Core Insights - Suzhou Bank has achieved significant growth in asset scale, deposits, and loans, with total assets exceeding 750 billion yuan, a year-on-year increase of 8.83% [1] - The bank's revenue reached 6.504 billion yuan, and net profit attributable to shareholders was 3.134 billion yuan, reflecting year-on-year growth of 1.81% and 6.15% respectively [2] - The bank maintains a low non-performing loan ratio of 0.83%, indicating strong asset quality amidst increasing competition in the regional banking sector [5] Financial Performance - Total deposits amounted to 462.752 billion yuan, with a growth of 10.98% year-on-year, while total loans reached 363.497 billion yuan, growing by 9.04% [1] - The cost-to-income ratio improved to 30.51%, down 6.28 percentage points from the end of the previous year, enhancing operational efficiency [2] Strategic Initiatives - Suzhou Bank is leveraging a "dual-engine" strategy focusing on "Science and Technology Innovation + Cross-border" and "People's Livelihood + Wealth Management" to drive high-quality development [3] - The bank has established a comprehensive support system for innovative enterprises, with over 13,000 clients and a total credit amount exceeding 130 billion yuan in the science and technology sector [3] - Cross-border financial services have seen significant growth, with international settlement volume surpassing 13.6 billion USD, a year-on-year increase of 30% [3] Asset Quality and Risk Management - The bank's non-performing loan ratio remains stable at 0.83%, with a provision coverage ratio of 437.91%, indicating robust asset quality [5] - Core Tier 1 capital adequacy ratio stands at 9.87%, with total capital adequacy ratio at 14.57%, positioning the bank among the top tier of listed banks in terms of risk indicators [5] Technological Empowerment - Suzhou Bank has enhanced its risk management capabilities through the optimization of its intelligent risk control system and the implementation of advanced data analytics [6] - The bank is committed to exploring new growth opportunities in financial technology applications, consumer finance services, and cross-border business expansion to adapt to changing market conditions [6]