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[industry insiders analyzed that the relatively high net interest margin of private banks is closely related to their business positioning. the core customer groups of most private banks are small and micro long-tail customers. these customers are relatively high-risk, so private banks naturally have to bear greater capital risk costs. at the same time, the customer acquisition costs of private banks are higher than those of large and medium-sized banks, and they also need to use higher net interest margins to make up for it.]

[mybank achieved operating income of 10.076 billion yuan in the first half of the year, which is more than 3 billion yuan more than the combined operating income of the other seven banks, which was 7.018 billion yuan.]

the first decline in net profit of the leading private banks, the gap between the top and the bottom is still widening, and non-performing assets have risen sharply. this is the first batch of semi-annual reports submitted by private banks in their tenth year of development. the reporter of china business news found that 8 of the 19 private banks disclosed their semi-annual financial situation in 2024, namely zhejiang mybank, sichuan xinwang bank, chongqing fumin bank, beijing zhongguancun bank, jilin yilian bank, wenzhou minshang bank, meizhou keshang bank and fujian huatong bank. among them, only 1 saw a decline in operating income, and 4 saw a decline in net profit. among them, mybank's revenue increased but not profit, and its profit declined for the first time in recent years. yilian bank lagged behind, with both revenue and profit declining. overall, the gap between the top and bottom institutions of private banks has gradually widened. while maintaining a certain net interest margin advantage, they are also under downward pressure on interest margins. in addition, asset quality has declined significantly. industry insiders pointed out that in the face of multiple challenges such as changes in the macro environment and downward interest rate spreads, private banks need to adhere to a differentiated and characteristic development path, stand out with digital operations, grasp long-tail customers, and focus on differentiated segments.

the gap between the top and the bottom continues to widen