Core Viewpoint - The article emphasizes the importance of integrating technological innovation with industrial development in Jiangsu, highlighting the role of financial institutions like Zijin Rural Commercial Bank in supporting this integration through tailored financial services and products for technology enterprises [1][2]. Group 1: Strategic Framework - Zijin Rural Commercial Bank has established a three-year strategic plan for technological finance development, prioritizing support for technology enterprises with dedicated credit plans and performance assessments [2]. - The bank has created a "1+13+N" organizational structure to enhance collaboration between the central bank and regional branches, facilitating a comprehensive service network for technology enterprises [2]. - A unique operational model called "three specialties and five separations" has been implemented to improve approval efficiency while addressing the specific needs and risks of technology companies [2]. Group 2: Product Innovation - The bank is focused on developing a product system that caters to the entire lifecycle of technology enterprises, offering specialized loans and financial products tailored to different stages of business development [3][4]. - For startups, the bank provides entrepreneurial loans and services like payroll management, while for growing companies, it offers products such as "Su Zhi Loan" and "Su Ke Loan" to meet their financing needs [4]. - As of June 2025, the bank has served over 1,700 technology enterprises, disbursing more than 8 billion yuan in loans, reflecting a nearly 10 billion yuan increase compared to the previous year [4]. Group 3: Service System - Zijin Rural Commercial Bank actively engages in resource integration and precise outreach to technology enterprises, having visited and followed up with 27,000 technology companies this year [6]. - The bank collaborates with various technology parks and has established partnerships with six technology financial service stations in Nanjing to enhance service delivery and address information asymmetry between banks and enterprises [6]. - The bank aims to strengthen its technological finance framework and develop products that meet the specific needs of technology enterprises, ensuring a steady flow of capital to support new productive forces [7].

Core Viewpoint - Zijin Bank is committed to high-quality development while focusing on serving agriculture, small and micro enterprises, and urban-rural integration, demonstrating its long-term dedication to local economic growth [1][2]. Financial Performance - In 2024, Zijin Bank achieved an operating income of 4.463 billion yuan and a net profit of 1.624 billion yuan, both showing stable growth year-on-year [2]. - As of the end of 2024, the total assets of Zijin Bank reached 269.944 billion yuan, an increase of 22.280 billion yuan, or 9.00%, from the beginning of the year [2]. - The bank's deposit balance was 209.965 billion yuan, up 13.191 billion yuan, or 6.70%, while the loan balance reached 188.852 billion yuan, increasing by 11.630 billion yuan, or 6.56% [2]. - By the end of Q1 2025, total assets surpassed 280 billion yuan, reaching 280.254 billion yuan, with a Q1 operating income of 1.141 billion yuan and a net profit of 422 million yuan, reflecting a year-on-year growth of 4.04% [2]. Strategic Focus - Zijin Bank maintains its strategic focus on "supporting agriculture, small and micro enterprises, and practical services," with a strong emphasis on inclusive finance [3][7]. - The bank's inclusive small and micro enterprise loan balance reached 34.845 billion yuan, with a growth rate of 6.96%, exceeding the average loan growth rate [3]. - The average interest rate for newly issued inclusive small and micro loans was 4.73%, a decrease of 39 basis points from the previous year [3]. Innovation and Development - Zijin Bank is enhancing its technological finance capabilities, having served 1,710 technology-based enterprises with a total credit amount of 9.5 billion yuan [3]. - The bank has also made significant strides in green finance, with a green loan balance exceeding 14 billion yuan, an increase of 2.06 billion yuan, or 16.81% [4]. - The bank's innovative products, such as "Tongshang e-loan" and "Elite Time Loan," have seen substantial growth, with net increases of 1.06 billion yuan and 2.3 billion yuan, respectively [4]. Risk Management - Zijin Bank has maintained a stable asset quality, with a non-performing loan ratio of 1.24% and a provision coverage ratio of 201.44% [11]. - The bank has implemented comprehensive risk management measures, including enhanced credit risk management and regular training for employees on risk identification [11]. Brand Recognition - Zijin Bank's brand image has improved significantly, ranking 486th in the global banking rankings by The Banker and receiving multiple awards for corporate governance and ESG performance [12].