以下文章来源于每财网 ，作者每日财报 每财网 . 每财网&每日财报，深度金融机构观察，详解资本市场动态，促进信息透明传播。 官网： https://meiricaibao.cn 2024年，长沙银行（601577.SH）成绩颇为不俗，并在2025年一季度延续良好发展态势——继 2023年迈入万亿俱乐部、成为湖南首家和A股第八家万亿级城商行后，2024年资产规模同比继续 大增12%。到2025年一季度末突破1.2万亿，同比增长14.13%，较年初增长5.62%，实现了资产规 模的"节节高"。 当区域经济与地方银行碰撞出火花，这家扎根湖湘大地的长沙银行在城商行赛道上跑出了加速度 ——从县域乡村的"稻虾米贷"精准滴灌，到产业园区的"22条产业链"全链赋能，再到手机银行 7.0版本的智慧升级，这家扎根湖湘的城商行正用"区域深耕+创新破局"的双线战略，书写着属于 地方银行的韧性答卷。 01 信贷投放加速： 多角度区域赋能，县域多点突破 从贷款结构来看，2024年长沙银行对公贷款新增561亿元、零售贷款新增47亿元、票据减少41 亿元，与上年相比，对公贷款多增67亿元，零售贷款少增80亿元，票据减少44亿元。对公贷款 的 ...

Core Viewpoint - Changsha Bank's 2024 performance report highlights a focus on high-quality development and strategic goals, with significant growth in assets, revenue, and profits [1] Financial Performance - As of the end of 2024, total assets reached 1,146.748 billion yuan, an increase of 126.715 billion yuan, or 12.42% year-on-year [1] - Operating income was 25.936 billion yuan, up 4.57% year-on-year [1] - Total profit was 9.424 billion yuan, a slight increase of 0.39% year-on-year [1] - Net profit attributable to shareholders was 7.827 billion yuan, growing by 4.87% year-on-year [1] Scale and Efficiency - Total loans and advances amounted to 545.109 billion yuan, increasing by 56.718 billion yuan, or 11.61% year-on-year [2] - Total deposits reached 722.975 billion yuan, up 64.118 billion yuan, or 9.73% year-on-year [2] - Non-performing loan ratio stood at 1.18%, with a provision coverage ratio of 309.82%, indicating strong risk management [2] Sector-Specific Financial Initiatives - Technology finance loans reached 44.498 billion yuan, increasing by 6.761 billion yuan, or 17.92% [3] - Green finance loans totaled 52.829 billion yuan, up 9.926 billion yuan, or 23.14% [4] - Inclusive finance for small and micro enterprises reached 68.283 billion yuan, increasing by 9.373 billion yuan, or 15.91% [4] - The number of inclusive small and micro enterprise loan accounts rose to 73,626, an increase of 953 accounts [4] Strategic Focus and Growth - County-level deposits reached 234.174 billion yuan, increasing by 29.6 billion yuan, or 14.47% [5] - County-level loans totaled 201.372 billion yuan, up 31.672 billion yuan, or 18.66% [5] - The bank supported 165 key projects with new credit funding of 21.14 billion yuan [5] - Retail customer base surpassed 18.44 million, with personal deposits of 386.489 billion yuan, an increase of 50.396 billion yuan, or 14.99% [5] - Wealth management assets under management reached 455.208 billion yuan, with a 12.30% growth in wealth clients [5]