资本充足方面，广发银行资本充足率创历史新高。其中，核心一级资本充足率同比提升0.56个百分点至 9.67%，资本充足率同比提升1.81个百分点至14.86%。 需要指出的是，2024年是银行业做好"五篇大文章"的首个完整年度，各大银行金融机构，包括广发银 行，在五大金融领域均有明显发力。 数据显示，截至2024年末，广发银行贷款余额为2.13万亿元，较年初增长2.8%。过去一年累计投放对公 一般贷款7895亿元，创"十四五"以来新高。其中，科技企业贷款余额2355亿元，较年初增长24.96%；绿 色信贷余额突破2000亿元，同比增长42.30%；普惠型小微企业贷款余额1961亿元，新发放贷款利率 3.29%、较上年下降111BP；服务社保客户超620万户，个人养老金累计开户约320万户，居股份行前 列。 此外，作为唯一一家总部在广州的全国性股份制银行，大湾区是广发银行重点深耕区域，在支持湾区建 设方面有较强的金融资源倾斜。数据显示，截至2024年末，该行大湾区制造业、科技企业和绿色金融贷 款余额分别为690亿元、694亿元、626亿元，较年初分别增长24.5%、25.9%和42.2%。 在数字金融方面，广发银 ...

Core Insights - The core viewpoint of the articles highlights the steady growth and structural optimization of CITIC Bank's RMB loan portfolio in 2024, with a significant focus on technology enterprises and green finance initiatives [1][2] Group 1: Loan Growth and Structure - CITIC Bank's total RMB loan volume is expected to grow steadily in 2024, with a year-on-year increase of 19.34% in loans to technology enterprises, reaching a balance of 564.37 billion yuan [1] - The bank's green credit scale has surpassed 600 billion yuan, reflecting a growth of 30.84% in this area [2] - Loans in strategic emerging industries, medium to long-term manufacturing, and inclusive small and micro enterprises have also seen increases of 21.07%, 16.26%, and 10.04% respectively [2] Group 2: Strategic Focus and Future Plans - CITIC Bank is integrating its management with national strategies, expanding its services to technology enterprises, and has established technology finance centers in 21 key branches [1] - The bank plans to increase its credit issuance by 5.9% in 2025, with a target of adding 330 billion yuan in new loans [2] - In response to the backdrop of boosting consumption, CITIC Bank aims to enhance its digital risk control capabilities to empower the development of consumer finance [2]