苏州银行现50万元票据逾期，累计逾期发生额309万元

Core Viewpoint - Suzhou Bank has recently reported overdue bills, raising concerns about its financial management and operational efficiency [1][2]. Group 1: Overdue Bills and Financial Data - Suzhou Bank has an overdue bill balance of 500,000 yuan, with a cumulative overdue amount of 3,091,356.75 yuan as of June 1, 2025 [1][2]. - The total acceptance amount for Suzhou Bank is approximately 39.95 billion yuan, with an acceptance balance of about 49.06 billion yuan [2]. - The bank has not issued any announcements regarding the settlement of these overdue bills, which is unusual for a financial institution [3]. Group 2: Company Background and Performance - Suzhou Bank was established as Jiangsu Dongwu Rural Commercial Bank and rebranded in September 2010, transitioning from a rural commercial bank to an urban commercial bank [3]. - The bank was listed on the Shenzhen Stock Exchange in August 2019 and has expanded its operations significantly within Jiangsu province and the Yangtze River Delta region [3]. - In 2024, Suzhou Bank reported revenue of 12.22 billion yuan, a year-on-year increase of 3.01%, and a net profit attributable to shareholders of 5.07 billion yuan, up 10.16% [3]. Group 3: Loan Structure and Profitability - The bank's loan structure shows a significant increase in corporate loans, which grew by 23.21% year-on-year, while individual loans experienced a decline of 5.67% [4]. - The contribution of personal business to total profit has decreased sharply, with total profit from personal loans dropping by 43.93% year-on-year [4]. - As of the reporting period, overdue loans amounted to 3.45 billion yuan, representing 1.04% of total loans, an increase of 0.32 percentage points from the previous year [4].