近日，贵州银行交出2025年上半年的成绩单。 从经营数据来看，这家贵州省省内首家在香港联交所主板上市的城商行，上半年表现颇为稳健：实现营 收、净利润"双增"、资产规模突破6000亿元、净息差逆势上升、数智融合迈入新阶段…… 同时，作为赋能地方经济发展的坚实力量，贵州银行半年报中展现的每个突破、每笔增长，均与贵州现 代化产业体系建设息息相关。该行表示，将始终秉持"用心的银行"服务理念，"用心"也成为其深耕黔中 大地、服务区域高质量发展离不开的关键词。 营收净利润"双增" 在资、负两端共同发力下，贵州银行核心盈利指标净息差企稳，6月末，该行净息差同比提升0.22个百 分点至1.90%。同时，成本收入比同比下降1.37个百分点至24.25%。 资产质量方面，半年报显示，贵州银行不良贷款率以及关注类贷款占比均较年初有所下降。其中，不良 贷款率较年初下降0.03个百分点至1.69%；关注类贷款占比较年初下降0.09个百分点。6月末，该行拨备 覆盖率较年初提升15.89个百分点至331.87%，风险抵御能力进一步增强。 用心书写"五篇大文章" 2023年，中央金融工作会议指出，要做好科技金融、绿色金融、普惠金融、养老金融 ...

Core Viewpoint - Guizhou Bank reported stable performance in the first half of 2025, achieving growth in both revenue and net profit, with a focus on expanding its rural market and enhancing digital transformation efforts [1][5]. Financial Performance - In the first half of 2025, Guizhou Bank's revenue reached 6.102 billion yuan, a year-on-year increase of 2.26%, while net profit grew by 0.31% to 2.129 billion yuan [1]. - The bank's asset scale surpassed 600 billion yuan for the first time, totaling 603.747 billion yuan as of June 30, 2025, reflecting a year-to-date increase of 137.6 billion yuan or 2.33% [3]. - The loan total reached 364.347 billion yuan, with a growth of 172.62 billion yuan or nearly 5% since the beginning of the year [3]. - The deposit total was 392.731 billion yuan, increasing by 177.29 billion yuan or 4.73% [3]. - The non-performing loan ratio decreased by 0.03 percentage points to 1.69%, and the provision coverage ratio improved by 15.89 percentage points to 331.87% [3]. Digital Transformation - Guizhou Bank aims to become a "smart regional bank," emphasizing digital transformation through data and technology [6]. - The bank has successfully launched several digital initiatives, including a Harmony OS mobile banking app and an AI credit assistant, enhancing operational efficiency [7][8]. - The bank has also implemented a private cloud deployment for its core trading system and introduced a large model platform for various applications, improving customer experience and operational efficiency [8]. Support for Regional Development - Guizhou Bank is committed to supporting the province's "14th Five-Year Plan," focusing on high-quality development and modernization in various sectors [10]. - As of June 30, 2025, the bank has provided significant loans to support new industrialization (36.199 billion yuan), urbanization (149.814 billion yuan), tourism (23.001 billion yuan), and agricultural modernization (32.411 billion yuan) [10]. - The bank has increased its lending to rural areas, with agricultural modernization loans growing by 32.21 billion yuan or over 11% since the beginning of the year [11].

Core Viewpoint - Guizhou Bank has demonstrated steady growth in its mid-year performance for 2025, with total assets exceeding 600 billion yuan and a focus on serving the real economy through various financial initiatives [1][2][3][4][5][6] Financial Performance - As of June 30, 2025, Guizhou Bank's total assets reached 603.75 billion yuan, a 2.33% increase from the beginning of the year [1] - The bank reported operating income of 6.102 billion yuan and a net profit of 2.129 billion yuan, reflecting year-on-year growth of 2.26% and 0.31% respectively [1] - The net interest margin improved by 0.22 percentage points to 1.90%, indicating strong operational resilience [1] Service to the Real Economy - Guizhou Bank has actively engaged in five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, achieving significant results [2][3][4] - In technology finance, the bank's loan balance reached 9.812 billion yuan, with a year-on-year increase of 21.57% [2] - The green finance loan balance was 61.293 billion yuan, growing by 4.4% from the start of the year [2] - Inclusive finance efforts supported 58,500 clients, with a loan balance of 54.067 billion yuan [3] - Pension finance loans increased by 57.22% to 1.621 billion yuan [3] - Digital finance loans reached 4.005 billion yuan, marking a 28.57% increase [3] Digital Transformation - Guizhou Bank has prioritized digital transformation as a key driver for high-quality development, integrating it with the five key areas of focus [4][5][6] - The bank has made significant advancements in data governance and standardization, enhancing its data-driven decision-making capabilities [4] - The implementation of an intelligent risk control system has improved risk management, with a non-performing loan ratio of 1.69%, down 0.03 percentage points from the beginning of the year [5] - The bank has deployed artificial intelligence technologies to enhance operational efficiency, with over 4,300 users served by its intelligent Q&A system [6] Future Outlook - Guizhou Bank aims to continue its digital transformation, enhancing its service model, operational capabilities, and risk management to support the high-quality development of the local economy [6]

Core Viewpoint - Guizhou Bank has achieved significant growth in various financial services, particularly in supporting small and micro enterprises, green finance, and pension finance, demonstrating its commitment to empowering the real economy and enhancing financial inclusivity [1][6][10]. Group 1: Financial Support for Innovation and Small Enterprises - Guizhou Bank has tailored its financial services to meet the needs of technology innovation enterprises, with a technology finance loan balance of 9.812 billion yuan, reflecting a growth of 21.57% compared to the beginning of the year [2]. - The bank has implemented a "1771" inclusive finance model, which has provided 1.8864 billion yuan in loans to 18,864 small and micro enterprises, enhancing their operational capabilities [6]. - Specific case studies, such as the support for Guizhou Fengda Bearing Co., demonstrate the bank's proactive approach in providing customized financing solutions to alleviate cash flow pressures [7][8]. Group 2: Green Finance Initiatives - Guizhou Bank has actively promoted green finance, with a green credit balance of 61.293 billion yuan, an increase of 4.4% from the start of the year [4]. - The bank has successfully facilitated loans for green projects, such as providing 1.309 billion yuan in green loans to support the aluminum industry in transitioning to cleaner production methods [5]. - The bank's efforts in green finance are exemplified by its collaboration with companies like Guizhou Qizhen Industrial Group, where it provided 20 million yuan in loans backed by intellectual property [4]. Group 3: Pension Finance Development - The bank has significantly increased its pension finance loan balance to 1.621 billion yuan, marking a growth of 57.22% since the beginning of the year [8]. - Guizhou Bank has implemented "age-friendly services" to cater to the elderly population, ensuring that financial services are accessible and tailored to their needs [9]. - The bank's initiatives include providing timely loans to support the operational needs of elder care facilities, demonstrating its commitment to the aging population [9]. Group 4: Digital Transformation and Innovation - Guizhou Bank has focused on digital transformation, achieving a digital economy loan balance of 4.005 billion yuan, with a growth rate of 28.57% [10]. - The bank has developed a domestic mobile banking platform to enhance service delivery and customer experience [10]. - The application of AI technology has been a key driver in the bank's digital transformation, with significant user engagement in AI-driven services [11][12].

Core Viewpoint - Suzhou Bank has demonstrated a steady growth trajectory amidst complex domestic and international environments, focusing on digital transformation to enhance risk management, operational efficiency, and business innovation, ultimately aiming for high-quality development [1]. Group 1: Financial Performance - As of the end of Q1 2025, Suzhou Bank's total assets exceeded 700 billion yuan, with a low non-performing loan ratio of 0.83% and a provision coverage ratio of 447.20% [3]. - The bank's core Tier 1 capital adequacy ratio stands at 9.80%, while the overall capital adequacy ratio is 14.54%, indicating a solid capital position [3]. Group 2: Risk Management - Suzhou Bank has established a comprehensive risk management system that integrates data-driven approaches to enhance risk identification and control, achieving a unified credit system that improves efficiency and customer experience [2][3]. - The bank has implemented automated approval products such as "票链贷" and "快抵贷," which optimize risk monitoring and management capabilities [3]. Group 3: Digital Transformation - The bank is enhancing its digital service offerings, including the launch of the Su-Pay 2.0 product for foreign cardholders and a robust digital RMB service system, leading to a transaction volume of nearly 450 billion yuan [6]. - Suzhou Bank's mobile banking user base reached 5.97 million by the end of 2024, reflecting a growth of 7.32% year-on-year, with significant enhancements in user experience and service personalization [7]. Group 4: Customer Engagement - The bank has developed a multi-channel customer engagement strategy, utilizing AI and various digital platforms to improve service delivery and operational efficiency [4][5]. - The enterprise mobile banking user base grew by 26.51% to 64,900, with a notable increase in services tailored for corporate executives [8].