成都银行：“万亿行”再进阶，铸造区域金融“新引擎”

Core Viewpoint - Chengdu Bank's 2024 annual report highlights significant growth, with total assets exceeding 1.25 trillion yuan and a net profit increase of 10.17%, marking it as a key player in the financial sector of the Chengdu-Chongqing economic circle [1][8]. Group 1: Regional Economic Collaboration - Chengdu Bank is positioned as a "new engine" for regional finance, leading in new deposit and loan scales among financial institutions in Sichuan, and supporting major infrastructure and livelihood projects [2][3]. - The bank has actively engaged in financing significant projects, including a tailored asset-backed commercial paper for Huaxi Group, unlocking nearly 1 billion yuan in receivables [3]. - The bank's services extend to major infrastructure projects, ensuring comprehensive financial support for key industries and achieving 100% coverage of financial services for regional industrial chains [3][4]. Group 2: Retail Transformation - Chengdu Bank has shifted focus to retail banking, with personal deposits surpassing 400 billion yuan and leading in personal loan growth within the region [5]. - The bank's retail strategy emphasizes customer-centric services, including tailored offerings for elderly clients, resulting in a significant increase in service accessibility [5][6]. - The bank has developed a chain service system for corporate clients, enhancing financial management solutions and expanding its wealth management services [6]. Group 3: Financial Technology Development - Chengdu Bank is enhancing its digital capabilities through significant investments in technology, including upgrades to its bill business system and internet loan services [7]. - The bank's technology-driven approach has led to a high coverage rate of financial services for specialized small and medium enterprises, supporting their growth [7]. - The introduction of AI models for risk management has improved the bank's asset quality, with a decrease in non-performing loan rates and a high provision coverage ratio [7]. Group 4: Strategic Goals and Future Outlook - Chengdu Bank aims to build a partnership-based relationship with clients, focusing on long-term growth and alignment with regional development [8]. - The bank plans to deepen its engagement in the Chengdu-Chongqing economic circle, contributing to the prosperity of the regional financial ecosystem [8].