Core Insights - Suzhou Bank has successfully transformed from a local agricultural bank to a significant regional financial institution over its 15 years of operation, with total assets exceeding 720 billion yuan and maintaining high asset quality [1][3][4] - The bank's dual-engine strategy focuses on "Technology Innovation + Cross-border" and "People's Livelihood + Wealth," aligning with national policy directions to drive financial service innovation and support regional economic prosperity [1][5][20] Group 1: Strategic Development - Suzhou Bank's growth is characterized by a strategic focus on local economic characteristics, emphasizing retail banking and community services, such as the issuance of social security cards [3][4] - The bank has established a comprehensive risk management system to ensure sustainable development, maintaining a non-performing loan ratio below 1% and achieving a record low of 0.83% by the end of 2024 [4][20] Group 2: Business Expansion and Quality Improvement - The bank has expanded its physical network significantly, achieving full coverage in Suzhou and establishing branches across Jiangsu province, with total assets growing nearly 15 times since its inception [4][20] - Suzhou Bank has successfully listed on the Shenzhen Stock Exchange, becoming the 33rd listed bank in China, with total assets reaching 727.15 billion yuan as of March 2023, reflecting a 112% increase since its listing [4][20] Group 3: Innovation in Financial Services - The bank has developed a unique financial service model that integrates technology and cross-border finance, launching various innovative products to support technology enterprises and enhance cross-border trade [5][9][10] - Suzhou Bank has implemented a "345" action plan to optimize the business environment, enhancing financial service efficiency and supporting small and medium-sized enterprises in their digital transformation [7][20] Group 4: Support for Local Economy and SMEs - The bank has actively supported local small and micro enterprises, with inclusive loans exceeding 70.5 billion yuan, utilizing digital risk control to balance support for the real economy and asset quality management [17][18] - Suzhou Bank has introduced various financial products tailored to meet the needs of local businesses, including credit products and supply chain financing, to stimulate market vitality [19][20] Group 5: Commitment to Social Responsibility - The bank has launched initiatives to enhance consumer finance and services for new citizens, providing tailored financial solutions and promoting community engagement [12][13][20] - Suzhou Bank has focused on developing a comprehensive financial service ecosystem for technology innovation, supporting over 13,000 technology enterprises with a credit scale exceeding 130 billion yuan [14][15][16]

4月28日晚，苏州银行发布2024年年报和2025年一季报，近15个月经营发展成果全面亮相。苏州银 行紧跟时代发展步伐，始终坚持党的领导，立足区域经济发展大局，坚定"以客户为中心"的一体化 经营战略，"科创+跨境""民生+财富"双引擎强劲发力，保持稳中有进、进而有为的良好发展态势。 稳健长行擦亮发展底色 资产规模再上新台阶 2 0 2 4年，面对市场快速变化、竞争日趋激烈的种种挑战，苏州银行迎难而上、稳步前行。 该行总资产、存款、贷款增速均保持较快发展态势，存款增量创历年新高，在江苏、苏州 市场份额中，存款占比分别提升0 . 1 8、0 . 7 4个百分点。截至2 0 2 4年末，苏州银行资产总额 6 9 3 7 . 1 4亿元，较上年末增加9 1 8 . 7 3亿元，增幅1 5 . 2 7%；各项存款4 1 6 9 . 6 5亿元，较上年 末增加5 3 1 . 4 4亿元，增幅1 4 . 6 1%；各项贷款3 3 3 3 . 5 9亿元，较上年末增加3 9 9 . 5 8亿元，增 幅1 3 . 6 2%。同时，该行保持良好经营效益，2 0 2 4年度，实现营业收入1 2 2 . 2 4亿元，比上 年同期增长 ...

苏州银行深融国家战略与区域发展脉络，将ESG理念全面融入公司治理，依托董事会下设的金融廉洁与 伦理委员会，构建覆盖全流程的可持续发展管理体系。通过"可持续发展议题重要性矩阵"，精准识别科 创金融、乡村振兴、绿色转型等核心议题，确保战略资源向关键领域集聚，实现企业发展与社会价值的 同频共振。 苏州银行以新三年战略规划为契机，聚焦"科创+跨境"构建发展引擎。针对科创企业轻资产、高成长的 特点，形成了"6大伴飞产品+1个苏心科创力模型+GOAI科创金融生态"的"6+1+O"科创金融服务范式， 精准破解科技型企业融资难题。2024年，服务科创企业客户超1.2万户，科创企业授信超1200亿元，科 创企业贷款增幅突破30%。持续完善"一卡一贷一平台"人才服务模式，支持各层次人才超2万人，为苏 州打造"创新高地"输送金融活水。跨境金融方面，上线了综合化外汇业务服务品牌"汇智赢"，全面优化 新模式，打造"1+2+3+N"供应链金融服务体系。截至2024年末，与270家核心企业建立合作关系，服务 上下游客户近2500家，供应链融资余额超113亿元。 服务实体经济是立行之本，围绕区域发展战略，苏州银行结合省、市、区县重点产业布局 ...

Core Viewpoint - Suzhou Bank demonstrates robust growth and strong financial performance, with key operational indicators maintaining regional leadership and a focus on serving the real economy [1][2][3][6]. Financial Performance - As of the end of 2024, Suzhou Bank's total assets reached 6937.14 billion, an increase of 918.73 billion, representing a growth rate of 15.27% [2]. - The bank's total deposits amounted to 4169.65 billion, up by 531.44 billion, with a growth rate of 14.61% [2]. - Total loans reached 3333.59 billion, increasing by 399.58 billion, reflecting a growth rate of 13.62% [2]. - For Q1 2025, total assets surpassed 7000 billion, reaching 7271.54 billion, with a quarterly increase of 334.40 billion, or 4.82% [3]. - The bank achieved a net profit of 16.10 billion in Q1 2025, marking a year-on-year increase of 6.95% [3]. Asset Quality - Suzhou Bank's non-performing loan (NPL) ratio fell to 0.83% by the end of 2024, the lowest since its listing, achieving six consecutive years of decline [5]. - The bank's provision coverage ratio stood at 483.50%, indicating strong risk mitigation capabilities [5]. - As of Q1 2025, the NPL ratio remained stable at 0.83%, with a provision coverage ratio of 447.20% [5]. Service to the Real Economy - The bank has significantly increased its support for the real economy, with corporate loans reaching 2414.83 billion by the end of 2024, up by 454.82 billion, a growth of 23.21% [6]. - Suzhou Bank has issued over 1200 billion in credit to more than 12000 technology enterprises [7]. - In cross-border finance, the bank's international settlement volume reached 168 billion, doubling year-on-year [7]. Technological Innovation - Suzhou Bank is leveraging digital transformation to enhance financial services, including the implementation of a new comprehensive credit system and the development of a knowledge graph platform [8][9]. - The bank has promoted online trade financing services, significantly improving operational efficiency [8]. - The "Su Xin Ke Chuang Li" evaluation model has been developed to better assess the value and risks of technology enterprises, showcasing the integration of technology and finance [9].