【金融机构财报解读】桂林银行：经营指标稳步增长，深耕乡村金融赋能地方发展

Core Viewpoint - Guilin Bank demonstrates strong resilience and steady growth in various operational indicators despite a complex macroeconomic environment, with a focus on rural finance and community banking to drive its development [1][2]. Group 1: Operational Performance - As of the end of 2024, Guilin Bank's total assets reached 576.447 billion yuan, a 6.23% increase from the beginning of the year; total deposits were 391.778 billion yuan, up 3.47%; total loans amounted to 360.280 billion yuan, reflecting a 10.93% growth; annual operating income was 12.054 billion yuan, a 4.88% year-on-year increase; and net profit was 2.320 billion yuan, up 5.80% year-on-year [2]. - In Q1 2025, Guilin Bank's total assets grew to 584.780 billion yuan, a 1.45% increase; total deposits reached 409.832 billion yuan, up 4.61%; total loans were 369.003 billion yuan, a 2.42% increase; operating income was 3.154 billion yuan, and net profit was 1.032 billion yuan, reflecting a 1.52% year-on-year growth [2]. Group 2: Rankings and Recognition - Guilin Bank's rankings have improved, placing 295th in the "2024 Global Bank 1000" by The Banker magazine based on core tier 1 capital; 250th in the "2024 China Service Industry Enterprises 500"; and 22nd in the "2024 Guangxi Top 100 Enterprises" [3]. Group 3: Rural Finance Development - Guilin Bank continues to deepen its rural finance efforts, enhancing its rural financial moat through refined management and optimizing asset sinking mechanisms tailored to local conditions. As of the end of 2024, the bank's county loan balance was 109.799 billion yuan, with agricultural loans at 83.379 billion yuan, a 12.66% year-on-year increase [4]. - The bank has established 600 rural revitalization demonstration points, covering one-third of Guangxi's agricultural industrialization leading enterprises [4]. Group 4: Community Financial Services - Guilin Bank is upgrading its community financial services, providing professional and convenient "financial + non-financial" services to residents and small enterprises. By the end of 2024, the bank had set up 683 community/small micro branches, ranking first among urban commercial banks in China [5]. Group 5: Financial Support for Local Economy - As the largest urban commercial bank in Guangxi, Guilin Bank focuses on financial support for key strategies and sectors, with loans in the "five major financial articles" reaching 117.677 billion yuan by the end of 2024, and a total of 99.529 billion yuan disbursed throughout the year [6]. Group 6: Technology and Green Finance - In the technology finance sector, Guilin Bank's loans to tech enterprises reached 30.113 billion yuan, a 32.72% year-on-year increase, supporting 953 high-tech enterprises [7]. - The bank has established 49 green finance specialized institutions, with green loan balances of 41.608 billion yuan, reflecting a 20.08% year-on-year growth, ranking first among local financial institutions in Guangxi [7]. Group 7: Inclusive and Digital Finance - Guilin Bank has optimized its small and micro enterprise loan services, with private loans reaching 165.904 billion yuan and inclusive small micro loans at 42.630 billion yuan, increasing by 5.55% and 13.07% year-on-year, respectively [8]. - The bank is enhancing its digital financial capabilities, with a case study on digital human intelligent financial applications winning an award for innovation in Guangxi's financial system [8].