Core Viewpoint - Chengdu Bank's 2024 annual report highlights significant growth, with total assets exceeding 1.25 trillion yuan and a net profit increase of 10.17%, marking it as a key player in the financial sector of the Chengdu-Chongqing economic circle [1][8]. Group 1: Regional Economic Collaboration - Chengdu Bank is positioned as a "new engine" for regional finance, leading in new deposit and loan scales among financial institutions in Sichuan, and supporting major infrastructure and livelihood projects [2][3]. - The bank has actively engaged in financing significant projects, including a tailored asset-backed commercial paper for Huaxi Group, unlocking nearly 1 billion yuan in receivables [3]. - The bank's services extend to major infrastructure projects, ensuring comprehensive financial support for key industries and achieving 100% coverage of financial services for regional industrial chains [3][4]. Group 2: Retail Transformation - Chengdu Bank has shifted focus to retail banking, with personal deposits surpassing 400 billion yuan and leading in personal loan growth within the region [5]. - The bank's retail strategy emphasizes customer-centric services, including tailored offerings for elderly clients, resulting in a significant increase in service accessibility [5][6]. - The bank has developed a chain service system for corporate clients, enhancing financial management solutions and expanding its wealth management services [6]. Group 3: Financial Technology Development - Chengdu Bank is enhancing its digital capabilities through significant investments in technology, including upgrades to its bill business system and internet loan services [7]. - The bank's technology-driven approach has led to a high coverage rate of financial services for specialized small and medium enterprises, supporting their growth [7]. - The introduction of AI models for risk management has improved the bank's asset quality, with a decrease in non-performing loan rates and a high provision coverage ratio [7]. Group 4: Strategic Goals and Future Outlook - Chengdu Bank aims to build a partnership-based relationship with clients, focusing on long-term growth and alignment with regional development [8]. - The bank plans to deepen its engagement in the Chengdu-Chongqing economic circle, contributing to the prosperity of the regional financial ecosystem [8].

"聚焦主责主业，探索更加契合城市商业银行发展规律的经营 模式，坚持走'想明白的路'。"成都银行董事长王晖在年报致 辞中谈到："我们致力于减少影响价值创造的'内卷'行为，以 专注、创新与勤勉，在周期跌宕中铸就'成行信念'"……这些 或可一窥成都银行绩优的"密码"。 作者：程诚 封图：图片资料室 年报季临近尾声，各家城商行2024年年报陆续出炉。作为中西部规模、业绩领先的城商行，成都 银行(601838.SH) 再次凸显绩优股底色。该行4月28日晚披露的年报显示，至2024年末该行资产总 额突破1.25万亿元，全年营收、净利润均保持较快速度增长。 2024年，商业银行面临净息差收窄趋势，资产质量承压，外部环境变化亦带来多重挑战。在此背 景下，成都银行主动融入战略大局，在服务区域经济发展中发挥自身优势，在延续近年来高质量增 长的同时，不良贷款率九年连降至0.66%，资产质量保持行业优等。 "聚焦主责主业，探索更加契合城市商业银行发展规律的经营模式，坚持走'想明白的路'。"成都银 行董事长王晖在年报致辞中谈到："我们致力于减少影响价值创造的'内卷'行为，以专注、创新与 勤勉，在周期跌宕中铸就'成行信念'"……这些或可 ...

Core Viewpoint - Chengdu Bank demonstrates strong performance as a leading city commercial bank in the central and western regions of China, with significant growth in total assets, revenue, and net profit for 2024, despite challenges in the banking sector [1][2]. Financial Performance - As of the end of 2024, Chengdu Bank's total assets reached 1.25 trillion yuan, an increase of 158.9 billion yuan, or 14.56%, compared to the beginning of the year [2] - The bank's operating income for 2024 was 22.982 billion yuan, a year-on-year increase of 5.89%, while net profit attributable to shareholders was 12.858 billion yuan, up 10.17% [2] - The bank's non-performing loan ratio decreased to 0.66%, maintaining a leading position in the industry [3] Strategic Focus - Chengdu Bank emphasizes quality and efficiency, risk and return coordination, and dynamic balance between total volume and structure in its operations [2] - The bank is committed to reducing internal competition and focusing on innovation and diligence to enhance value creation [1] Transformation Initiatives - The bank is pursuing three major transformations: large retail, digitalization, and precision management, to adapt to changes in the banking environment [4][5][6] - In large retail, the bank expanded its customer base to over 10 million and achieved a record increase in savings deposits [4] - Digital transformation efforts include the implementation of a management platform and automation tools to enhance operational efficiency [5] - Precision management focuses on industry research to improve marketing and risk control, leading to better business quality [6] Regional Economic Integration - Chengdu Bank integrates its development with national strategies, focusing on the Chengdu-Chongqing economic circle and supporting key projects in urban construction and major industries [7][8] - The bank has provided financing for significant projects in various sectors, including intelligent manufacturing and biotechnology [7] Cross-Border Financial Services - The bank supports cross-border financial services, enhancing the efficiency of enterprises' capital turnover and promoting international business capabilities [8][9] - As of the end of 2024, the bank's "Free Trade通" financial service has supported 101 enterprises in cross-border transactions totaling 569 million USD [9]