台州银行：稳健经营彰显发展韧性

Core Viewpoint - Taizhou Bank is committed to its "1125 strategy" and aims to support the real economy's stable and high-quality development through robust financial services, despite facing economic challenges in 2024 [1] Group 1: Financial Performance - As of the end of 2024, Taizhou Bank's total assets reached 411.902 billion, an increase of 10.406 billion, representing a growth of 2.59% year-on-year [3] - The bank's non-performing loan ratio was maintained at a low level of 1.10%, significantly below the national average [4] - The provision coverage ratio stood at 309.67%, more than double the regulatory requirement, indicating strong risk resistance capabilities [4] Group 2: Focus on Small and Micro Enterprises - Taizhou Bank focuses on serving small and micro enterprises, with over 99% of loans directed to clients with loans below 5 million, highlighting its support for the private economy [3] - The bank has implemented a service model that includes "industry-based, village-based, platform-based, and ecological" approaches to provide customized financing solutions for small businesses [3] Group 3: Digital Transformation - The bank has made significant progress in digital transformation, establishing a "Smart Financial Service Platform" for small and micro enterprises [5] - By leveraging big data and artificial intelligence, Taizhou Bank has optimized its credit approval processes and enhanced service efficiency [5] - New digital products, such as the 3.0 version of the mobile business hall and the "Micro Green Pass" green finance service, have been introduced to support small businesses in their digital transition and low-carbon transformation [5]