塑造新质生产力“新引擎”，江苏银行的“稳进变”之道

Core Viewpoint - Jiangsu Bank is successfully advancing traditional industry upgrades, emerging industry growth, and future industry cultivation amidst a general narrowing of interest margins in the banking sector, achieving significant results through innovative product service systems and optimized financial supply [2] Financial Performance - In the first three quarters, Jiangsu Bank's operating income reached 67.183 billion yuan, a year-on-year increase of 7.83%; net profit attributable to shareholders was 30.583 billion yuan, up 8.32% year-on-year [3] Asset Growth and Support for Real Economy - Jiangsu Bank's total assets reached 4.93 trillion yuan by the end of Q3, growing over 20% since the beginning of the year, with various loans at 2.47 trillion yuan, up 17.87% year-on-year, and deposits at 2.54 trillion yuan, increasing by 20.22% since the start of the year [4] - The bank focuses on supporting key sectors such as equipment manufacturing, energy conservation, and information technology, enhancing services for manufacturing enterprises and promoting a multi-level technology finance service system [4] Targeted Financing Initiatives - Jiangsu Bank's manufacturing loans exceeded 360 billion yuan, growing 18.90% year-on-year, while infrastructure loans reached 691.2 billion yuan, up 31% year-on-year, supporting major project construction and new infrastructure layout [5] - The bank's technology loans reached 289.5 billion yuan, with green financing exceeding 720 billion yuan, growing 32.1% year-on-year, positioning it at the forefront of supporting technological innovation and green development [5] Retail Business Innovation - Jiangsu Bank's retail business has seen strong growth driven by innovation, leveraging digital transformation and enhancing wealth management services, including promotional activities linked to local sports events [5] Risk Management and Asset Quality - Jiangsu Bank's non-performing loan ratio decreased to 0.84% by the end of Q3, down 0.05 percentage points since the beginning of the year, marking a continuous decline for nine years since its listing [6] Support for Technology Innovation - Jiangsu Bank has introduced various financial products to support technology innovation, including specialized loans for startups and a comprehensive financial service system covering the entire industrial chain [7] - The bank has participated in the issuance of technology innovation bonds, enhancing financing channels for technology enterprises and supporting strategic emerging industries [8] Overall Impact on Economic Development - Jiangsu Bank's initiatives are enhancing the innovation capabilities and market vitality of technology enterprises, facilitating easier financing for private enterprises, and injecting strong momentum into regional economic development [9]