Bank Of Guiyang(SH:601997) Mei Ri Jing Ji Xin Wen·2025-08-25 12:54Core Viewpoint - Guiyang Bank aims to become a leading city commercial bank in the western region and a key supporter of new development in Guizhou, focusing on political and people-oriented financial work while leveraging digital transformation and distinctive operations to maintain competitive advantages and achieve balanced growth in scale, efficiency, and quality [1][2]. Financial Performance - In the first half of 2025, Guiyang Bank reported operating income of 6.501 billion yuan and net profit attributable to shareholders of 2.474 billion yuan, with total assets reaching 740 billion yuan, solidifying its position as the largest legal financial institution in Guizhou [1][2]. - The bank's total assets increased to 741.54 billion yuan by the end of June, a growth of 35.87 billion yuan or 5.08% from the beginning of the year [2]. Business Operations - Guiyang Bank's loan total reached 343.46 billion yuan, with a slight increase of 4.32 billion yuan or 1.27%, while deposits totaled 433.77 billion yuan, up 14.56 billion yuan or 3.47% [2]. - The bank has focused on supporting key areas of the local economy, with loans in new industrialization, urbanization, agricultural modernization, and tourism reaching 165.31 billion yuan, an increase of 4.46 billion yuan [3]. Risk Management - As of June, the non-performing loan ratio stood at 1.70%, better than the average for city commercial banks nationwide, with a capital adequacy ratio of 14.97% [4]. Digital Transformation - Guiyang Bank has deepened its digital transformation strategy, establishing a digital financial management department and launching a new mobile banking app, enhancing customer engagement and deposit growth [5][6]. - By the end of June, savings deposits reached 230.67 billion yuan, an increase of 16.12 billion yuan or 7.52%, with savings deposits contributing 53.18% of total deposits, up 2 percentage points [6]. Retail and Consumer Loans - The bank has optimized its consumer loan products, with "Shuangkuai Loan" increasing by 38% to 5.598 billion yuan [7]. - The personal housing loan balance reached 22.473 billion yuan, with an increase of 602 million yuan [7]. Comprehensive Financial Services - Guiyang Bank has enhanced its service offerings by restructuring its corporate business lines and developing a comprehensive financial service system, focusing on diverse customer needs [8][9]. - The bank has issued direct financing products totaling 24.85 billion yuan and provided financing support of 1.449 billion yuan through its "Shuangrong Chain" service model [9]. Strategic Development - The bank is actively developing green finance, with green loan balances reaching 34.242 billion yuan, and is expanding its offerings in technology and pension finance [10].