Core Viewpoint - Jinshang Bank's 2024 annual report indicates a steady yet progressive development, with asset scale growth, stable operating income, and improving asset quality and risk resilience [2] Group 1: Operational Performance - As of the end of 2024, Jinshang Bank's total assets reached 376.306 billion yuan, an increase of 15.001 billion yuan, or 4.15% from the previous year [3] - The deposit balance was 300.863 billion yuan, up by 19.781 billion yuan, or 7.04% year-on-year [3] - The loan balance stood at 201.414 billion yuan, reflecting a growth of 9.978 billion yuan, or 5.21% [3] - The bank achieved an operating income of 5.791 billion yuan, maintaining stability [3] - The non-performing loan ratio decreased by 0.01 percentage points to 1.77%, while the provision coverage ratio increased by 6.75 percentage points to 205.46% [3] Group 2: Reform and Innovation - Jinshang Bank accelerated its reform and innovation efforts, enhancing its high-quality development momentum [4] - The bank introduced various initiatives, including "Government Procurement Smart Loan" and "Code Loan," to improve service efficiency and reach underserved customer segments [3][4] - The bank was authorized to independently conduct non-financial enterprise debt financing tool underwriting, becoming one of the first banks in the province to offer "Government Procurement Smart Loan" services [4] Group 3: Service to the Real Economy - Jinshang Bank emphasizes financial services for the real economy, with corporate loan balances reaching 127.308 billion yuan, a year-on-year increase of 5.8% [5] - The bank's technology finance loan balance was 13.466 billion yuan, while green finance loans reached 11.208 billion yuan [5] - The proportion of medium- and long-term loans in total corporate loans increased from 59.3% at the end of 2023 to 62.4% by the end of 2024 [5] Group 4: Digital Transformation - The bank's digital transformation strategy (2022-2024) has led to significant improvements in service efficiency and customer experience [7] - Mobile banking registered users grew by 11.5%, and transaction volumes increased by 9.5% year-on-year [7] - Personal loan balances reached 34.284 billion yuan, a 7.7% increase, with consumer loans growing significantly by 52.1% to 4.469 billion yuan [7] Group 5: Risk Management - Jinshang Bank has enhanced its credit risk management through advanced information technology systems and big data integration [8] - The bank implemented a comprehensive risk management system focusing on early identification and proactive measures [8]

Core Viewpoint - Jinshang Bank emphasizes high-quality development and structural reform in its 2024 performance announcement, focusing on serving the real economy, risk management, and continuous transformation [2] Financial Performance - As of the end of 2024, Jinshang Bank's total assets reached 376.306 billion yuan, an increase of 15.001 billion yuan, or 4.15% from the previous year [3] - The deposit balance was 300.863 billion yuan, up by 19.781 billion yuan, or 7.04% [3] - The loan balance stood at 201.414 billion yuan, increasing by 9.978 billion yuan, or 5.21% [3] - The net profit for the year was 1.750 billion yuan [3] Service to the Real Economy - Corporate banking income accounted for 60% of total operating income, with a loan balance of 127.308 billion yuan, including 13.466 billion yuan in technology finance loans and 11.208 billion yuan in green finance loans [4] - The operating income from corporate banking was 3.480 billion yuan, representing 60.1% of total operating income [4] Retail Banking Development - Retail banking customer numbers grew from 3.313 million at the end of 2023 to 3.485 million at the end of 2024 [5] - Retail banking operating income was 1.387 billion yuan, making up 23.9% of total operating income [5] - The bank received multiple awards for its retail banking services and wealth management [5] Support for Small and Micro Enterprises - The balance of loans to small and micro enterprises reached 11.554 billion yuan, an increase of 1.722 billion yuan [6] - The number of small and micro enterprise loan customers rose to 5,576, an increase of 1,875 [7] - The non-performing loan ratio for small and micro enterprise loans was 3.29%, down by 0.52 percentage points [7] Asset Quality and Risk Management - The non-performing loan ratio was 1.77%, a decrease of 0.01 percentage points from the previous year [8] - The bank's provision coverage ratio was 205.46%, an increase of 6.75 percentage points [8] - Capital adequacy ratios were maintained above regulatory requirements, with a capital adequacy ratio of 12.84% [8] Digital Transformation - Jinshang Bank made significant progress in digital transformation, with mobile banking users increasing by 11.5% and transaction volume rising by 9.5% [9] - Video banking business volume grew by 61.3%, reaching nearly 2 million retail customers [9] - The efficiency of post-loan management improved by 70% [9]