中西部城商行“一哥”年报落地：资产规模千亿级增速领航，营收利润双增长

Core Viewpoint - Chengdu Bank has demonstrated strong growth and stability, achieving significant increases in both assets and profits, while also expanding its deposit and loan portfolios, positioning itself as a leading city commercial bank in the western region of China [1][2][7]. Financial Performance - As of the end of last year, Chengdu Bank's total assets reached 1,250.1 billion yuan, an increase of 158.9 billion yuan, representing a growth rate of 14.56% [2][4]. - The bank's total deposits amounted to 885.9 billion yuan, up by 105.4 billion yuan, with a growth rate of 13.51% [2]. - Total loans reached 742.6 billion yuan, increasing by 116.8 billion yuan, with a growth rate of 18.67% [2]. - The bank's net profit for the reporting period was 128.6 billion yuan, reflecting a year-on-year increase of 11.9 billion yuan, or 10.17% [7]. Business Strategy - Chengdu Bank focuses on a strategy of "stable deposits and efficient assets," emphasizing "refined, digital, and large retail" transformation [2]. - The bank has developed three main business areas: government finance, entity business, and retail liabilities, which serve as its competitive advantages [2]. Loan and Deposit Breakdown - Company deposits stood at 405.5 billion yuan, growing by 3.79%, while personal deposits reached 438.4 billion yuan, with a significant growth of 23.79% [3]. - The bank's loan structure is robust, with corporate loans at 602.6 billion yuan, growing by 20.25%, and personal loans at 138.7 billion yuan, increasing by 12.46% [4]. Investment and Innovation - Chengdu Bank has been active in investment banking, achieving record-high credit bond underwriting and launching several innovative financial products [5][6]. - The bank has successfully issued the first asset-backed debt financing tool without external guarantees, reducing local enterprises' financing costs [6]. Shareholder Confidence - Major shareholders, including Chengdu Jiaozi Financial Holding Group, have increased their stakes in the bank, reflecting confidence in its future growth [11][12]. - The bank's board proposed a cash dividend of 8.91 yuan per 10 shares, totaling 3.776 billion yuan, which is 30.04% of the net profit attributable to shareholders [7]. Future Outlook - Chengdu Bank aims to enhance its strategic support for key industries and social welfare while adhering to the principles outlined in the "Five Major Financial Actions" [8][9][12].