眾安銀行2024年財報出爐:逆勢增長顯韌性 劍指百萬用户新里程
2024年眾安銀行(ZA Bank)實現總收入5.48億港元,同比大幅增長52.6%,其中淨利息收入飆升86%至4.89億港元,淨息差擴大至2.41%,優於香港零售銀行平均水平1.52%,盈利能力顯著增強。客户存款激增66%至194億港元,貸款規模逆市增長5.7%,遠超市場整體收縮2.8%的頹勢,展現強勁抗週期能力。淨虧損同比收窄42%至2.32億港元,並於24年7月實現單月盈利的突破,標誌其業務模式可持續性獲驗證。
用户增長領跑行業
截至2024年底,眾安銀行零售用户突破80萬,覆蓋全港逾13%銀行客户,僅用5年達成傳統銀行百年積累的客羣規模。存款產品創新如「高息錢罐」「懶人錢罐」及「步步生息」走路賺息計劃推動客户粘性提升,超半數用户將其設為「轉數快」預設收款銀行。眾安銀行宣佈2025年目標直指百萬用户,強調「百萬客户」不僅是數字,更是驗證平台模式可持續性的里程碑。
戰略佈局再升級
2025年投資理財生態也將再拓展,構建覆蓋基金、美股、加密資產、港股的全品類投資平台,致力成為新港人、年輕羣體及理財需求迭代人羣的首選平台。
當前App已提供超170款基金產品,基金資產規模半年翻倍,美股交易結合「StockBack」回贈計劃成增長新引擎。同時,「Banking for Web3」戰略持續推進,眾安銀行也成為香港首家為穩定幣發行商提供儲備銀行服務的數字銀行,服務超100萬家小微企業及兩家持牌虛擬資產交易平台。
科技驅動與生態協同是核心優勢,以「Fin+Tech」雙輪驅動,2025年眾安銀行將聚焦規模效益釋放,重塑香港數字金融新格局。

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