格隆汇3月31日|申万宏源研究指出,光大银行(601818.SH)24年实现归母净利润417亿元,同比增长2.2%。4Q24不良率季度环比持平于1.25%,拨备覆盖率季度环比提升10pct 至181%。与债市投资相关的非息收入高增带动营收降幅收窄,叠加拨备继续反哺,业绩边际提速。2024年分红率提升至30.3%(2023:28.4%),高股息属性进一步突出。短期结构优化仍是主线,信贷增速低位平稳,...
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