2025年三季报落下帷幕，苏州银行交出了一份"稳中有进、质效双升"的亮眼答卷。这份成绩单不止是数字的增长，更藏着该行破局城商行同质化竞争的关 键逻辑：以一体化战略为总牵引，靠"科创+跨境""民生+财富"双引擎精准发力，在筑牢风险防线的同时大胆创新突破，既拓宽了自身可持续发展的赛道， 也为城商行高质量发展写下了可复制的实践范本。 面对复杂的宏观环境与激烈的行业竞争，银行该如何保持战略定力穿越经济周期，一直是行业聚焦思考的问题。苏州银行以"一体化经营"布局，构建高效 协同的有机整体，更好应对市场及形势的多重考验。该行深耕苏州本土市场的同时，将服务网络与业务资源在省内高效配置，并通过总分支三级联动、内 外协同，将"特色化发展"与金融"五篇大文章"相结合，将专业能力与客户全生命周期需求相匹配，实现量的合理增长和质的有效提升，打造具有核心竞争 力的一流上市城商行。 截至2025年9月末，该行资产总额7760.40亿元，较年初增加11.87%；各项贷款3685.52亿元，较年初增加10.56%；各项存款4715.15亿元，较年初增加 13.08%。不良贷款率0.83%，拨备覆盖率420.59%，资产质量持续保持稳定。盈利 ...

Group 1: Convenience Logic - Suzhou Bank collaborates with government departments to enhance financial services accessibility, establishing 90 local service windows for social security and employment services [1] - The bank has developed a one-stop insurance service platform for flexible employment groups, streamlining the enrollment and payment processes [1] Group 2: Affordability Logic - Suzhou Bank has launched 10 initiatives under the "Promote Consumption, Benefit People's Livelihood" program, including the "Xinlin Card," which has surpassed 10,000 cards issued in just over five months [2] - The bank offers consumer loans with limits up to 1 million, providing various repayment options to cater to different customer needs, and has issued over 100,000 discount coupons to reduce financing costs [2] Group 3: Precision Logic - The bank utilizes financial technology to create customer profiles based on various data dimensions, tailoring services to meet diverse needs [4] - Suzhou Bank's "Suxin Kangyang" service system addresses the growing and diverse needs of the aging population, managing over 180 billion in financial assets for more than 2.1 million elderly clients [4] Group 4: Youth Services - The "Suxin Future" financial service brand for youth focuses on comprehensive support for their growth and development, collaborating with local universities to enhance educational financing [5] Group 5: Talent Services - Suzhou Bank has established a "One Card, One Loan, One Platform" financial service system for talent, issuing over 23,000 talent cards to support local talent retention and attraction [7] Group 6: Overall Strategy - Suzhou Bank's three-pronged approach focuses on breaking down service barriers through convenience, stimulating consumption through affordability, and matching diverse needs with precision, showcasing a model for high-quality development in financial services [7]