“压舱石”够稳，“成长劲”够韧——透视苏州银行“双重底色”

Core Insights - Suzhou Bank reported a stable performance in its 2025 semi-annual report, with total assets exceeding 750 billion yuan, a year-on-year growth of 8.83%, and a non-performing loan ratio of 0.83% [1][2] Financial Performance - Total deposits reached 462.75 billion yuan, and total loans amounted to 363.50 billion yuan, reflecting increases of 10.98% and 9.04% respectively compared to the end of the previous year [1] - The bank achieved revenue of 6.50 billion yuan and a net profit attributable to shareholders of 3.13 billion yuan [1] Risk Management - Suzhou Bank maintains a non-performing loan ratio of 0.83% and a provision coverage ratio of 437.91%, indicating strong asset quality and risk management capabilities [2] - The bank has implemented a comprehensive risk management system, which includes a matrix risk management structure and advanced digital risk monitoring tools [2][3] Business Development Strategies - The bank focuses on two main business engines: "Technology Innovation + Cross-border" and "People's Livelihood + Wealth" to drive growth [3][4] - In the technology finance sector, Suzhou Bank has established a comprehensive service system for tech enterprises, supporting over 13,000 clients with a total credit amount exceeding 130 billion yuan [3][4] Cross-border Financial Services - The bank has developed a robust cross-border financial product system, achieving an international settlement volume of over 13.6 billion USD, a 30% year-on-year increase [4] - Cross-border RMB settlement volume surpassed 14.5 billion yuan, growing by 53% year-on-year, indicating strong demand for cross-border services [4] Wealth Management - Suzhou Bank has enhanced its investment research capabilities and developed a diversified wealth management product system, managing over 390 billion yuan in total assets for individual clients [6] - The private banking segment has seen a 19% increase in client numbers and a 16% growth in total financial assets compared to the beginning of the year [6] Conclusion - The synergy between risk management and business development is crucial for Suzhou Bank's stable growth, allowing it to navigate complex market conditions effectively [7]