苏州银行风波背后：业绩增速连年走低 消费贷占比攀升 合作“汉辰系”

Core Viewpoint - Suzhou Bank is facing challenges related to asset quality and rising credit risks, highlighted by its recent legal action against Wuxi Xuelang Environmental Technology Co., Ltd. due to a loan dispute, reflecting the bank's struggle with potential credit risks and deteriorating asset quality [1][22][30]. Financial Performance - Suzhou Bank has maintained double growth in revenue and profit from 2022 to the first three quarters of 2025, but the growth rate is gradually slowing down. In the first three quarters of 2025, revenue and profit growth rates fell to 2.02% and 7.12%, respectively [5][27]. - The bank's revenue for 2022, 2023, and 2024 was 117.63 billion, 118.66 billion, and 122.2 billion, with growth rates of 8.62%, 0.88%, and 3.0%, indicating a decline in growth momentum [4][25]. - The net profit for 2022, 2023, and 2024 was 39.18 billion, 46.01 billion, and 50.7 billion, with growth rates of 26.13%, 17.41%, and 10.2%, showing a noticeable slowdown [8][27]. Asset Quality - The non-performing loan (NPL) ratio for Suzhou Bank from the end of 2022 to the first three quarters of 2025 was 0.88%, 0.84%, 0.83%, and 0.83%, indicating stable risk control capabilities [6][28]. - The provision coverage ratio decreased significantly from 530.81% in 2022 to 420.59% in the first three quarters of 2025, reflecting a conservative approach to risk provisioning amid profit pressures [7][29]. Loan Structure - The proportion of corporate loans has increased from 67.50% in 2022 to 75.40% in the first three quarters of 2025, indicating a growing reliance on corporate business [10][31]. - Personal loans have decreased in proportion, from 32.50% in 2022 to 24.60% in the first three quarters of 2025, with a notable focus on personal consumption loans, which have become increasingly important [12][33]. Regulatory and Compliance Issues - Suzhou Bank's partnerships with internet lending platforms, particularly those associated with the "Hancheng System," have raised compliance concerns due to frequent exposure of these partners for regulatory issues [20][41]. - The bank is required to ensure compliance and risk isolation from its partners, especially with the upcoming regulations emphasizing strict management of internet lending practices [42].