Bank Of Guiyang(SH:601997) Mei Ri Jing Ji Xin Wen·2025-04-28 12:50Core Viewpoint - Guiyang Bank's 2024 annual report highlights its commitment to high-quality development, risk management, and maintaining its position as the leading financial institution in Guizhou province, achieving balanced growth in scale, quality, and efficiency [1] Financial Performance - In 2024, Guiyang Bank reported operating income of 14.931 billion yuan and net profit attributable to shareholders of 5.164 billion yuan, with total assets reaching 705.669 billion yuan, an increase of 17.601 billion yuan from the beginning of the year [1] - The total loan amount was 339.142 billion yuan, and total deposits were 419.208 billion yuan, with year-on-year growth of 4.66% and 4.74% respectively [1] - The bank ranked 205th in the "2024 Global Bank 1000" by The Banker magazine and 37th in the China Banking Association's top 100 banks [1] Loan and Credit Strategy - Guiyang Bank's loan balance in the "Strong Provincial Capital" sector exceeded 164.021 billion yuan, an increase of 15.405 billion yuan from the beginning of the year, with resource endowment industry loans growing over 8% [2] - The bank focused on key industrial projects and supported the development of characteristic agriculture and tourism infrastructure, with loans in the "Four Transformations" sector reaching 160.848 billion yuan, an increase of 4.709 billion yuan [2] Asset Quality and Risk Management - The bank improved asset quality indicators, with a non-performing loan ratio of 1.58%, a decrease of 0.01 percentage points year-on-year, and a provision coverage ratio of 257.07%, an increase of 12.57 percentage points [3] - The bank's capital levels remained sufficient, with a loan-to-deposit ratio of 4.05%, up 0.15 percentage points year-on-year [3] Retail Banking Development - Guiyang Bank established a comprehensive product system covering savings, loans, credit cards, and wealth management, enhancing its retail banking position [4] - By the end of 2024, savings deposits reached 214.542 billion yuan, a year-on-year increase of 13.14%, with savings deposits accounting for 51.18% of total deposits, up 3.80 percentage points [4] Digital Transformation and Innovation - The bank invested in digital platforms and launched a new mobile banking app, enhancing its retail banking capabilities [5] - Total assets under management (AUM) for retail customers reached 271.961 billion yuan, a year-on-year increase of 10.28% [5] Support for Small and Micro Enterprises - Guiyang Bank increased support for small and micro enterprises, with small business loans (including personal operating loans) reaching 208.228 billion yuan, a year-on-year growth of 5.34% [7] - The bank launched various loan products to facilitate financing for small and micro enterprises, with the average interest rate for newly issued loans decreasing by 45 basis points compared to the previous year [7] Focus on Green and Technological Finance - The bank issued 8.451 billion yuan in green loans and successfully issued 3-year green financial bonds worth 3 billion yuan, with green loan balance reaching 33.095 billion yuan, an increase of 5.60% [6] - Guiyang Bank is committed to supporting technological innovation and has established a specialized team for technology finance [6]