裁的蜜糖宝贝:儿童适宜的动画和教育节目

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  蓝鲸新闻4月15日讯(记者金磊)随着上市银行年报陆续披露,银行理财子公司的年度业绩也浮出水面。截至发稿时,共有19家理财子公司业绩出炉。截至2024年末,这19家理财子产品规模合计为23.42万亿元,较上年末的20.46万亿元增长超14%。

  两头部规模负增速,“2万亿俱乐部”竞争白热化

  数据显示,目前产品规模超过2万亿元的理财子公司仍仅有招银理财和兴银理财,不过同比分别下降了3.14%、3.65%。

  同时,信银理财、农银理财、工银理财、中银理财产品规模正迎头赶上,离2万亿元大关仅一步之遥。截至2024年末,上述四家理财子产品规模分别为1.99万亿元、1.96958万亿元、1.96135万亿元和1.88万亿元。

  招银理财以2.47万亿元的理财产品规模坐稳第一把交椅,不过其管理的产品规模已出现三连跌,2022年至2024年增速分别为-3.96%、-4.49%、-3.14%。兴银理财紧随其后规模为2.18万亿元,信银理财位列第三。

  值得注意的是,去年国有大行旗下理财子均实现了理财产品规模的增长,甚至不少出现了两位数增长。中邮理财、交银理财、农银理财、工银理财、中银理财和建信理财分别为31.68%、31.39%、24.08%、22.01%、15.26%、6.73%。其中,交银理财、中邮理财的管理规模增长均超30%;工银理财、农银理财管理规模增长均超20%。

  此外,今年1月,第32家理财子公司浙银理财获批开业。该行在年报中披露,截至去年末,其理财产品余额1445.74亿元,其中个人、机构客户资金占比分别为92.92%、7.08%。

  净利润大多实现正增长,招银有下滑仍为第一

  净利润方面,2024年净利润增幅最大的是浦银理财,同比增长158.57%,净利润增至11.61亿元。其次是渝农商理财的净利润增长44.12%,净利润增至2.45亿元。农银理财、中邮理财、中银理财的净利润增速紧随其后,分别22.48%、22.47%、20.58%。

  而从绝对值来看,排名前三位的仍是股份行旗下理财子公司。具体来看,招银理财、兴银理财、信银理财去年净利润规模均超过20亿元,分别为27.39亿元、26.94亿元、24.92亿元。

  虽然招银理财27.39亿元的净利润位居第一,不过较其上年的大幅下滑14.14%。除此之外,净利润较上年末下降的还有民生理财、青银理财,除了这三家外,其余均实现了正增长。

  相较于股份行、城商行的两极分化,国有大行旗下理财子公司2024年净利润均实现正向增长,其中,中银理财、农银理财、中邮理财同比增速均超20%。建信理财、工银理财和交银理财分别实现15.26亿元、14.22亿元和13.39亿元的净利润,增幅在7.98%至15.34%之间。

  多家积极拓展代销业务

  银行业理财登记托管中心近期发布的《中国银行业理财市场年度报告(2024年)》显示,截至2024年末,中国银行理财市场存续规模达29.95万亿元,较年初增长11.75%。2024年,理财产品平均收益率为2.65%。

  从目前19家银行披露的年报看,理财子公司正在积极拓展行外代销业务,正成为业绩增长的另一个支撑。

  交通银行年报披露,交银理财积极拓展行外代销,初步建立起以母行为主体,开放、多元化的全渠道体系,报告期末,行外代销产品余额达9316.34亿元,占比达57.58%。

  平安理财表示,已与超50家银行达成合作,合作规模突破500亿元的银行达3家、突破百亿元的银行超10家。

  数据显示,民生理财2024年末行外代销规模比上年末增长137.02%,公司理财客户数比上年末增长28.48%。

  兴银理财则重点聚焦农村渠道布局扩面,将农村机构理财服务作为助力乡村振兴、践行普惠金融的主阵地,加强“兴普惠”定制产品上线发行,累计开拓中小银行代销合作机构超500家。

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