Core Viewpoint - Jiangsu Bank's Xuzhou Branch is committed to the mission of "finance for the people," focusing on building a comprehensive, long-term personal financial service system through "full customer base, full product range, and full channels" Group 1: Customer-Centric Services - The bank emphasizes a customer-centric approach, creating a comprehensive financial service system tailored to different asset scales, risk preferences, and financial needs [3] - For payroll clients, the bank offers exclusive rights and product packages, providing low-risk investment options and one-stop personal credit services [3] - The bank has launched a unique pension account service that covers various products, with over 60,000 accounts opened [3] Group 2: Diverse Product Offerings - Jiangsu Bank has developed an open product shelf with nearly 10,000 products across deposits, wealth management, funds, insurance, and trusts, enhancing asset allocation efficiency [4] - The bank introduced the "Su Yin Jin Xuan" fund selection brand, which has outperformed market indices, further enriching its wealth management offerings [4] Group 3: Technology and Experience Enhancement - The bank is creating a "financial + scenario" smart ecosystem by integrating online and offline services, enhancing customer experience through various lifestyle scenarios [5] - The bank's mobile app has been upgraded to version 10.0, incorporating nine major scenarios to provide comprehensive financial and non-financial services [5] - The bank has launched community marketing initiatives, collaborating with local merchants to offer discounts and promotions, thereby creating a "financial + life" closed loop [5]

Core Viewpoint - Jiangsu Bank's Xuzhou branch is committed to high-quality financial services to support the modernization of Xuzhou, achieving a total financing balance of nearly 120 billion yuan as of the end of March, maintaining a leading position in the industry [1] Group 1: Service to the Real Economy - The bank integrates itself into local development, aiming to be a "good student" in policy execution, regulatory compliance, and market performance [2] - It has implemented a three-year action plan to support the high-quality development of the manufacturing industry, focusing on smart and digital transformation, with manufacturing loans ranking first in the city [2] - The "Suyin e-chain" financial service system addresses supply chain challenges, with a supply chain loan balance exceeding 2.5 billion yuan [2] - The bank has created the "Suyin Financial Steward" platform to provide integrated and intelligent services for enterprises, enhancing efficiency in financial and operational processes [2] Group 2: Green Finance Initiatives - Jiangsu Bank has optimized its "Suyin Green Finance" service model, achieving intelligent recognition of green business and automatic measurement of environmental benefits [4] - By the end of 2024, the bank's green investment and financing scale is expected to exceed 550 billion yuan, with green loans ranking among the top in 21 commercial banks directly managed by the central bank [4] - The bank has launched various green financing products, with green credit exceeding 20 billion yuan and a growth rate of 24.2% [4] Group 3: Support for Small and Micro Enterprises - Since launching its first online loan product for small and micro enterprises in 2015, the bank has continuously explored financing channels and introduced innovative products [5] - As of the end of March, the bank's inclusive finance loan balance reached nearly 10 billion yuan, earning recognition as an advanced unit in inclusive financial services [5] Group 4: Comprehensive Financial Services - The bank has developed a multifunctional mobile banking app to meet diverse financial and non-financial needs, with over 1.25 million users as of the end of March [8] - It has upgraded its pension financial services and created a dedicated product system for elderly clients, with over 60,000 personal pension accounts established [8] - The bank is actively promoting consumption through various loan products and initiatives, enhancing the quality of life for the public [8] Group 5: Digital Transformation - The bank leverages advanced technologies such as big data and artificial intelligence to innovate its product offerings, launching products like "Suyin e-chain" and "Sui e-loan" [9] - It supports nearly 1,000 technology innovation enterprises, with a technology loan balance of nearly 10 billion yuan [9] - The bank has introduced a "Talent Service Toolbox" to provide comprehensive support for talent development, optimizing services for technology enterprises throughout their lifecycle [9]

A股银行板块持续冲高，重庆银行涨超6%，青岛银行、渝农商行、江苏银行、工商银行、农业银行跟 涨。 ...

与自身相比，江苏银行 总资产增速创近五年新高 ，营业收入和归母净利润增速虽不是近五年最 高，但 依然处于 10% 左右高速增长 。 江苏银行是 2007 年 1 月份在江苏省内无锡、苏州、常州、南通、淮安、徐州、镇江、扬州、盐城 和连云港 10 市的城商行合并重组而成的城市商业银行（基本把除南京以外的城市商业银行进行了合 并，南京有自己的上市城商行——南京银行）。 2016 年 8 月 2 日在上交所上市（ 600919 ）， 2020 年 入选全国 9 家系统重要性银行之一。 江苏银行下辖 17 家分行 （江苏省内 13 个地级市均设有一级分行） 和 苏银金融租赁股份有限公司 、 苏银理财有限责任公司 、 苏银凯基消费金融有限公司、江苏丹阳苏银村镇银行有限责任公司 4 家子 公司 。江苏银行业务 实现江苏省内县域全覆盖， 并拓展到 长三角 （设有上海分行和杭州分行） 、珠 三角 （设有深圳分行）和 环渤海 （设有北京分行） 三大经济圈。 但江苏地区仍是其最大的经营地 区。 2024 年末江苏地区贷款余额占全部贷款余额的 86.13% 。 | 地区 | 2024年末 | | 2023年末 | | | --- ...

Group 1 - The core event is the collaboration between Jiangsu Bank and the Galaxy Left Bank Music Festival, scheduled for May 17-18, 2025, at the Jin Niu Lake Olympic Sailing Center in Nanjing, featuring numerous well-known bands and artists [1] - The music festival will offer an immersive experience combining music and finance, with interactive activities at Jiangsu Bank's booth, where attendees can participate to win customized merchandise and music festival souvenirs [1] - A financial service area will be set up at the event, providing various convenient services such as card processing and app activation, along with games and quizzes for attendees to win prizes [1] Group 2 - Jiangsu Bank is focused on creating a mobile banking experience that better understands customer needs, continuously optimizing its business model and upgrading its "finger-tip service" through digital transformation [2] - The Jiangsu Bank App has developed a thriving service ecosystem, allowing customers to enjoy convenient financial services, including ticket purchasing for the music festival through the app [2] - The integration of music and finance is expected to create a unique and engaging experience for attendees, highlighting the innovative services offered by Jiangsu Bank [3]

Core Insights - Jiangsu Bank has launched a new personal loan customer exclusive benefit program called "Beautiful Life Circle," focusing on cultural finance and enhancing customer experience in various lifestyle scenarios [1][2] - The bank aims to integrate resources from cultural tourism, sports, and arts to create a community-based ecosystem that promotes shared experiences and growth among customers [2] - Jiangsu Bank's subsidiary, Su Yin Wealth Management, plans to introduce high-quality financial products during the upcoming "518 Wealth Management Festival," targeting over 1.3 million customers with an expected investment return exceeding 17.2 billion yuan in 2024 [2] Group 1 - Jiangsu Bank's recent consumer loan customer lottery event has successfully engaged customers by offering tickets to popular stand-up comedy shows, reflecting the bank's commitment to enhancing customer satisfaction and lifestyle [1] - The bank's strategy includes organizing various exclusive activities such as music festivals, art exhibitions, and marathons, which will be communicated through its "Jiangsu Bank Personal Loan" WeChat account [2] - The bank has expanded its collaboration with major cultural institutions like the Nanjing Museum and Suzhou Silk Museum to enhance cultural financial value through co-branded digital debit cards [2] Group 2 - Jiangsu Bank has initiated a consumption boost action in line with national policies, providing convenient services for home decoration subsidies and electric bicycle trade-in programs, benefiting over 107,000 residents in Jiangsu Province [3] - The bank plans to continue developing new cultural consumption scenarios and enhance its "smart retail" capabilities to meet the complex financial, cultural, and emotional needs of customers [3] - The bank's efforts aim to stimulate cultural industry growth while promoting economic prosperity, aligning with the evolving trends in cultural consumption [3]

Core Insights - The Yangtze River Delta urban agglomeration is a crucial intersection of the "Belt and Road" initiative and the Yangtze River Economic Belt, comprising Shanghai, Jiangsu, Zhejiang, and Anhui provinces, with seven listed city commercial banks [1] - In 2024, the total asset scale of these seven banks reached 17.72 trillion yuan, with Jiangsu Bank, Shanghai Bank, and Ningbo Bank each exceeding 3 trillion yuan [1][3] - All seven banks reported positive growth in revenue and net profit, with asset quality remaining strong, as six banks maintained non-performing loan ratios below 1% [1][18] Asset Scale and Growth - Jiangsu Bank's total assets reached 39,520.42 billion yuan, a 16.12% increase from the previous year [3][5] - Shanghai Bank's total assets were 32,266.56 billion yuan, growing by 4.57% [3][5] - Ningbo Bank's total assets amounted to 31,252.32 billion yuan, with a growth rate of 15.25% [3][5] - Nanjing Bank, Hangzhou Bank, and Huishang Bank surpassed 20 trillion yuan in assets, while Suzhou Bank had the smallest asset scale at nearly 700 billion yuan [1][3] Revenue and Profitability - Jiangsu Bank led in revenue with 808.15 billion yuan, marking an 8.78% increase [10][12] - Ningbo Bank followed with 666.31 billion yuan in revenue, up 8.19% [10][12] - Nanjing Bank achieved a revenue growth rate of 11.32%, the only bank with double-digit growth [10][12] - Net profit for Jiangsu Bank exceeded 300 billion yuan, with a growth of 10.76% [13][12] Asset Quality - The non-performing loan ratio for Jiangsu Bank was 0.89%, while Ningbo and Hangzhou Banks had the lowest at 0.76% [18][19] - Shanghai Bank had the highest non-performing loan ratio at 1.18% [17][18] - The provision coverage ratios for most banks were robust, with Jiangsu, Nanjing, and Ningbo Banks exceeding 300% [20][18] Loan Distribution - Jiangsu Bank's loans in Jiangsu province accounted for 86.13% of its total loans, with significant portions also allocated to the Yangtze River Delta and Guangdong-Hong Kong-Macau Greater Bay Area [7] - Nanjing Bank's loans were primarily distributed in Jiangsu, with 84.92% of its loans in the province [7] - Huishang Bank's loans were predominantly in Anhui, making up 88.87% of its total [8]

Group 1 - Since April, 9 bank stocks have reached historical highs, indicating a sustained increase in industry interest [1][2] - In Q4 2024, bank performance has significantly improved, with many banks reporting positive results in Q1 of this year [1][5] - The total cash dividends for the banking sector are expected to reach a new high, with 12 bank stocks each exceeding 10 billion yuan in annual dividends [1][7] Group 2 - On April 24, the banking index closed up 1.16%, with major banks like Bank of China, Agricultural Bank of China, and Industrial and Commercial Bank of China hitting record highs [2] - The stock prices of major banks have steadily increased this year, with Shanghai Bank showing a year-to-date increase of 15.52% [2] - The banking sector is favored as a low-valuation, high-dividend defensive asset amid ongoing market fluctuations [3] Group 3 - Over 90% of the 36 bank stocks that have released their 2024 annual reports or performance forecasts reported year-on-year profit growth [5] - Shanghai Pudong Development Bank reported the highest year-on-year profit growth at 23.31%, driven by rapid credit growth and improved asset quality [5] - The total net profit of the disclosed bank stocks in Q4 2024 exceeded 480 billion yuan, marking a 5.66% increase from the previous year [5] Group 4 - Five bank stocks have released Q1 2025 performance reports, with several banks reporting year-on-year profit growth [6] - Major banks have indicated ongoing improvements in their asset-liability structures and operational efficiency [6] Group 5 - As of April 24, 29 bank stocks have announced dividend plans, with a total cash dividend amounting to 357.84 billion yuan [7] - The cumulative cash dividends for the banking sector in 2024 have reached 616.13 billion yuan, surpassing the previous year's total [8] - Industrial and Commercial Bank of China announced a cash dividend of 1.646 yuan per 10 shares, totaling 58.66 billion yuan, marking a continuous growth for nine years [8]

Group 1 - The banking sector has seen 9 stocks reach historical highs this month, including major state-owned banks like ICBC, ABC, and CCB, with significant year-to-date gains [2][4] - The banking sector index rose by 1.16% on April 24, outperforming the market, with notable increases in stock prices for major banks [2][3] - The overall performance of the banking sector improved significantly in Q4 of the previous year, with 33 out of 36 banks reporting year-on-year profit growth [4][5] Group 2 - The total cash dividends announced by banks for 2024 have reached a record high of 6,161.26 billion yuan, surpassing the previous year's total [6][7] - Major banks like ICBC, CCB, and ABC have declared dividends exceeding 500 billion yuan, contributing to the sector's reputation for high dividends [6][7] - Ningbo Bank reported the highest year-on-year increase in dividends at 50%, indicating a strong commitment to shareholder returns [7]

随着2024年报的持续披露，17家A股上市城商行中，已有14家成绩单"浮出水面"。 郑州银行营收同比降5.78%， 从资产质量情况看，截至去年末，10家银行不良贷款率有所下降，其他则与上年持平。其 中，郑州银行不良贷款率最高，为1.79%。此外，在拨备覆盖率上，北京银行和郑州银行位 居后两位，分别为208.75%、182.99%，虽已达标但仍存提升空间。 业绩快报整理 2024年，江苏银行营业收入继续位列上述14家银行榜首，实现营业收入808.15亿元；北京银 行、宁波银行排名次之，营收均超过600亿元；上海银行、南京银行位居第四位、第五位， 均超过500亿元。 同时，上述银行中仅厦门银行去年营收未及100亿元，为57.61亿元。不过，该行在2023年增 速为负，去年实现了正向增长。 而在14家上市城商行中，仅1家营业收入为负增长，即郑州银行，降幅为5.78%，同时，该 行营收座次亦降至第十一位。 年报显示，郑州银行去年实现利息净收入103.65亿元，较上年同比下降13.75亿元，降幅 11.71%，占营业收入80.49%。其中，业务规模调整导致利息净收入增加10.43亿元，收益率 或成本率变动导致利息净收入 ...