助力科技强省建设，江苏科技金融跑出"加速度" 金融"活水"，精准滴灌新质生产力 丁宗红介绍，在创新创优产品服务方面，江苏银行深入研究科技企业特征，构建"科创融"全周期产品服 务矩阵。比如，该行在业内首创服务技术转移转化的"成果转化贷"，与创投机构合作创新推出投贷联 动"融合贷"，并推出全线上智慧化融资产品"科创e贷"，先行先试贷款利息前低后补的"共赢贷"……"这 些创新金融产品可以全方位满足不同阶段科技型企业的金融需求，企业非常认可。"他说。 □ 南京日报/紫金山新闻记者 曹丽珍 推动更多科技创新和技术改造再贷款落地江苏，持续创新金融产品和优化服务来满足企业的金融需 求……记者近日从人行江苏省分行召开的新闻发布会上获悉，近年来，全省金融系统着力做好科技金融 大文章，推动"科技—产业—金融"融合发展，服务江苏加快发展新质生产力，以高质量科技金融服务高 水平科技强省建设。 金融"活水"，向"新"而流。据介绍，去年4月，为落实国务院常务会议关于推动新一轮大规模设备更新 和消费品以旧换新的决策部署，中国人民银行设立科技创新和技术改造再贷款，激励引导金融机构加大 对科技型中小企业、重点领域技术改造和设备更新项目的金融支 ...

Core Viewpoint - The banking industry is undergoing significant differentiation and transformation, with increasing market competition. Jiangsu Bank has demonstrated strong performance amidst challenges, achieving high-quality development through its commitment to "finance for the people" and enhancing financial services [2][4]. Financial Performance - Jiangsu Bank reported a Q1 2025 operating income of 22.304 billion yuan, a year-on-year increase of 6.21% - The net profit attributable to shareholders was 9.78 billion yuan, up 8.16% year-on-year - Basic earnings per share reached 0.53 yuan, reflecting a growth of 17.78% [2][4] - As of the end of Q1 2025, the bank's non-performing loan ratio was 0.86%, the lowest since its listing, with a provision coverage ratio of 343.51% [4][5] Asset Growth - Jiangsu Bank's total assets surpassed 4 trillion yuan, reaching 4.46 trillion yuan, marking a significant milestone in its development - Total deposits amounted to 2.42 trillion yuan, a growth of 14.21% compared to the end of the previous year - Total loans reached 2.26 trillion yuan, with a year-on-year increase of 7.96% [3][4] Revenue Structure - The bank's interest income for Q1 2025 was 16.592 billion yuan, a year-on-year increase of 21.94%, accounting for 74.38% of total revenue - Non-interest income, including net fees and commissions, reached 1.65 billion yuan, up 21.77%, representing 7.4% of total revenue [4] Innovation and Support for SMEs - Jiangsu Bank has focused on enhancing financial services for small and medium-sized enterprises (SMEs) and technology innovation, establishing an "innovation ecosystem accelerator" - The bank has developed a tiered service system for technology financing and has actively engaged with local enterprises to support their growth [6][7] - As of the end of 2024, the bank's technology loan balance was 232.6 billion yuan, with a growth rate of 22.8% [7] Inclusive Finance Initiatives - Jiangsu Bank has prioritized inclusive finance, directing resources towards small and micro enterprises, and has implemented various initiatives to alleviate financing difficulties for these businesses - The bank's inclusive small and micro loan balance reached 210.5 billion yuan, a year-on-year increase of 21.36% [8][9] Retail Banking Strategy - The bank aims to expand its retail business and wealth management services, with a focus on customer needs and a comprehensive service approach - Retail deposits reached 822.9 billion yuan, growing 16.21% year-on-year, while retail loans amounted to 674.8 billion yuan, up 3.40% [10][11]

2025年一季度，桂林银行通过信贷资金"精准滴灌"，在支持县域经济、提振消费、乡村振兴、小微企业 扶持等方面持续发力，成为金融服务桂林经济建设高质量发展的有力助推器，助力桂林经济实现一季 度"开门红"生产目标任务。截至2025年3月末，桂林银行集团资产总额5847.80亿元，较年初增长 1.45%；存款总额4098.32亿元，较年初增长4.61%，贷款总额3690.03亿元，较年初增长2.42%；营业收 入31.54亿元，实现净利润10.32亿元，同比增幅1.52%。 桂林银行在各项经营指标稳步增长、主要监管指标符合监管要求的同时，各项排名也在稳步提升。在英 国《银行家》杂志公布的"2024年全球银行1000强"排行榜中，按核心一级资本排名，桂林银行位列第 295位；在"2024中国服务业企业500强榜单"中，桂林银行位列第250位；在"2024广西企业100强榜 单"中，桂林银行位列第22位。 二、夯实乡村金融护城河，构建"社区+乡村"双轮驱动 桂林银行继续深耕乡村金融，以精细化管理夯实乡村金融护城河。报告期内，桂林银行进一步打通农村 信息不对称的堵点、难点，加强与涉农经营主体有机联系，不断优化升级更符合乡 ...