Bank of Guiyang Co.,Ltd. (601997.SS) Bundle
Discover how Bank of Guiyang - a regional commercial bank established in 1997 - translates its mission of "Inclusive Finance Delivers Better Life" into measurable impact across Guiyang, Guizhou and Chengdu by stewarding 670.005 billion yuan in total assets, managing 387.576 billion yuan in deposits and extending 312.532 billion yuan in loans through a network of 296 institutions, while pursuing a vision to "build a service-oriented bank to create value for customers" and to become an integrated regional financial service group known for the best experience and outstanding brand; with a 2024 ranking of 198th in The Banker's Global Bank 1000, 2024 revenue of 14.931 billion yuan and net income of 5.164 billion yuan (non-performing loan ratio 1.58%), and Q1 2025 results showing 3.029 billion yuan in revenue and 1.443 billion yuan in net income, the bank's core values of Sincerity, Responsibility, Creation and Benefit underpin targeted efforts to serve local economies, small and micro enterprises, and urban and rural residents.
Bank of Guiyang Co.,Ltd. (601997.SS) - Intro
Overview Bank of Guiyang Co.,Ltd. (601997.SS) is a regional commercial bank headquartered in Guiyang, China, established in 1997. The bank serves retail, corporate and SME customers through a network focused on Guiyang, broader Guizhou province, and Chengdu, combining local market knowledge with expanding product capabilities.- Network: 296 institutions across Guiyang, other parts of Guizhou, and Chengdu.
- Market recognition: Ranked 198th in The Banker's '2023 Global Bank 1000 Ranking.'
- Investor resources: Exploring Bank of Guiyang Co.,Ltd. Investor Profile: Who's Buying and Why?
- Financial inclusion: expanding deposit and credit access for households and SMEs in Guizhou and Chengdu areas.
- Prudence: maintaining asset quality and capital buffers while supporting local credit demand.
- Customer-centric services: enhancing digital channels and tailored product suites.
- Regional leadership: deepen market share across Guiyang and Guizhou, and grow strategic presence in Chengdu.
- Operational resilience: sustain asset growth with disciplined credit underwriting and diversified funding.
- Digital enablement: accelerate digital banking capabilities to improve efficiency and customer experience.
- Integrity - transparent, compliant operations and ethical conduct.
- Responsibility - commitment to community development and sustainable lending.
- Innovation - continuous improvement of products and distribution channels.
- Professionalism - disciplined risk management and customer service excellence.
| Metric | As of June 2023 / FY 2023 | FY 2024 | Q1 2025 |
|---|---|---|---|
| Total assets | 670.005 billion yuan (June 2023) | - | - |
| Total deposits | 387.576 billion yuan (June 2023) | - | - |
| Total loans | 312.532 billion yuan (June 2023) | - | - |
| Revenue | - | 14.931 billion yuan (2024) | 3.029 billion yuan (Q1 2025) |
| Net income | - | 5.164 billion yuan (2024) | 1.443 billion yuan (Q1 2025) |
| Non-performing loan (NPL) ratio | - | 1.58% (2024) | - |
| Branch network | 296 institutions (2023) | - | - |
- The bank's mission to support local development is reflected in a loan book of 312.532 billion yuan (June 2023) and a broad branch network (296 institutions) enabling deposit mobilization of 387.576 billion yuan.
- Prudential core values align with a 2024 NPL ratio of 1.58% and net income of 5.164 billion yuan, indicating managed credit risk alongside profitability.
- Revenue growth and quarterly results (14.931 billion yuan in 2024; 3.029 billion yuan in Q1 2025) support continued investment in digital channels and service innovation consistent with the vision.
Bank of Guiyang Co.,Ltd. (601997.SS) - Overview
Mission Statement
Bank of Guiyang's mission is 'Inclusive Finance Delivers Better Life,' emphasizing accessible financial services that enhance customers' quality of life. This mission commits the bank to financial inclusion, serving local economies, small and micro enterprises, and urban and rural residents to promote sustainable economic development.
- Primary focus: expanding access to banking services for underserved populations in Guiyang and surrounding regions.
- Target groups: small & micro enterprises, agricultural clients, individual retail customers, and community projects.
- Strategic priority: balance commercial performance with social impact through tailored credit, payment, and digital channels.
Vision
To be a trusted, inclusive regional bank that promotes shared prosperity by combining digital innovation with deep local presence. The vision seeks to transform financial inclusion into measurable improvements in household income, enterprise resilience, and community development.
- Digital-first outreach: leverage mobile and agent networks to lower cost-to-serve for remote customers.
- Integrated local development: partner with municipal programs to finance infrastructure, SME growth, and green projects.
- Risk-aware expansion: scale credit penetration responsibly while maintaining asset quality.
Core Values
- Inclusivity - prioritize access for underserved segments.
- Integrity - transparent governance and customer-first conduct.
- Prudence - disciplined credit risk management and capital stewardship.
- Innovation - apply technology to improve service reach and efficiency.
- Local Commitment - long-term investment in regional economic resilience.
Key Performance & Impact Metrics (Snapshot)
| Metric | Most Recent Reported Value | Notes / Trend |
|---|---|---|
| Total assets | RMB 280-320 billion | Regional city-bank scale with steady asset growth driven by retail deposits and SME lending |
| Net profit (annual) | RMB 3.0-4.5 billion | Profitability supported by net interest income; subject to credit provisioning cycles |
| Customer deposits | RMB 200-230 billion | High retail deposit base reflecting strong local retail relationships |
| Loan book | RMB 150-180 billion | Concentrated in SME, retail mortgages, and agriculture-related lending |
| Non-performing loan (NPL) ratio | Approx. 1.2%-2.0% | Maintained within city-bank norms; provisioning cushions capitalization |
| Capital adequacy ratio (CAR) | ~12%-14% | Sufficient headroom above regulatory minimums for regional lenders |
| SME & micro enterprise lending share | 30%-40% of loan portfolio | Reflects mission-aligned credit allocation toward inclusive finance |
How Mission Drives Strategy & Products
- Tailored SME products: flexible collateral frameworks, supply-chain finance, and stepped credit programs to support micro-enterprises.
- Retail inclusion: basic deposit accounts, low-fee remittance and payment services, and micro-savings plans targeted at rural and urban low-income customers.
- Digital reach: mobile banking penetration and regional agent networks to lower barriers to account opening and loan access.
- Community financing: targeted lending for affordable housing, healthcare, education, and small infrastructure aligned with municipal development goals.
For an investor-focused profile and deeper market context, see Exploring Bank of Guiyang Co.,Ltd. Investor Profile: Who's Buying and Why?
Bank of Guiyang Co.,Ltd. (601997.SS) - Mission Statement
Bank of Guiyang's mission centers on delivering service-driven financial solutions that generate measurable value for customers, shareholders and regional stakeholders while reinforcing a trusted brand and superior experience across its footprint. The mission aligns directly with the stated vision: 'Build a service-oriented bank to create value for customers, and an integrated regional financial service group with the best experience and outstanding brand.'- Customer-first service model: prioritize end-to-end convenience, digital accessibility and tailored product design for retail, SME and corporate clients.
- Integrated regional finance: combine retail banking, corporate banking, wealth management and fintech partnerships to be the one-stop financial provider in Guizhou and adjacent provinces.
- Brand & experience leadership: invest in branch modernization, staff training and omnichannel UX to deliver the "best experience."
- Risk-aware growth: pursue sustainable asset expansion while maintaining prudent credit discipline and capital adequacy.
- Customer value creation: grow fee and commission income from non-interest services to increase customer lifetime value and diversify earnings.
- Digital transformation: expand online active users and mobile transaction volumes year-on-year to reduce unit service costs and improve customer satisfaction indices.
- Regional penetration: increase SME lending share in Guizhou's key sectors (manufacturing, tourism, green agriculture) to support local economic development.
- Profitability with stability: balance ROA/ROE improvement targets with NPL control and enhanced provisioning coverage.
| Metric | Latest Annual / Quarterly Figure | Target/Guidance |
|---|---|---|
| Total assets | RMB 320.5 billion (2023) | Grow to RMB 360-380 billion within 3 years |
| Operating income | RMB 12.4 billion (2023) | 10-12% CAGR |
| Net profit | RMB 3.6 billion (2023) | Mid-single-digit ROE improvement |
| Non-performing loan (NPL) ratio | 1.34% (2023) | Maintain ≤1.5% |
| Capital adequacy ratio (CAR) | 12.8% (end-2023) | Keep >11.5% (regulatory + buffer) |
| Loan-to-deposit ratio | 68% (2023) | Stabilize 65-72% |
- Service optimization - target Net Promoter Score (NPS) improvement of 15-20% over two years through branch service upgrades and agent training.
- Digital adoption - increase mobile active users by 25% and shift 60% of routine transactions to mobile channels within 24 months.
- Product breadth - raise non-interest revenue contribution to total revenue from ~22% to 30% via wealth, insurance agency and bancassurance partnerships.
- SME support - expand guaranteed lending and supply-chain finance to increase SME loan book share by 8-10% within three years.
- Branch network right-sizing and digital kiosks to improve unit economics and customer reach.
- Data-driven credit underwriting to lower default incidence while enabling faster decisioning for SMEs and retail segments.
- Strategic alliances with fintechs and insurers to accelerate product innovation and distribution.
- Corporate governance and risk management enhancements to protect capital and reputation during growth.
Bank of Guiyang Co.,Ltd. (601997.SS) - Vision Statement
Bank of Guiyang pursues a vision of becoming a trusted, regionally leading commercial bank that combines deep local roots with competitive financial services, technological adaptability, and sustainable growth. Anchored by its core values - Sincerity, Responsibility, Creation, and Benefit - the vision translates into measurable objectives across customer service, risk management, innovation, and stakeholder returns.- Sincerity: build trust through transparent governance, clear disclosure, and client-centric conduct.
- Responsibility: maintain rigorous risk controls and contribute to regional economic and social development.
- Creation: invest in digital channels, product innovation, and process optimization to raise efficiency.
- Benefit: deliver long-term value for customers, employees, shareholders and communities.
- Deepen retail and SME franchise in Guizhou while selectively expanding corporate relationships outside the province.
- Strengthen asset quality and capital adequacy to support stable, sustainable lending growth.
- Accelerate digital transformation to reduce operating costs and improve service reach.
- Enhance ESG and community finance initiatives consistent with regional development goals.
| Metric | Latest (approx.) | Target / Trend |
|---|---|---|
| Total assets | RMB 180-240 billion | Moderate growth, focused quality |
| Net profit (annual) | RMB 1.0-2.5 billion | Stabilize and improve via fee income & cost control |
| Non-performing loan (NPL) ratio | ~1.2%-2.5% | Gradual reduction through stricter underwriting |
| Common Equity Tier 1 (CET1) / CAR | CET1 ~9%-11%; CAR ~12%-15% | Maintain regulatory buffers and capital optimization |
| Return on Equity (ROE) | ~8%-12% | Improve toward peer averages via efficiency gains |
- Transparency & Sincerity - publish clear financial disclosures, customer complaint handling metrics, and governance improvements.
- Accountability & Responsibility - maintain robust internal control ratios, provisioning coverage, and community lending quotas.
- Innovation & Creation - allocate budget to fintech partnerships, digital onboarding, and automation to cut transaction costs and increase digital sales share.
- Stakeholder Benefit - measure customer satisfaction (NPS), employee retention, and shareholder return metrics to ensure value creation.
- Balance sheet resilience: preserve asset quality and capital adequacy while supporting regional credit demand.
- Revenue mix diversification: expand non-interest income through wealth management, transaction banking, and electronic channels.
- Cost and efficiency: target improvement in cost-to-income via process digitization and branch network optimization.
- Community impact: increase micro-, small- and medium-enterprise (MSME) lending and green finance products aligned with local development.
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