桂林银行2024年报：业绩增速保持韧性 “五篇大文章”信贷投入近千亿

Core Viewpoint - Guilin Bank demonstrates resilience in performance growth despite a complex macroeconomic environment, achieving a revenue of 10.938 billion yuan and a net profit of 2.280 billion yuan in 2024, reflecting year-on-year growth of 5.56% and 10.21% respectively [1] Financial Performance - The bank's total assets reached 541.53 billion yuan by the end of 2024, marking a 7.08% increase from the previous year [1] - Total loans amounted to 331.16 billion yuan, with a year-to-date growth of 12.60%, including corporate loans of 257.55 billion yuan (up 17.62%) and personal loans of 73.61 billion yuan [1] - Key regulatory indicators include a capital adequacy ratio of 11.67%, a provision coverage ratio of 131.94%, a liquidity ratio of 75.45%, and a non-performing loan ratio of 1.68%, all meeting regulatory requirements [1] Financial "Five Articles" - Guilin Bank has implemented a series of actions to align with the central financial work conference's directives, focusing on the financial "Five Articles" with a total loan balance of 117.68 billion yuan in this area, and a cumulative investment of 99.53 billion yuan in 2024 [2] - In the technology finance sector, the bank's loans to tech enterprises reached 30.11 billion yuan, a 32.72% increase, supporting 953 high-tech companies [2] - The green loan balance stood at 41.61 billion yuan, growing by 20.08%, with the establishment of 49 green finance specialized institutions [2] Inclusive Finance - The bank provided 26.91 billion yuan through the "Guihui Loan" program and utilized 15.8 billion yuan in re-lending funds, effectively reducing financing costs for related enterprises by over 200 million yuan [3] - By the end of 2024, the balance of private loans was 165.90 billion yuan, and inclusive small and micro loans reached 42.63 billion yuan, reflecting year-on-year growth of 5.55% and 13.07% respectively [3] Rural Finance - Guilin Bank has focused on rural finance, with county loans totaling 109.80 billion yuan and agricultural loans at 83.38 billion yuan, a 12.66% increase [5] - The bank has established 600 service demonstration points for rural revitalization, covering one-third of the agricultural industrialization leading enterprises in Guangxi [5] Community Finance - The bank has set up 683 community and small micro branches in Guangxi, ranking first among city commercial banks in China [6] - Over the past decade, the bank has deepened its community finance services, integrating them into local governance and providing both financial and non-financial services to residents and small enterprises [6]