【环球网财经综合报道】在金融服务民生的赛道上，银行如何真正读懂百姓需求？苏州银行用"以民唯美、向实而行"的实践给出了答案。从2025年上半年的 发展轨迹中，不难发现其服务民生的"三重逻辑"——每一层都藏着对百姓生活的细致洞察，每一步都踩着民生需求的节拍。 面对多元化的民生需求，金融服务如何实现从"普适化"到"个性化"的跨越？苏州银行借助金融科技深化客户画像分析，基于年龄、职业、消费习惯等多维度 数据，为不同客群定制服务方案。 在养老金融领域，"苏心康养"服务体系给出了答案：随着老龄化社会的加速到来，养老需求日益增长且呈现多样化趋势。苏州银行通过深度链接养老产业资 源，引入适老化生活服务权益，为老年客户提供诸如健康管理、养老社区咨询、老年旅游等特色服务，有效激发了银发经济产业活力。同时，为满足老年客 户稳健投资的需求，精心推出"稳收益、低风险"专属金融产品，帮助老年客户实现资产的保值增值，累计为超210万名老年客户提供金融服务，管理金融资 产超1800亿元。此外，苏州银行还持续开展"宜学宜游""幸福观影"等主题康养活动，丰富了老年客户的精神文化生活，构建起全方位的"金融+场景"服务体 系，以高品质服务助推银发经 ...

来源：@证券市场红周刊微博 资产规模突破7500亿元，较上年末增长8.83%；各项存款4627.52亿元、各项贷款3634.97亿元，分别较 上年末增长10.98%、9.04%；实现营收65.04亿元、归母净利润31.34亿元，不良率0.83%……这是苏州银 行交出的一份稳中有进的2025年半年报成绩单。 科创金融：陪伴科技型企业全生命周期成长 苏州作为全国重要的科技创新高地，拥有丰富的科创资源和活跃的创新氛围。苏州银行立足本土，敏锐 捕捉科创金融发展机遇，围绕 "科创" 战略，打造了一套完善的科创金融服务体系，陪伴科技型企业从 初创期到成熟期的全生命周期成长。 解剖麻雀，无论战略故事讲得多好，做出业绩的背后依然要靠风控能力这个"压舱石"，以及业务布局形 成的"成长劲"。 拆开"保险箱"：0.83% 不良率背后的"钝感力" 对于银行而言，资产质量是生命线，风控能力则是确保资产质量的关键所在。可以看出，当市场行情普 遍承压，不少银行不良率出现上浮之际，苏州银行的不良数据则呈现了一定的"钝感力"。 截至2025年6月末，苏州银行不良贷款率0.83%，拨备覆盖率437.91 %，拨贷比3.63%，资产质量持续保 持 ...

Core Viewpoint - Suzhou Bank demonstrates notable operational highlights amidst economic adjustments, driven by a customer-centric integrated business strategy that emphasizes long-term value and collaboration [1] Group 1: Business Strategy and Focus Areas - Suzhou Bank adheres to a customer-centric integrated business strategy, deeply rooted in the local area, and focuses on sectors such as technology finance, green finance, inclusive finance, pension finance, and digital finance [2] - The bank aims to support the local economy and enterprises through its "Five Major Articles" initiative, enhancing its service to manufacturing, technology innovation, and green finance sectors [2] - As of the end of 2024, Suzhou Bank has partnered with over 12,000 technology innovation enterprises, with a total credit amount exceeding 120 billion yuan; green loan balance reached 41.23 billion yuan, reflecting a net increase of 11.05 billion yuan, a growth rate of 36.62% [2] Group 2: Financial Services for Small and Micro Enterprises - The bank continues to improve its financial service system for small and micro enterprises, with loans to these enterprises reaching a balance of 67.49 billion yuan, an increase of 8.17 billion yuan year-on-year, and an average interest rate of 3.77% [3] - Suzhou Bank emphasizes digital transformation to enhance asset quality, implementing advanced risk control systems and big data monitoring [3] - The non-performing loan ratio stands at 0.83%, the lowest since its listing, achieving a six-year decline since 2018 [3] Group 3: Retail Banking and Pension Services - Suzhou Bank has launched the "Suxin Retail" brand, focusing on "people's finance" and integrating wealth management and daily life services [4] - The "Suxin Retail" brand includes sub-brands such as "Suxin Wealth," "Suxin Life," "Suxin Health," and "Suxin Loan," with "Suxin Health" being a key component of its pension finance strategy [5] - The bank has issued over 4.7 million social security cards and nearly 350,000 senior citizen cards, serving 4.5 million pension clients and 2.8 million senior citizen clients annually [5] Group 4: Integrated Operations and Financial Performance - Suzhou Bank's integrated operations are gaining momentum, with the establishment of a comprehensive operational framework and the successful opening of its Xuzhou branch [6] - In 2024, the bank achieved a net profit of 5.068 billion yuan, an increase of 468 million yuan year-on-year, representing a growth rate of 10.16%; basic earnings per share reached 1.31 yuan, up 0.09 yuan year-on-year, a growth rate of 7.38% [6] - The weighted average return on equity remains stable at 11.68%, indicating strong financial health [6]

A股市场中，一些有特色的城商行的投资价值正日益受到各方关注。苏州银行就是其中一家。 在最新公布的苏州银行2024年报和2025年一季报中，苏州银行体现出的营收能力、业绩韧性、资产质 量，回报投资者的态度可以说是"亮点纷呈"。 简述几个行业里只有少数机构能达到的核心指标： 1、苏州银行2024年和2025年1季度连续实现营业收入和归母净利润的同时正增长。其中2024年归母净利 润增速超10%，在42家A股上市银行中排名第11位；2025年1季度增速6.80%，在42家A股上市银行中排 名第8位。 2、苏州银行的不良贷款率自2018年以来实现"六连降"，2024年末达到上市以来新低的0.83%，同期，该 行的拨备覆盖率也达到483.50%的行业一流水平，资产质量持续夯实，显示了公司经营和风控能力扎实 到位。 3、苏州银行可能是业内最重视股东回报的银行之一，算上2024年末拟分配的现金股利，苏州银行的现 金分红比例已连续五年超过30%，处于业内领先水平。 业绩表现好、资产质量佳、股东回报意愿强。以此来对照，过去一年里，机构股东和高管层纷纷大手笔 增持该行，以"真金白银"表现出的信心，就有了更完整、更全面的逻辑解析。 ...

Core Viewpoint - Suzhou Bank aims to enhance its service to the real economy and improve customer-centric integrated operations through its new three-year strategic plan starting in 2024, emphasizing high-quality financial practices and innovation [1] Group 1: Financial Support for Real Economy - Suzhou Bank is committed to supporting the real economy by implementing a "6+1+O" model for science and technology financial services, focusing on innovation and green finance [2] - The bank has introduced a series of financial products tailored for science and technology enterprises, including "伴飞贷" and "伴飞e贷," to meet various operational needs [3] - As of the end of 2024, the bank has partnered with over 12,000 science and technology enterprises, with a total credit amount exceeding 1,200 billion [3] Group 2: Green Finance Initiatives - Suzhou Bank is actively exploring new pathways for financial support towards green and low-carbon development, contributing to the "dual carbon" goals [4] - The bank has developed a comprehensive product system for green credit, focusing on key areas such as clean energy and ecological protection, with a green loan balance of 41.231 billion, reflecting a 36.62% increase from the beginning of the year [4] Group 3: Financial Services for Livelihood - The bank emphasizes its commitment to "financial services for the people," particularly in the areas of pension finance and talent finance, under the brand concept of "苏心让您舒心" [5] - By the end of 2024, the bank has issued over 4.7 million social security cards and nearly 350,000 senior citizen cards, serving millions in pension-related services [6] - The talent service model has been expanded, with over 20,000 talent cards issued, covering multiple regions and supporting over 2,500 enterprises [7] Group 4: Cross-Border Financial Services - Suzhou Bank is enhancing its cross-border financial services to support high-level openness and foreign trade, implementing a "five-dimensional ten-strategy" approach [8] - The bank has introduced various measures to support foreign trade enterprises, including specialized credit support and innovative supply chain financial services [9] - The bank aims to improve its international market competitiveness by offering a comprehensive suite of services, including cross-border financing and risk management [9] Group 5: Commitment to National Policies - Suzhou Bank is dedicated to aligning its operations with national and local policy directives, enhancing its role in serving the real economy and regional development [10]

Core Insights - Suzhou Bank reported a total asset exceeding 727.1 billion yuan and various deposits of 463.014 billion yuan, with loans amounting to 362.89 billion yuan, achieving a Moody's rating upgrade to investment grade and ranking 253rd globally among banks [1] Group 1: Financial Performance - The bank's total assets reached 727.1 billion yuan, with deposits at 463.014 billion yuan and loans at 362.89 billion yuan [1] - Moody's rating upgrade reflects the bank's improved financial standing and operational performance [1] Group 2: Innovation and Services - Suzhou Bank has facilitated the successful listing of over 30 enterprises in the past three years, utilizing a unique "problem-solving formula" for tech innovation financing [3] - The bank's "GOAI ecosystem" integrates resources from government, investment, and legal sectors to provide comprehensive financial services, including a credit total exceeding 120 billion yuan for over 12,000 tech enterprises [3] - The bank has launched the "Tech Innovation Index Loan," converting intangible assets like patents into financing opportunities [3] Group 3: Strategic Initiatives - The bank focuses on industry research and has developed comprehensive financial service plans to support local economic development, including initiatives for foreign trade and clean energy sectors [4] - Suzhou Bank is actively responding to national policies aimed at expanding domestic demand, launching consumer-friendly financial products [4] Group 4: Customer-Centric Approach - The bank has introduced the "Su Xin" brand service matrix to address the financing challenges faced by small and micro enterprises, with an average lending rate of 3.77% [5] - The "Su Xin Life" platform connects financial services with community needs, boasting over 200 events and 200,000 registered users [5] - The bank has developed specialized financial products for the elderly, enhancing its service offerings for senior citizens [5] Group 5: Overall Development Strategy - Suzhou Bank's strategic focus on regional development and customer-centric services positions it well for sustainable growth amid increasing competition in the banking sector [6]

Core Viewpoint - Suzhou Bank has demonstrated strong operational performance and growth, maintaining a customer-centric integrated business strategy while focusing on regional economic development and innovation-driven financial services [1][3][11]. Group 1: Financial Performance - As of the end of 2024, Suzhou Bank's total assets reached 693.71 billion yuan, an increase of 91.87 billion yuan, or 15.27% year-on-year [3]. - The bank's total deposits amounted to 416.97 billion yuan, up by 53.14 billion yuan, reflecting a growth rate of 14.61% [3]. - Total loans stood at 333.36 billion yuan, with an increase of 39.96 billion yuan, marking a growth of 13.62% [3]. - For 2024, the bank achieved an operating income of 12.22 billion yuan, a year-on-year increase of 3.58 billion yuan, or 3.01% [3]. - Net profit reached 5.27 billion yuan, up by 4.76 billion yuan, representing a growth of 9.92% [3]. - By the first quarter of 2025, total assets surpassed 700 billion yuan, reaching 727.15 billion yuan, with a year-to-date increase of 33.44 billion yuan, or 4.82% [4]. Group 2: Risk Management - Suzhou Bank has established a comprehensive risk management system, achieving a non-performing loan ratio of 0.83% by the end of 2024, the lowest since its listing [7][10]. - The bank's provision coverage ratio was 483.50%, indicating strong risk mitigation capabilities [7]. - Core Tier 1 capital adequacy ratio stood at 9.77%, with total capital adequacy at 14.87%, all meeting regulatory requirements [7]. Group 3: Business Strategy - The bank's integrated business strategy focuses on "Technology + Cross-border" and "Livelihood + Wealth," enhancing support for the real economy and increasing service efficiency [1][11]. - In the technology finance sector, Suzhou Bank has developed a range of products tailored for innovative enterprises, with over 12,000 cooperative clients and a total credit amount exceeding 120 billion yuan [12]. - The retail banking segment has introduced the "Su Xin Retail" brand, focusing on pension finance and wealth management, with significant outreach in social security card issuance [13]. Group 4: Market Position and Shareholder Returns - Suzhou Bank has maintained a cash dividend payout ratio exceeding 30% for five consecutive years, with a proposed cash dividend of 2.00 yuan per 10 shares for 2024 [5]. - The bank's commitment to shareholder returns is reflected in its robust profit distribution plan, with a total cash dividend of 1.647 billion yuan for the year [5].