2024年,光大银行收入减少超百亿元,已经连续三年下滑,主要是净利息收入加速下滑所致,而按业务分部来看,零售金融业务收入大幅下滑是根源。不过,公司归母净利润则实现增长,扭转了2023年收入下滑的困境,其中信用减值损失大幅锐减是关键,同时管理费用进一步下滑也起到了一定作用。不过,拨备覆盖率已经连续两年下滑。近年来,光大银行不良贷款稳增,而不良率则总体较为稳定,去年对公不良贷款增长较快,零售不良贷款...
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