Financial Performance - Group revenue amounted to RMB 108.29 billion, with a net profit attributable to shareholders of RMB 31.07 billion, representing a year-on-year growth of 20.79%[16]. - The bank's net profit increased by 20.62% year-on-year to RMB 3.29 billion, while the net profit attributable to shareholders rose by 20.79% to RMB 3.11 billion[34]. - The net profit attributable to shareholders for 2021 was CNY 3,206,989, an increase of 20.78% compared to CNY 2,653,468 in 2020[35]. - The group achieved operating income of RMB 10.83 billion, an increase of RMB 465 million, with a growth rate of 4.49% year-on-year[65]. - The net profit for the period was RMB 3.29 billion, an increase of RMB 562 million, representing a growth of 20.62% compared to the previous year[65]. - The basic earnings per share were RMB 0.93, an increase of RMB 0.16, reflecting a growth of 20.78% compared to the previous year[65]. - The weighted average return on equity was 9.96%, an increase of 100 basis points year-on-year[65]. Asset and Liability Management - Total assets reached RMB 4530.29 billion, an increase of 16.74% compared to the beginning of the year[16]. - Total liabilities were RMB 418.740 billion, an increase of RMB 61.903 billion, or 17.35%[134]. - Customer deposits accounted for 66.47% of total liabilities, amounting to RMB 278.343 billion, an increase of RMB 28.234 billion, or 11.29%[135]. - The total equity of the bank reached RMB 34.29 billion, an increase of RMB 3.06 billion or 9.79% compared to the previous year[145]. Loan and Deposit Growth - Loan and deposit scales were RMB 2037.52 billion and RMB 2783.43 billion, with year-on-year growth of 12.55% and 11.29% respectively[16]. - The balance of loans to real enterprises grew by 19.04%, and inclusive small and micro loans increased by 23.71%, indicating a continuous optimization of the business structure[22]. - The total loan balance as of December 31, 2021, was CNY 213.28 billion, an increase of CNY 25.16 billion from the previous year[160]. - The personal deposit principal reached RMB 115.30 billion, up by RMB 15.72 billion or 15.79% year-on-year, driven by enhanced marketing efforts targeting retail customers[138]. Non-Performing Loans and Asset Quality - Non-performing loan ratio decreased to 1.11%, while the provision coverage ratio increased to 422.91%[16]. - The bank's non-performing loan ratio and balance both decreased, while the provision coverage ratio and provision-to-loan ratio both increased, indicating improved asset quality[25]. - The non-performing loan (NPL) ratio improved to 1.11%, down from 1.38% in 2020[46]. - The non-performing loan balance decreased to CNY 2.37 billion, with a non-performing loan ratio of 1.11%, down 0.27 percentage points year-on-year[160]. Capital and Funding - Issued RMB 50 billion in convertible bonds and received approval for RMB 60 billion in perpetual bonds to strengthen capital[17]. - The capital adequacy ratio stood at 13.06%, down from 14.21% in the previous year[46]. - The core tier 1 capital adequacy ratio was 10.37%, a decrease from 11.26% in the previous year[49]. Digital Transformation and Innovation - Supported over 6500 technology innovation enterprises with credit exceeding RMB 240 billion, enhancing digital transformation efforts[18]. - Financial technology investment exceeded 3% of operating income, leading the industry in technological advancement[18]. - Launched the "Su-Pay" mobile payment product for foreign nationals, marking a significant innovation in digital finance[18]. - The bank launched 25 digital transformation projects, focusing on account management, remote banking, data management, and intelligent risk control[24]. Social Responsibility and Community Engagement - Committed nearly RMB 20 million to charitable donations and sponsorships, integrating ESG responsibilities into social management[19]. - Issued over 2.1 million social security cards, achieving a market share of over 65% in Suzhou[19]. Financial Investments - Financial investments amounted to RMB 168.891 billion, up RMB 25.726 billion, or 17.97% from the previous year[117]. - Interest income from financial investments was 4.766 billion RMB, an increase of 656 million RMB, or 15.96%, due to the growth in investment scale[83].

Financial Performance - The total operating income for 2020 was RMB 10,363,937 thousand, representing a 9.97% increase compared to RMB 9,424,243 thousand in 2019[18]. - The net profit for 2020 reached RMB 2,725,376 thousand, which is a 4.40% increase from RMB 2,610,551 thousand in 2019[18]. - The profit attributable to shareholders of the parent company was RMB 2,571,927 thousand, up by 4.00% from RMB 2,473,006 thousand in the previous year[18]. - The operating profit for 2020 was RMB 3,326,497 thousand, showing a slight increase of 1.11% from RMB 3,289,856 thousand in 2019[18]. - The total profit for 2020 was RMB 3,307,573 thousand, reflecting a 0.68% increase compared to RMB 3,285,241 thousand in 2019[18]. - The net profit after deducting non-recurring gains and losses was RMB 2,540,835 thousand, which is a 3.70% increase from RMB 2,450,068 thousand in 2019[18]. - The company reported a net cash flow from operating activities of CNY 19,134,871, a significant recovery from a negative cash flow in the previous year[19]. - The group achieved a net profit of CNY 2.725 billion, an increase of CNY 115 million, with a growth rate of 4.40% year-on-year[66]. Assets and Liabilities - The total assets as of December 31, 2020, reached CNY 388,068,080, representing a 12.98% increase from the previous year[19]. - As of December 31, 2020, the total assets of Suzhou Bank reached RMB 388.054 billion, an increase of 12.98% compared to the beginning of the year[42]. - The total liabilities of the group amounted to 356.84 billion RMB, reflecting an increase of 13.46% or 42.32 billion RMB compared to the previous year[141]. - Customer deposits reached 250.11 billion RMB, accounting for 70.09% of total liabilities, with a growth of 12.60% or 27.99 billion RMB[142]. Loans and Advances - The total loans and advances increased by 16.55% to CNY 181,033,838 as of December 31, 2020[27]. - The total loans and advances amounted to CNY 181.034 billion, marking a year-on-year increase of 16.55%[42]. - The total loan balance was CNY 188.12 billion, an increase of CNY 27.70 billion from the previous year[167]. - The company’s total loans increased from RMB 160.42 billion in 2019 to RMB 188.12 billion in 2020, indicating a growth of approximately 17.3%[179]. Non-Performing Loans - The non-performing loan ratio improved to 1.38% in 2020, down from 1.53% in 2019[29]. - The non-performing loan (NPL) balance was CNY 2.59 billion, with an NPL ratio of 1.38%, a decrease of 0.15 percentage points year-on-year[168]. - The non-performing loan ratio was 1.38%, a decrease of 0.15 percentage points from the beginning of the year[44]. - The total amount of non-performing loans was RMB 2.59 billion, with the highest concentration in the manufacturing and wholesale/retail sectors[177]. Capital and Ratios - The capital adequacy ratio stood at 14.21%, slightly down from 14.36% in 2019[29]. - The bank's Tier 1 capital adequacy ratio was 11.30% as of December 31, 2020, slightly down from 11.34% at the end of 2019[32]. - The coverage ratio for provisions was 291.74%, an increase of 67.67 percentage points compared to the previous year[168]. Income and Expenses - Net interest income reached CNY 7,525.43 million, up CNY 1,101.24 million or 17.14% year-over-year[75]. - Non-interest income reached CNY 0.945 billion, an increase of CNY 0.231 billion, with a growth rate of 32.45% year-on-year[68]. - The income tax expense for the period was RMB 582.20 million, a decrease of RMB 92.49 million or 13.71% from the previous year[114]. - Business and management expenses rose to RMB 3.024 billion, an increase of RMB 92 million or 3.14% year-on-year, with employee expenses being the largest component[106]. Strategic Initiatives - The bank has initiated a three-year strategic plan focusing on digital transformation and optimizing its business structure[45]. - The bank is committed to supporting rural revitalization and agricultural modernization while implementing carbon neutrality and peak carbon goals[52]. - The bank plans to enhance its service to small and micro enterprises, focusing on improving the quality and efficiency of financial services[121]. Technology and Innovation - The bank's technology regulatory rating is at the highest level for city commercial banks, rated 2B, with annual technology investment not less than 3% of operating income[57]. - The bank's digital transformation efforts include the optimization of mobile banking 5.0 and a 91% coverage rate of smart teller outlets[57]. Recognition and Achievements - The bank received recognition as an advanced unit for small and micro financial services in Jiangsu Province and ranked first in the city's assessment of service to the real economy[56]. - The bank's cooperation rate with listed companies on the Sci-Tech Innovation Board reached 78%, and the cooperation rate with unicorn companies was 42%[50].

Financial Performance - The net profit attributable to shareholders of the parent company for 2019 was CNY 2,473,006,000, representing a year-on-year increase of 10.31%[18]. - The operating income for 2019 reached CNY 9,424,243,000, an increase of 21.80% compared to 2018[18]. - The basic earnings per share for 2019 was CNY 0.79, reflecting a growth of 5.33% from the previous year[18]. - The net profit for 2019 was RMB 3.29 billion, up from RMB 2.71 billion in 2018, representing a growth of 21.09%[153]. - Total profit for 2019 was RMB 3,285,241 thousand, reflecting an increase of RMB 571,651 thousand or 21.07% from the previous year[71]. - The net profit attributable to shareholders was RMB 2,473,006 thousand, up RMB 231,042 thousand or 10.31% compared to 2018[71]. Asset and Deposit Growth - The total assets of Suzhou Bank reached RMB 343.47 billion as of December 31, 2019, representing a 10.41% increase from RMB 311.09 billion in 2018[19]. - The total deposits increased by 15.28% to RMB 222.11 billion in 2019 compared to RMB 192.68 billion in 2018[26]. - The total deposits amounted to CNY 216.594 billion, reflecting a growth of 12.41% year-on-year[64]. - The bank's personal deposit balance grew to RMB 86.94 billion, an increase of RMB 14.40 billion or 19.85% year-on-year[140]. Loan Performance - The bank's loan and advance to customers increased by 13.19% to RMB 155.33 billion in 2019 from RMB 137.23 billion in 2018[26]. - The total loan balance was CNY 160.418 billion, which represents a year-on-year increase of 13.51%[64]. - Corporate loans reached CNY 103.99 billion, up CNY 7.21 billion, or 7.45%, representing 64.83% of total loans and advances[117]. - Personal loans totaled CNY 56.42 billion, increasing by CNY 11.88 billion, or 26.66%, with personal housing loans growing by 45.22%[118]. Risk Management and Asset Quality - The non-performing loan ratio improved to 1.53% in 2019 from 1.68% in 2018, remaining below the regulatory limit of 5%[28]. - The bank's non-performing loan balance reached RMB 2.448 billion, an increase of RMB 672 million compared to the end of the previous year, with a non-performing loan ratio of 1.53%, down 0.15 percentage points year-on-year[160]. - The provision coverage ratio improved to 224.07%, an increase of 49.73 percentage points from the end of the previous year, while the loan-to-deposit ratio rose to 3.42%, up 0.48 percentage points[160]. - The bank's risk management framework has been enhanced, leading to improved overall loan quality and risk mitigation capabilities[160]. Income and Expenses - The bank's total operating expenses rose to RMB 6,134,387 thousand, an increase of RMB 1,068,937 thousand or 21.10% from 2018[69]. - The bank's employee expenses amounted to RMB 1.739 billion, reflecting an increase of RMB 177.72 million or 11.38% year-on-year[102]. - Interest expenses decreased to CNY 8.223 billion, a decline of CNY 0.027 billion or 0.32%, attributed to a decrease in overall funding costs[88]. - The net income from fees and commissions reached CNY 1.073 billion, up 17.30% year-on-year[65]. Strategic Initiatives and Future Plans - The company plans to distribute a cash dividend of CNY 2 per 10 shares, subject to approval at the annual general meeting[5]. - The company’s future plans include market expansion and potential new product development, although specific details were not disclosed in the report[6]. - The establishment of the Singapore representative office in July 2019 aims to enhance overseas customer development and support local enterprises in their internationalization efforts[54]. - The bank has initiated the second phase of the "Xiao Su Cloud" project and the 5.0 version of mobile banking, enhancing its technological infrastructure[52]. Capital and Equity - The total equity attributable to shareholders of the parent company increased to RMB 27.80 billion in 2019, compared to RMB 23.56 billion in 2018, marking a growth of 18.88%[148]. - The company successfully raised CNY 2.570 billion through an A-share issuance in Q3 2019, aimed at enhancing core tier one capital[65]. - The company confirmed that all raised funds were utilized as committed, with no idle funds reported[190]. Digital Transformation and Innovation - The bank's digital risk control has been advanced, with automated approvals for internet finance, small micro-businesses, and credit cards implemented[52]. - The bank's comprehensive financial service platform has been recognized as a national model, with projects like "Su Food Benefit" being successfully implemented in multiple locations[52]. - The establishment of a big data management department aims to enhance data asset management and benchmarking[53].