苏州银行回归金融本源，稳健发展锚定金融为民
Bank of Suzhou returns to the essence of finance, and its stable development is anchored in serving the people through finance.
【环球网财经综合报道】4月28日晚，苏州银行发布2024年年报和2025年一季报，近15个月经营发展成果全面亮相。苏州银行紧跟时代发展步伐，始终坚持党的领导，立足区域经济发展大局，坚定“以客户为中心”的一体化经营战略，“科创+跨境”“民生+财富”双引擎强劲发力，保持稳中有进、进而有为的良好发展态势。
【Global Times Financial Comprehensive Report】On the evening of April 28, Bank of Suzhou released its 2024 annual report and 2025 first-quarter report, fully showcasing its operational and development achievements over the past 15 months. Keeping pace with the times, Bank of Suzhou has always adhered to the Party's leadership, based itself on the overall development of the regional economy, and firmly implemented the customer-centered integrated business strategy. Driven by the twin engines of "technology innovation + cross-border" and "livelihood + wealth", it has maintained a good development trend of steady progress and proactive advancement.
稳健长行擦亮发展底色，资产规模再上新台阶
Steady and Sustained Growth Polishes the Development Foundation, with Asset Scale Reaching a New Level
2024年，面对市场快速变化、竞争日趋激烈的种种挑战，苏州银行迎难而上、稳步前行。该行总资产、存款、贷款增速均保持较快发展态势，存款增量创历年新高，在江苏、苏州市场份额中，存款占比分别提升0.18、0.74个百分点。截至2024年末，苏州银行资产总额6937.14亿元，较上年末增加918.73亿元，增幅15.27%；各项存款4169.65亿元，较上年末增加531.44亿元，增幅14.61%；各项贷款3333.59亿元，较上年末增加399.58亿元，增幅13.62%。同时，该行保持良好经营效益，2024年度，实现营业收入122.24亿元，比上年同期增长3.58亿元，增幅3.01%；实现净利润52.73亿元，比上年同期增长4.76亿元，增幅9.92%；实现归属于母公司股东的净利润50.68亿元，比上年同期增长4.68亿元，增幅10.16%；基本每股收益1.31元/股，较上年同期增长0.09元/股，增幅7.38%；加权平均净资产收益率11.68%，持续稳定在较好水平。
In 2024, facing challenges such as rapid market changes and increasingly fierce competition, Bank of Suzhou (rose to the challenge) and advanced steadily. The bank maintained a rapid growth trend in total assets, deposits, and loans. The increment of deposits hit a record high over the years. In the market share of Jiangsu and Suzhou, the proportion of deposits increased by 0.18 and 0.74 percentage points respectively.As of the end of 2024, the total assets of Bank of Suzhou reached 693.714 billion yuan, an increase of 91.873 billion yuan or 15.27% from the end of the previous year; various deposits were 416.965 billion yuan, an increase of 53.144 billion yuan or 14.61%; various loans were 333.359 billion yuan, an increase of 39.958 billion yuan or 13.62%.Meanwhile, the bank maintained good operating benefits. In 2024, it achieved an operating income of 12.224 billion yuan, an increase of 358 million yuan or 3.01% over the same period of the previous year; realized a net profit of 5.273 billion yuan, an increase of 476 million yuan or 9.92%; achieved a net profit attributable to shareholders of the parent company of 5.068 billion yuan, an increase of 468 million yuan or 10.16%; the basic earnings per share was 1.31 yuan/share, an increase of 0.09 yuan/share or 7.38% over the same period of the previous year; the weighted average return on net assets was 11.68%, remaining stably at a good level.
进入2025年，苏州银行依然保持良好发展势头。截至2025年3月末，该行资产总额突破7000亿元大关，达到7271.54亿元，较年初增加334.40亿元，增幅4.82%；各项存款4630.14亿元，较年初增加460.49亿元，增幅11.04%；各项贷款3628.90亿元，较年初增加295.31亿元，增幅8.86%。2025年一季度，该行实现营业收入32.50亿元，同比增长0.76%；实现净利润16.10亿元，同比增长6.95%；实现归属于上市公司股东的净利润15.54亿元，同比增长6.80%。
In 2025, Bank of Suzhou has continued to maintain a positive development momentum. As of the end of March 2025, the bank's total assets exceeded the 700-billion-yuan threshold, reaching 727.154 billion yuan, an increase of 33.440 billion yuan or 4.82% from the beginning of the year; various deposits amounted to 463.014 billion yuan, an increase of 46.049 billion yuan or 11.04%; various loans stood at 362.890 billion yuan, an increase of 29.531 billion yuan or 8.86%. In the first quarter of 2025, the bank achieved an operating income of 3.250 billion yuan, a year-on-year increase of 0.76%; realized a net profit of 1.610 billion yuan, a year-on-year increase of 6.95%; and achieved a net profit attributable to shareholders of the listed company of 1.554 billion yuan, a year-on-year increase of 6.80%.
值得注意的是，得益于稳健经营和良好发展态势，同时积极响应证监会号召，苏州银行保持对股东的良好回报，现金分红比例或将连续5年超过30%。据该行年报披露，拟向权益分派股权登记日登记在册的普通股股东派发2024年度现金股利，每10股派发现金股利2.0元（含税），2024年中期每10股已派发现金股利2.0元（含税），全年合计派发现金股利16.47亿元（含税），占本年度合并报表中归属于母公司普通股股东净利润的34.07%。2024年度该行利润分配方案预案将提呈股东会审议。
It is worth noting that thanks to its steady operations and positive development momentum, and in active response to the call of the China Securities Regulatory Commission, Bank of Suzhou has maintained a good return to shareholders, with the cash dividend ratio expected to exceed 30% for five consecutive years. According to the bank's annual report, it plans to distribute a cash dividend for 2024 to common shareholders registered on the equity distribution record date, with a cash dividend of 2.0 yuan (inclusive of tax) per 10 shares. In the middle of 2024, a cash dividend of 2.0 yuan (inclusive of tax) per 10 shares had been distributed, with the annual total cash dividend amounting to 1.647 billion yuan (inclusive of tax), accounting for 34.07% of the net profit attributable to common shareholders of the parent company in the current year's consolidated financial statements. The profit distribution plan for 2024 will be submitted to the shareholders' meeting for deliberation.
科技赋能筑牢风控防线，经营质效稳步提升
Technology Empowers Risk Control to Build a Solid Defense Line, and Operational Quality and Efficiency are Steadily Improved
商业银行的本质是经营风险，苏州银行坚持在管理风险中创造价值，围绕“四进四防”目标，构建“全口径、全覆盖、全流程、全周期”的全面风险管理体系。依托数字化转型，加快完善智能风控体系建设，上线新综合信贷系统，升级大数据预警，优化风控模型，建设知识图谱平台。通过加强资产质量管控，不断提高数字化风险监测与管理水平，该行资产质量持续向好。截至2024年末，该行不良贷款率0.83%，创上市以来新低，自2018年以来已实现“六连降”；拨备覆盖率483.50%，持续保持较厚的风险抵补能力；核心一级资本充足率为9.77%，一级资本充足率为11.78%，资本充足率为14.87%，各项资本充足率指标均符合监管要求和该行资本规划管理目标。
As the essence of commercial banks lies in risk management, Bank of Suzhou adheres to creating value through risk management, and builds a comprehensive risk management system featuring "full-caliber, full-coverage, full-process and full-cycle" around the goal of "four advancements and four preventions". Relying on digital transformation, it has accelerated the improvement of the intelligent risk control system, launched a new comprehensive credit system, upgraded big data early warning, optimized risk control models, and built a knowledge graph platform. By strengthening asset quality control and continuously improving digital risk monitoring and management capabilities, the bank's asset quality has continued to improve.As of the end of 2024, the bank's non-performing loan ratio was 0.83%, a new low since its listing and achieving "six consecutive declines" since 2018; the provision coverage ratio was 483.50%, maintaining a relatively strong risk compensation capability; the core tier 1 capital adequacy ratio was 9.77%, the tier 1 capital adequacy ratio was 11.78%, and the capital adequacy ratio was 14.87%. All capital adequacy indicators met regulatory requirements and the bank's capital planning management objectives.
具体来看，资产端，苏州银行以金融“五篇大文章”为指引，立足长三角一体化，聚焦江苏“1650”和苏州“1030”产业体系建设，持续加大对实体经济支持力度，加强对制造业企业、科创企业和绿色金融贷款的投放力度，有效落实减费让利，进一步提高服务实体经济质效，以金融活水润泽经济活力。截至2024年末，该行公司贷款本金2414.83亿元，较上年末增加454.82亿元，增幅23.21%。负债端，公司存款方面，该行全面践行一体化经营策略，从客群、渠道、产品、服务等方面，全面推动公司负债业务发展。截至2024年末，该行公司存款本金1935.51亿元，较上年末增加152.81亿元，增幅8.57%。个人存款方面，通过产品升级、优化服务、公私联动、紧跟市场、灵活调价、分城施策、差异化经营等策略，多措并举推动个人存款量质并进。截至2024年末，该行个人存款本金2234.13亿元，较上年末增加378.64亿元，增幅20.41%。
Specifically, on the asset side, guided by the financial "Five Major Articles" and based on the integrated development of the Yangtze River Delta, Bank of Suzhou focuses on the construction of Jiangsu's "1650" and Suzhou's "1030" industrial systems, continuously increases support for the real economy, strengthens the investment in manufacturing enterprises, sci-tech innovation enterprises, and green financial loans, effectively implements fee reduction and profit concession, and further improves the quality and efficiency of serving the real economy, so as to nourish economic vitality with financial resources. As of the end of 2024, the bank's corporate loan principal was 241.483 billion yuan, an increase of 45.482 billion yuan or 23.21% from the end of the previous year. On the liability side, in terms of corporate deposits, the bank has comprehensively implemented an integrated business strategy, comprehensively promoting the development of corporate liability business in terms of customer groups, channels, products, services, etc. As of the end of 2024, the bank's corporate deposit principal was 193.551 billion yuan, an increase of 15.281 billion yuan or 8.57% from the end of the previous year. In terms of personal deposits, through strategies such as product upgrading, service optimization, public-private linkage, following the market, flexible price adjustment, city-specific policies, and differentiated operations, the bank has taken multiple measures to promote the simultaneous improvement of the quantity and quality of personal deposits. As of the end of 2024, the bank's personal deposit principal was 223.413 billion yuan, an increase of 37.864 billion yuan or 20.41% from the end of the previous year.
再看2025年一季度，苏州银行依然保持良好经营质效。截至一季度末，该行不良贷款率0.83%，拨备覆盖率447.20%，资产质量持续保持在稳定水平；核心一级资本充足率9.80%，一级资本充足率11.62%，资本充足率14.54%；流动性比例89.72%，流动性覆盖率145.69%。各项指标符合监管要求，处于稳健合理水平。
Looking at the first quarter of 2025, Bank of Suzhou still maintained good operational quality and efficiency. As of the end of the first quarter, the bank's non-performing loan ratio was 0.83%, the provision coverage ratio was 447.20%, and asset quality continued to remain at a stable level; the core tier 1 capital adequacy ratio was 9.80%, the tier 1 capital adequacy ratio was 11.62%, and the capital adequacy ratio was 14.54%; the liquidity ratio was 89.72%, and the liquidity coverage ratio was 145.69%. All indicators met regulatory requirements and were at a stable and reasonable level.
“三驾马车”驱动协同发力，高效赋能一体化经营
The "Three-Pronged Approach" Drives Synergistic Efforts to Efficiently Empower Integrated Operations
2024年是苏州银行新三年战略规划的开局之年，该行在一体化经营战略指引下，全面推进各项改革举措，各板块发展协同联动、积厚成势。
In 2024, the first year of Bank of Suzhou's new three-year strategic plan, the bank comprehensively promoted various reform measures under the guidance of the integrated business strategy, with collaborative linkage and accumulating momentum in the development of each business segment.
公司业务板块聚焦“科创+跨境”。科创金融方面，围绕科创企业全方位需求，打造“伴飞”品牌系列产品，推出“伴飞贷”“伴飞e贷”“伴飞主动贷”“伴飞精英贷”“伴飞并购贷”“伴飞项目贷”六大自营重点产品；开发“苏心科创力”专属评价模型，构建差异化科创客群服务体系，融合科技赋能金融；培育管家式金融服务“新生态”，打造“伴飞计划”“展翅计划”“领航计划”三大金融支持计划，形成全客户需求管理、全生命周期管理、全生态资源管理的整体布局。截至2024年末，该行合作科创企业客户数超12000家，科创企业授信总额超1200亿元。跨境金融方面，为区域内进出口企业提供“汇智赢”一站式服务，全方位满足客户多元化需求，2024年该行国际结算量突破168亿美元，较上年实现翻番。贸易融资服务全面升级，推动贸易融资产品线上化，全年外币融资发生额同比增长286%。通过提供远期结售汇、掉期、期权等综合保值策略，帮助企业有效应对境内外金融市场波动风险，全年外汇衍生品签约量同比增长340%。聚焦客户需求和区域创新，通过多元场景构建、系统功能迭代和代理行网络拓展，跨境人民币实收实付结算量突破192亿元，同比增长209%，实现业务规模与质量的同步提升。
In the corporate business segment, the bank focuses on "technology innovation + cross-border" services. In terms of sci-tech innovation finance, centering on the comprehensive needs of sci-tech innovation enterprises, it has created the "Banfei" brand series of products, launching six key self-operated products including "Banfei Loan", "Banfei e-Loan", "Banfei Initiative Loan", "Banfei Elite Loan", "Banfei M&A Loan", and "Banfei Project Loan". It has developed the exclusive "Suxin Sci-Tech Innovation Ability" evaluation model, established a differentiated service system for sci-tech innovation customer groups, and integrated technology to empower financial services. Additionally, it has cultivated a "new ecosystem" of butler-style financial services, created three financial support plans—"Banfei Plan", "Wings Plan", and "Pilot Plan"—forming an overall layout for full customer demand management, full lifecycle management, and full ecological resource management. As of the end of 2024, the bank has cooperated with over 12,000 sci-tech innovation enterprise customers, with the total credit amount for sci-tech innovation enterprises exceeding 120 billion yuan. In cross-border finance, it provides "Huizhiying" one-stop services for import and export enterprises in the region to fully meet customers' diversified needs. In 2024, the bank's international settlement volume exceeded 16.8 billion U.S. dollars, doubling from the previous year. Trade finance services were comprehensively upgraded, and trade finance products were promoted online, with the annual foreign currency financing amount increasing by 286% year on year. By providing comprehensive hedging strategies such as forward foreign exchange settlement and sale, swaps, and options, it helped enterprises effectively respond to the risks of fluctuations in domestic and foreign financial markets, with the annual foreign exchange derivative contract volume increasing by 340% year on year. Focusing on customer needs and regional innovation, through the construction of multiple scenarios, system function iteration, and expansion of the correspondent bank network, the cross-border RMB actual receipt and payment settlement volume exceeded 19.2 billion yuan, increasing by 209% year on year, achieving simultaneous improvement in business scale and quality.
零售业务板块聚焦“民生+财富”。民生金融方面，全新推出零售金融服务品牌— “苏心零售”，并不断完善“苏心”民生金融生态圈。深耕养老金融，打造“苏心康养”特色养老金融服务品牌，积极开展省三代社保卡和尊老卡发卡，推动社银、医银、税银等政务平台系统建设优化，做好养老金和尊老金发放服务。截至2024年末，三代社保卡累计发卡超470万张，尊老卡发卡近35万张。持续完善“一卡一贷一平台”人才服务模式及人才企业综合服务体系，拓宽人才服务范围，截至2024年末，该行已实现发卡覆盖苏州10个区县及江苏省7个地级市，累计发卡超 2万张，服务人才企业超2500家。财富管理方面，秉持“客户至上、专业为本”理念，深入洞察市场、精研产品矩阵，围绕市民百姓投资需求，布局养老金融，引入并成功代销相关产品并成为储蓄国债承销团新成员；悉心打造“苏心财富”体系品牌，成功打造518财富节和双十一财富节，精选理财产品开展财富节营销活动。
In the retail business segment, the bank focuses on "livelihood + wealth" services. In terms of livelihood finance, it has newly launched the retail financial service brand "Suxin Retail" and continuously improved the "Suxin" livelihood financial ecosystem. It has deeply cultivated pension finance, created the characteristic pension financial service brand "Suxin Kangyang", actively issued the third-generation social security cards and senior citizen cards of the province, promoted the construction and optimization of government affairs platform systems such as social security-bank, medical-bank, and tax-bank, and done a good job in the distribution of pension and senior citizen funds. As of the end of 2024, the cumulative number of third-generation social security cards issued has exceeded 4.7 million, and the number of senior citizen cards issued is nearly 350,000. It has continuously improved the talent service model of "one card, one loan, one platform" and the comprehensive service system for talent enterprises, and expanded the scope of talent services. As of the end of 2024, the bank has achieved card issuance covering 10 districts and counties in Suzhou and 7 prefecture-level cities in Jiangsu Province, with (cumulative card issuance) of more than 20,000 and serving more than 2,500 talent enterprises. In terms of wealth management, adhering to the concept of "customer first, professionalism-oriented", it deeply insight into the market, carefully studies the product matrix, lays out pension finance around the investment needs of citizens, introduces and successfully sells related products, and becomes a new member of the savings treasury bond underwriting group. It has carefully created the "Suxin Wealth" system brand, successfully built the 518 Wealth Festival and Double Eleven Wealth Festival, and selected wealth management products to carry out wealth festival marketing activities.
金融市场板块聚焦核心能力建设。投资交易业务，深耕投研专业能力建设，把握配置节奏，作为国债及地方债承销团团员积极履行团员义务，助力发行工作。同业业务，秉承“轻资本、轻资产”的经营理念，持续调优资产结构，优化客户合作生态。助力该行资本补充，夯实稳健发展根基，2024年成功发行30亿元无固定期限资本债券和75亿元商业银行金融债（其中30亿元专用于新质生产力领域投放）。资产管理业务，打造多元化理财产品矩阵，量身定制机构专属理财方案，紧抓市场机遇，精进投管能力，强化内部控制管理，依托全方位、立体化风险管理体系对各类风险进行全流程、全覆盖管控。资产托管业务，充分发挥资产托管的全行性平台工具作用，实现托管业务稳健发展。持续推进包括自动化估值平台、智能指令处理平台、运营质控平台等数字化平台建设，强化数字化服务能力。截至2024年末，该行资产托管规模2325.57亿元。
The financial market sector focuses on core capacity building. In the investment and trading business, we have been deeply engaged in the professional capacity building of investment and research, grasped the rhythm of allocation, and actively fulfilled the obligations of the members as a member of the underwriting group of national bonds and local bonds to help the issuance work. Adhering to the business philosophy of "light capital and light assets", the interbank business continues to optimize the asset structure and optimize the customer cooperation ecology. In 2024, the bank successfully issued 3 billion yuan of open-ended capital bonds and 7.5 billion yuan of commercial bank financial bonds (of which 3 billion yuan was earmarked for investment in the field of new productivity). In the asset management business, we have created a diversified wealth management product matrix, tailored exclusive financial management plans for institutions, seized market opportunities, improved investment management capabilities, strengthened internal control and management, and relied on a comprehensive and three-dimensional risk management system to control all kinds of risks in the whole process and full coverage. In the asset custody business, we gave full play to the role of asset custody as a bank-wide platform tool to achieve the steady development of the custody business. We will continue to promote the construction of digital platforms including automated valuation platforms, intelligent instruction processing platforms, and operation quality control platforms, and strengthen digital service capabilities. As of the end of 2024, the bank's asset custody scale is 232.557 billion yuan.
作为江苏省法人上市城商行，苏州银行始终践行金融工作的政治性和人民性，在三年战略规划的承启之年，该行将如何贯彻“苏心让您舒心”的品牌理念，书写“苏式”金融高质量发展新篇章，我们将持续关注。（一言）
As a listed city commercial bank and legal entity in Jiangsu Province, Bank of Suzhou has always practiced the political nature and people-oriented principle of financial work. In the year connecting the three-year strategic plans, how will the bank implement the brand concept of "Suxin Makes You Comfortable" and write a new chapter of high-quality "Suzhou-style" financial development? We will continue to pay attention.
