苏商银行2024年报：稳稳的“江苏样本”

Core Viewpoint - SuShang Bank has achieved high-quality development in 2024 despite a narrowing net interest margin and homogeneous competition, with a focus on stability reflected in its financial performance [1][3]. Financial Performance - The bank reported revenue of 5.006 billion yuan and net profit after tax of 1.158 billion yuan, both growing over 10% year-on-year [1]. - Asset scale reached 137.5 billion yuan by the end of 2024, with a compound annual growth rate of 10.76% over the past three years [1]. Support for Private Enterprises - SuShang Bank has embedded support for private enterprises into its core operations, achieving a 219% increase in private loans by implementing a "Inclusive Micro Loan Combat Manual" [3][4]. - By the end of 2024, the bank's private enterprise loan balance reached 24.141 billion yuan, accounting for over 76% of corporate and operational loans, with nearly 60% being credit loans [7]. Digital Transformation - The bank has leveraged digital technology to maintain a cost-to-income ratio of around 22%, which is approximately 10 percentage points lower than the industry average in Jiangsu [13]. - SuShang Bank's total asset return on assets (ROA) was 0.91% and return on equity (ROE) was 15.71%, placing it among the top banks in Jiangsu [13]. Innovative Financial Products - The bank has developed chain products like "Procurement Loans" and "Supply Loans," supporting over 1,600 core enterprises and focusing on key industries such as digital 3C and biomedicine [6]. - By the end of 2024, the bank's inclusive micro-loan balance was 21.832 billion yuan, with a year-on-year growth of 13.01%, covering 31.23% of total loans [11]. Risk Management and Technology - The bank has transformed its risk management system using advanced technology, processing over 300,000 loan applications daily with millisecond-level decision outputs [17]. - The non-performing loan rate was 1.18% in 2024, with a provision coverage ratio of 214.02%, exceeding regulatory requirements [17].