Strategic Focus - 2025 marks the 15th anniversary of Suzhou Bank and the second year of its three-year strategic plan, emphasizing integration with regional economy and enhancing comprehensive operational capabilities [1] - The bank aims to strengthen risk management and improve customer experience through digital transformation [1][10] Regional Expansion - As of the end of 2024, Suzhou Bank has established 13 branches and 185 outlets in Jiangsu Province, achieving full coverage within the region [2] - The bank has also set up a representative office in Singapore, expanding its international presence [2] Support for SMEs - Suzhou Bank focuses on supporting small and medium-sized enterprises (SMEs) by innovating credit products and enhancing service models [3] - The bank plans to increase support for first-time loans and credit loans to improve financing accessibility for SMEs [3] Asset Management - The bank is prioritizing high-yield assets and optimizing its asset structure, with a focus on enhancing the management of low-yield assets [4][5] - As of the end of 2024, the bank's non-performing loan ratio stands at 0.83%, reflecting effective risk management [21] Digital Transformation - Suzhou Bank is committed to digitalization, aiming to enhance customer experience and operational efficiency through online processes and data management [10] - The bank plans to implement a unified data management system and explore the application of large models in various operational scenarios [10] Financial Performance - In 2024, Suzhou Bank achieved a net profit of 5.068 billion yuan, a year-on-year increase of 10.16% [12] - The bank's return on equity and capital adequacy ratios are in line with regulatory requirements, with a core tier one capital adequacy ratio of 9.77% as of the end of 2024 [21] Cross-Border Business - The bank has significantly expanded its cross-border services, with international settlement volume reaching 16.8 billion USD in 2024, doubling from the previous year [14] - The bank's cross-border RMB business also saw substantial growth, with transaction volume exceeding 19.2 billion yuan, a year-on-year increase of 209% [14] Shareholder Returns - The bank plans to distribute cash dividends totaling 1.647 billion yuan for the 2024 fiscal year, representing 34.07% of its net profit [18] - The bank has maintained a cash dividend payout ratio of over 30% in recent years, ensuring stable returns for shareholders [15]

Core Viewpoint - The president of Suzhou Bank, Wang Qiang, indicated that while there will be pressure on risk control for personal business loans in 2025, it will not lead to a significant impact on the bank's asset quality [1] Group 1: Economic Outlook - The global economy and industrial chain development will continue to face uncertainties in 2025 [1] - There is no clear improvement trend in the short-term economic environment [1] Group 2: Loan Quality and Risk Management - Small and micro enterprises will continue to experience operational pressures [1] - There will be certain pressures on the management of non-performing risks related to personal business loans [1] - The bank has established a risk control mechanism to address these challenges [1] Group 3: Risk Management Strategies - The bank will enhance risk management for personal business loans and consumer loans through digital risk control technology, daily risk monitoring, improved early warning systems, and strengthened post-loan management [1]

Core Viewpoint - Suzhou Bank successfully held the 2025 Wealth Festival and celebrated its 15th anniversary, emphasizing its mission of "serving the people" and the brand image of "heartfelt wealth management" [1][3] Group 1: Event Highlights - The event was attended by leaders from various financial institutions and over 300 representatives from business associations and VIP clients [1] - The bank's president and vice president participated in the event, showcasing the institution's commitment to local economic development [1][3] Group 2: Strategic Goals and Vision - The Suzhou Municipal Financial Office emphasized the importance of strengthening wealth management institutions and fostering collaboration among financial entities to enhance the competitiveness of China's financial system [3] - Suzhou Bank aims to continue its mission of safeguarding residents' wealth and providing high-quality wealth management services, aligning with its core values of stability, professionalism, and innovation [4][6] Group 3: Financial Performance and Growth - As of the end of Q1 2025, Suzhou Bank's total assets exceeded 720 billion yuan, a 15-fold increase since its establishment, with personal financial assets surpassing 383.6 billion yuan and personal wealth management scale nearing 120 billion yuan [5] - The Su Xin Fund, established one year ago, has a management scale of nearly 16 billion yuan and aims to be a protector of client interests and a pioneer in industry reforms [5] Group 4: Future Outlook - The bank plans to enhance its "Su Xin Wealth" brand and continue developing a comprehensive service system that caters to clients throughout their financial lifecycle [4][6] - The event featured a macroeconomic outlook presentation and discussions on future plans for the Su Xin Fund, reinforcing the bank's commitment to long-term client relationships and responsible financial management [5]

本行及董事会全体成员保证信息披露内容的真实、准确和完整，没有虚假记 载、误导性陈述或重大遗漏。 苏州银行股份有限公司（以下简称"本行"）已于 2025 年 4 月 29 日披露了 本行 2024 年年度报告，相关内容详见巨潮资讯网（http://www.cninfo.com.cn）。 为使广大投资者能够进一步了解本行 2024 年度的经营情况，本行定于 2025 年 5 月 19 日（星期一）15:00-16:30 在全景网举办 2024 年度业绩网上说明会（以下简 称"说明会"）。本次说明会将采用视频和网络互动方式，投资者可登陆"全景路 演"（http://rs.p5w.net/）参与。出席本次说明会的人员有：董事长崔庆军先生、行 长王强先生、副行长李伟先生、副行长贝灏明先生、副行长薛辉先生、董事会秘 书朱敏军先生、财务部门负责人徐峰先生、独立董事刘晓春先生。为充分尊重投 资者，提升交流的针对性，现就本次说明会提前向投资者公开征集问题，广泛听 取投资者的意见和建议。投资者可于 2025 年 5 月 16 日（星期五）12:00 前访问 https://ir.p5w.net/zj/，进入问题征集专题页面留言。 ...

近日，苏州银行披露2024年年报及2025年一季报。截至2024年末，该行资产总额6937.14亿元，较上年 末增长15.27%；各项存款4169.65亿元，较上年末增长14.61%；各项贷款3333.59亿元，较上年末增长 13.62%。进入2025年，该行依然保持良好发展态势。截至2025年3月末，该行资产总额突破7000亿元大 关，达到7271.54亿元，较年初增长4.82%；各项存款4630.14亿元，较年初增长11.04%；各项贷款 3628.90亿元，较年初增长8.86%。苏州银行坚定"以客户为中心"的一体化经营战略，聚力打造"科创+跨 境""民生+财富"双引擎，构筑起规模增长有质量、结构优化有韧性、创新突破有锐度的立体发展格局， 于新金融时代的浪潮中锚定高质量发展航向。 科创金融伴飞企业发展，打造新形势发展"助推器" 在当下经济发展格局中，科技创新与金融的深度融合，已成为推动区域经济高质量发展的关键力量，而 对于如何赋能"科创金融"，成为科创企业成长的坚实"伴飞者"？苏州银行给出了自己的发展答卷。苏州 银行秉持"稳健、精进、匠心、创新"的企业核心价值观，深度融入区域经济发展，在科创金融领域不断 ...

Investment Rating - The investment rating for Suzhou Bank is "Buy" and is maintained [9]. Core Views - Suzhou Bank's revenue growth for 2024 is projected at 3.0%, with a net profit growth of 10.2%. The fourth quarter saw a significant increase in investment income, contributing to revenue growth [2][6]. - For Q1 2025, revenue growth is expected to slow to 0.8%, with net profit growth at 6.8%. A 31% decline in investment income and fair value changes impacted revenue, while net interest income slightly decreased [2][6]. - The bank's asset quality remains strong, with a non-performing loan ratio stable at 0.83% at the end of 2024 and Q1 2025. The provision coverage ratio was 484% at the end of 2024 and 447% at the end of Q1 2025 [2][6]. - The dividend payout ratio for 2024 increased by 1.4 percentage points to 32.5%, positioning the bank among the top listed banks. A shareholder return plan was announced, committing to a cash dividend ratio of no less than 30% of distributable profits from 2025 to 2027 [2][6]. Summary by Sections Financial Performance - In 2024, the bank's total revenue growth was 3.0%, with a net profit growth of 10.2%. The fourth quarter saw a revenue growth of 9.6% [6]. - For Q1 2025, revenue growth was 0.8%, and net profit growth was 6.8%. The decline in investment income and fair value changes negatively affected revenue [6]. Asset Quality - The non-performing loan ratio remained stable at 0.83% at the end of 2024 and Q1 2025. The provision coverage ratio was 484% at the end of 2024 and decreased to 447% by Q1 2025 [2][6]. Dividend Policy - The dividend payout ratio for 2024 increased to 32.5%, and a commitment was made for a minimum cash dividend ratio of 30% from 2025 to 2027 [2][6]. Loan and Deposit Growth - In 2024, loan growth was 13.6%, with corporate loans increasing by 23.2%. Retail loans saw a contraction of 5.7% due to a reduction in personal operating loans [12]. - Deposit growth for 2024 was 14.6%, with personal deposits growing significantly by 20.4% [12].

【环球网财经综合报道】2025年4月28日晚，苏州银行正式发布2024年度业绩报告及2025年一季度报告，集团总资产突破7271亿元，各项存款4630.14亿 元，各项贷款3628.90亿元，穆迪评级跃升至投资级，全球银行排名攀升至第253位。这一成绩的背后，是苏州银行在"生态协同、创新驱动、专业服务"发 展下取得的实践成果，更彰显其服务国家战略、深耕区域经济的使命担当。 " 生态圈 " 专属方案：开放协同强化价值共创 当科创企业手握专利却难换贷款，急需资源却难寻系统服务时，金融机构如何助企破题？苏州银行近三年助推30余家企业成功上市的成绩单背后，暗藏着 一套科创金融的专属"解题方程式"。该行在"产品经理+风险经理+客户经理"的科创"铁三角"工作机制支撑下，以"生态联盟+数字平台+协同机制"三位一体 发展驱动，加强跨部门协同联动，形成覆盖客户全生命周期的服务闭环。通过整合政府、园区、创投、律所等资源，搭建"GOAI生态圈"，提供"股权+债 权""授信+非授信""金融+非金融""融资+融智"的系统集成一站式服务，创新"投贷联动"模式，以生态化打法持续扩展科创金融服务半径。 "融资成本高过利润"是当前小微企业的普 ...

苏州银行深融国家战略与区域发展脉络，将ESG理念全面融入公司治理，依托董事会下设的金融廉洁与 伦理委员会，构建覆盖全流程的可持续发展管理体系。通过"可持续发展议题重要性矩阵"，精准识别科 创金融、乡村振兴、绿色转型等核心议题，确保战略资源向关键领域集聚，实现企业发展与社会价值的 同频共振。 苏州银行以新三年战略规划为契机，聚焦"科创+跨境"构建发展引擎。针对科创企业轻资产、高成长的 特点，形成了"6大伴飞产品+1个苏心科创力模型+GOAI科创金融生态"的"6+1+O"科创金融服务范式， 精准破解科技型企业融资难题。2024年，服务科创企业客户超1.2万户，科创企业授信超1200亿元，科 创企业贷款增幅突破30%。持续完善"一卡一贷一平台"人才服务模式，支持各层次人才超2万人，为苏 州打造"创新高地"输送金融活水。跨境金融方面，上线了综合化外汇业务服务品牌"汇智赢"，全面优化 新模式，打造"1+2+3+N"供应链金融服务体系。截至2024年末，与270家核心企业建立合作关系，服务 上下游客户近2500家，供应链融资余额超113亿元。 服务实体经济是立行之本，围绕区域发展战略，苏州银行结合省、市、区县重点产业布局 ...

分红率提升 ——苏州银行 2024 年年报和 2025 年一季报点评 投资要点 苏州银行业绩维持正增，存贷增速放缓，息差降幅收窄，不良生成改善。 数据概览 25Q1 营收同比增长 0.8%，增速较 24A 放缓 2.3pc；归母净利润同比增长 6.8%， 增速较 24A 放缓 3.4pc。25Q1 末不良率较 24Q4 持平于 0.83%；25Q1 末拨备覆盖 率较 24Q4 末下降 36pc 至 447%。 业绩维持正增 苏州银行业绩基本符合预期，25Q1营收同比增长 0.8%，增速较 24A放缓 2.3pc； 归母净利润同比增长 6.8%，增速较 24A 放缓 3.4pc。苏州银行业绩放缓，主要受 其他非息收入波动影响，25Q1 其他非息收入同比负增 8%，增速较 24A 下降 60pc。值得注意的是，苏州银行核心营收有所改善，25Q1 利息净收入、中收分 别同比-0.6%、22.5%，增速分别较 24A 提升 6pc、37pc。 展望 2025 年，苏州银行营收有望维持正增，利润增有望实现中高个位数增长。 主要考虑：苏州银行信贷投放维持中高速增长，存款付息率改善有望带动息差降 幅收窄，同时苏州银行拨备底 ...

Investment Rating - The investment rating for Suzhou Bank is "Buy" (maintained) [1] Core Views - Suzhou Bank demonstrates significant advantages in corporate banking, with excellent asset quality. The bank's Q1 2025 revenue and net profit attributable to shareholders were 3.25 billion yuan (YoY +0.76%) and 1.55 billion yuan (YoY +6.80%), respectively, indicating stable profitability. The net interest margin for Q1 2025 was 1.34%, a decrease of 4 basis points from the previous year [4][5][6] Financial Performance Summary - For Q1 2025, Suzhou Bank's total assets reached 727.15 billion yuan, growing by 12.18% YoY, with loans increasing by 12.74%. Corporate loans maintained a high growth rate of over 20%, while retail loan demand was relatively weak. Non-interest income for Q1 2025 was 1.14 billion yuan, up 3.33% YoY, with net commission income rising by 22.48% and investment income increasing by 47.11% [5][6] - The bank's non-performing loan ratio remained stable at 0.83% as of Q1 2025, with a high provision coverage ratio of 447.20%. The capital adequacy ratios were also robust, with core, tier 1, and total capital adequacy ratios at 9.80%, 11.62%, and 14.54%, respectively [6][7] Earnings Forecast - The forecast for net profit attributable to shareholders for 2025-2027 is adjusted to 5.53 billion (previously 5.75 billion), 6.06 billion (previously 6.50 billion), and 6.47 billion yuan (previously 6.50 billion), reflecting YoY growth rates of 9.14%, 9.49%, and 6.90% respectively. The current stock price corresponds to a price-to-book ratio of 0.68, 0.63, and 0.61 for 2025-2027 [4][6][7]