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].