成都银行：ROE连续多年行业领跑 一季报业绩续上新台阶

Core Viewpoint - Chengdu Bank demonstrated steady growth in operating performance, achieving a weighted average return on equity (ROE) of 17.81% for 2024, ranking first among A-share listed banks for several consecutive years [1] Group 1: Financial Performance - In Q1 2025, Chengdu Bank reported operating income of 5.817 billion yuan, an increase of 179 million yuan, or 3.17% year-on-year [1] - The net profit attributable to shareholders of the parent company reached 3.012 billion yuan, up 161 million yuan, or 5.64%, indicating a strong profit growth momentum [1] Group 2: Asset and Liability Management - Chengdu Bank plans to maintain a stable deposit base while expanding active liabilities in response to market interest rate trends, aiming for steady growth in asset scale while ensuring a sound business structure [2] - The bank will focus on issuing 11 billion yuan of perpetual bonds in 2025 and is preparing for potential capital replenishment in light of favorable market conditions and regulatory developments for small and medium-sized banks [2] Group 3: Digital Transformation - The bank is promoting the application of digital capabilities, including large models, robotic process automation (RPA), and optical character recognition (OCR), to enhance operational efficiency and reduce costs [3] - Chengdu Bank is accelerating the construction of an "AI + scenario" dual-driven model to improve retail and corporate credit processes, thereby enhancing the quality and efficiency of financial services [3] - The bank is also focusing on data applications in personal finance, financial management, and risk compliance to transform data value into business development and management enhancement [3]