优化资源配置，提高服务质效。为更好地服务制造业企业，该行进一步优化信贷资源配置，设立制造业 专项信贷额度，优先满足制造业企业的融资需求，特别是对高端装备制造、新材料、新能源等战略性新 兴产业给予重点支持。建立制造业重点企业"白名单"制度，为企业建立"绿色通道"，在风险可控的前提 下进一步简化贷款流程，提高审批效率，确保资金能够及时到位。 强化沟通对接，提供精准支持。在日常工作中，该行主动加强与当地发改、工信、科技等部门的沟通对 接，及时了解河池市产业政策动态和企业金融服务需求信息。同时，安排专人入园开展轮值服务，组建 专业服务团队，深入工业园区、企业车间，开展"一对一"走访调研，精准摸排企业在设备更新、技术改 造、产能扩张等方面的资金需求。针对不同企业的经营特点、发展阶段和融资痛点，量身定制金融服务 方案，精准满足企业的资金需求，助力企业转型升级和创新发展。（董思妗） 编辑：穆皓 转自：新华财经 工行河池分行坚持将制造业作为信贷投放的重点方向，紧密围绕河池市关键核心技术攻关、传统产业转 型升级等制造业发展重点领域，持续加大金融支持力度，推动制造业贷款规模稳步增长。截至2025年5 月21日，该行制造业贷款比年 ...

进入4月末，区域性银行纷纷交出2024"成绩单"。截至发稿，17家A股上市城商行中，仅有成都银行 （601838）、西安银行（600928）、厦门银行（601187）、贵阳银行（601997）年报尚待正式发布。 报告数据显示，截至2024年末，资产规模达到两万亿元以上的城商行已有6家，分别为北京银行 （601169）、江苏银行（600919）、上海银行（601229）、宁波银行（002142）、南京银行 （601009）、杭州银行（600926）。其中，北京银行资产总额达到4.22万亿元，较2023年增长12.61%。 杭州银行资产总额2.11万亿元，同比增长14.72%，首次突破两万亿元。 成都银行、长沙银行（601577）也属于"万亿俱乐部"。重庆银行（601963）、苏州银行（002966）、青 岛银行（002948）、齐鲁银行（601665）资产规模均保持10%以上的高速增长。 除A股上市城商行外，2024年，徽商银行实现营业收入371.28亿元，同比增长2.10%，实现净利润159.17 亿元，同比增长6.18%；哈尔滨银行2024年实现营业收入142.43亿元，同比增长7.56%，实现归母净利润 ...

Investment Rating - The investment rating for the company is "Buy" and it is maintained from the previous rating [5]. Core Views - The report indicates that the company's revenue for Q1 2025 is 33.1 billion yuan, a year-on-year decrease of 4.06%, while the net profit attributable to shareholders is 12.5 billion yuan, showing a slight increase of 0.31% year-on-year. The non-performing loan ratio remains stable at 1.25% [1][2]. - The decline in net interest margin is expected to narrow, supported by improved costs of interest-bearing liabilities and growth in fee income [2][4]. - The bank's asset quality remains stable, with a provision coverage ratio of 174.44%, down 6.2 percentage points from the end of the previous year [3][4]. Performance Summary - Revenue and net profit growth rates for Q1 2025 are -4.06% and 0.31%, respectively, which are improvements compared to the previous year's declines of 3 percentage points and 2 percentage points [2]. - Net interest income decreased by 6.84% year-on-year, but the decline is less severe than in the previous year, attributed to improvements in the cost of interest-bearing liabilities [2]. - Fee and commission income increased by 3.27% year-on-year, with a notable acceleration in growth compared to the previous year [2]. - Other non-interest income grew by 1.52% year-on-year, with significant growth in investment income, although affected by market volatility [2]. Asset Quality - The non-performing loan ratio is stable at 1.25%, with a provision coverage ratio of 174.44%, reflecting a slight decrease from the previous year [3]. - The credit cost for Q1 2025 is 0.86%, down 21 basis points year-on-year [3]. Asset and Liability Management - Total assets and loans as of Q1 2025 are 72.3 trillion yuan and 41.1 trillion yuan, respectively, showing year-on-year growth of 4.80% and 5.24% [4]. - The bank has focused on increasing loans in technology finance, manufacturing finance, green finance, and inclusive finance, with significant increases in these areas [4]. - Total deposits reached 42.7 trillion yuan, reflecting a year-on-year growth of 3.49% [4]. Investment Recommendations - The report suggests that the narrowing decline in net interest margin and growth in fee income indicate potential for better performance in the medium to long term, maintaining a "Buy" rating [4].

Investment Rating - The report maintains a "Buy" rating for the company [5] Core Views - The company's revenue for Q1 2025 was 33.1 billion yuan, a year-on-year decrease of 4.06%, while the net profit attributable to shareholders was 12.5 billion yuan, showing a slight increase of 0.31% year-on-year [1][2] - The decline in net interest margin has narrowed, primarily due to improvements in the cost of interest-bearing liabilities [2] - The bank's asset quality remains stable, with a non-performing loan ratio of 1.25% and a provision coverage ratio of 174.44% [3] Performance Summary - Revenue and net profit growth rates for Q1 2025 were -4.06% and 0.31%, respectively, showing a narrowing decline compared to 2024 [2] - Net interest income decreased by 6.84% year-on-year, but the decline was less severe than in 2024, attributed to improved costs of interest-bearing liabilities [2] - Fee and commission income grew by 3.27% year-on-year, with a significant increase in growth rate compared to 2024 [2] - Other non-interest income increased by 1.52% year-on-year, with a notable rise in investment net income by 302.96% [2] Asset Quality - The non-performing loan ratio remained stable at 1.25%, with a provision coverage ratio of 174.44%, reflecting a slight decrease from the previous year [3] - The credit cost for Q1 2025 was 0.86%, down by 21 basis points year-on-year [3] Asset and Liability Management - Total assets and loans at the end of Q1 2025 were 72.3 trillion yuan and 41.1 trillion yuan, respectively, showing year-on-year growth of 4.80% and 5.24% [4] - The bank's focus on technology finance, manufacturing finance, green finance, and inclusive finance led to significant increases in loans to these sectors [4] - Total deposits reached 42.7 trillion yuan, reflecting a year-on-year growth of 3.49% [4] Investment Recommendation - The report suggests that the narrowing decline in net interest margin and growth in fee income indicate potential for better performance in the medium to long term, maintaining the previous "Buy" rating [4]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Liuzhou Branch is actively supporting the high-quality development of the manufacturing industry in Guangxi by enhancing financial services and implementing targeted financial support measures [1][2][3] Group 1: Financial Support and Growth - As of the first quarter of 2025, the manufacturing loan balance of ICBC Liuzhou Branch reached 16.113 billion, an increase of 2.253 billion since the beginning of the year [1] - The bank has developed differentiated investment and financing plans based on the characteristics and resource endowments of Liuzhou's industries, aiming to direct credit funds towards the manufacturing sector [1] Group 2: Product Utilization and Demand Matching - ICBC Liuzhou Branch focuses on key industries, projects, and clients, utilizing a variety of financial products such as loans, bonds, and equity to meet the diverse financial needs of manufacturing enterprises [2] - The bank emphasizes support for small and medium-sized enterprises in high-end manufacturing and technology innovation, implementing policies for technology transformation and project financing [2] Group 3: Service Enhancement and Efficiency - A professional working group, including investment banking experts, has been established to create tailored service plans for different enterprises, enhancing communication and approval efficiency [3] - The bank plans to continue improving service quality and innovating financial products to provide comprehensive support for the high-quality development of Liuzhou's manufacturing sector [3]