7000亿苏州银行的质效双升年：夯实经营底座，服务实体民生再上新台阶

Core Viewpoint - Suzhou Bank has achieved significant growth, with total assets surpassing 700 billion yuan, reflecting a strong performance in the regional banking sector and a commitment to sustainable development and shareholder returns [1][4]. Financial Performance - As of the end of Q1 2025, Suzhou Bank's total assets reached 727.15 billion yuan, with a net profit of 15.54 billion yuan, marking a year-on-year growth of nearly 7% [4]. - For the year 2024, the bank reported a revenue of 12.22 billion yuan, a 3.01% increase from the previous year, and a net profit of 5.068 billion yuan, reflecting a 10.16% growth [2][3]. - The bank's return on equity was stable at 11.68%, indicating solid financial health [2]. Asset Quality and Growth - Suzhou Bank's total assets increased by 918.73 million yuan, a growth rate of 15.27%, positioning it as the second fastest in asset expansion among listed city commercial banks [3]. - The non-performing loan ratio improved to 0.83%, the lowest since its listing, with a provision coverage ratio of 483.50% [3][4]. Dividends and Shareholder Returns - The bank plans to distribute a cash dividend of 2 yuan per 10 shares, with an expected total cash dividend of 1.647 billion yuan for 2024, representing a payout ratio of 34.07% [5]. - This marks the fifth consecutive year that the cash dividend ratio has exceeded 30% [5]. Strategic Focus and Innovations - Suzhou Bank emphasizes a customer-centric integrated operation strategy, focusing on "technology innovation + cross-border" and "livelihood + wealth" dual engines to enhance operational efficiency [2][7]. - The bank has launched various initiatives to support local economic development, including a focus on green finance and digital transformation [8][11]. Market Position and Recognition - In 2024, Suzhou Bank ranked 253rd in The Banker’s Global 1000 Banks list and received a Moody's rating upgrade to Baa3, achieving investment-grade status [1][13]. - The bank's strong performance has led to positive outlooks from multiple brokerage firms, highlighting its asset quality and growth potential [5].