Core Insights - Jiangsu Bank reported total assets of 4.93 trillion yuan as of September 2025, marking a year-on-year growth of 27.76%, approaching the 5 trillion yuan threshold [2][4] - The bank achieved a revenue of 671.83 billion yuan in the first three quarters of 2025, reflecting a year-on-year increase of 7.83%, with net profit rising by 8.87% to 318.95 billion yuan [2][3] - The net interest income grew by nearly 20% year-on-year, while fee and commission income increased by 19.97%, indicating a significant acceleration compared to the first half of the year [3][4] Financial Performance - For the first three quarters of 2025, Jiangsu Bank's net interest income reached 498.68 billion yuan, accounting for 74.23% of total revenue, with a year-on-year growth of 19.61% [3] - The bank's fee and commission income was 45.49 billion yuan, representing a year-on-year increase of 19.97%, with the revenue share rising to 6.77% [3] - Other non-interest income included investment income of 115.99 billion yuan, up 2.05% year-on-year, while fair value changes resulted in a loss of 10.01 billion yuan, a decrease of 44.54 billion yuan compared to the previous year [3] Asset Quality and Capital Adequacy - As of September 2025, Jiangsu Bank's non-performing loan ratio was 0.84%, down 0.05 percentage points from the beginning of the year, while the provision coverage ratio was 322.62%, a decrease of 27.48 percentage points from the end of the previous year [5] - The bank increased its provision for credit impairment losses by 30.42% year-on-year to 156.83 billion yuan in the first three quarters of 2025 [5] - The core Tier 1 capital adequacy ratio fell to 8.61%, down 0.51 percentage points from the end of the previous year, and is less than one percentage point away from the regulatory requirement [4][5]

Core Viewpoint - Jiangsu Bank has made significant progress in its high-quality development journey, focusing on a stable risk control system, simultaneous growth in scale and efficiency, and innovative management practices [1] Financial Performance - For the third quarter of 2025, Jiangsu Bank reported operating income of 67.183 billion yuan, a year-on-year increase of 7.83%, and net profit attributable to shareholders of 30.583 billion yuan, up 8.32% year-on-year [2] - The annualized ROE was 15.87% and annualized ROA was 0.96%, with a non-performing loan ratio of 0.84%, marking a historical low [2] - The bank's risk coverage ratio stood at 322.62%, indicating strong risk mitigation capabilities [2] Revenue Sources - Jiangsu Bank achieved net interest income of 49.868 billion yuan, a year-on-year increase of 19.61%, and fee and commission income of 5.421 billion yuan, up 7.88% [3] - The bank's total assets reached 4.93 trillion yuan, with total loans of 2.47 trillion yuan (up 17.87% year-to-date) and total deposits of 2.54 trillion yuan (up 20.22% year-to-date) [3] Corporate Lending - As of September, the corporate loan balance was 1.6641 trillion yuan, a year-on-year increase of 26.26%, while corporate deposits grew by 20.75% to 1.4028 trillion yuan [4] - Jiangsu Bank is focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, to enhance its service capabilities [4] Retail Banking - Jiangsu Bank's retail banking segment has seen significant growth, with total assets under management (AUM) surpassing 1.6 trillion yuan, ranking first among city commercial banks [6] - The bank's mobile banking app has nearly 22 million customers, with monthly active users exceeding 7.6 million [5] Asset Quality - The non-performing loan ratio of Jiangsu Bank is 0.84%, down 0.05 percentage points from the beginning of the year, maintaining the best level since its listing [7] - The bank has consistently improved its asset quality since its IPO in 2016, with a declining trend in non-performing loans over nine consecutive years [7] Market Position - Jiangsu Bank has gained significant attention in the capital markets, with nearly 70 research reports published by analysts this year [8] - The bank ranks 56th in the "Global 1000 Banks" list, improving by 10 places from the previous year, and is 16th among Chinese banks [8]

Core Viewpoint - Jiangsu Bank has made significant progress in its high-quality development journey by focusing on a stable risk control system, simultaneous growth in scale and efficiency, and innovative management practices [1] Financial Performance - For the third quarter of 2025, Jiangsu Bank reported operating income of 67.183 billion yuan, a year-on-year increase of 7.83%, and net profit attributable to shareholders of 30.583 billion yuan, up 8.32% year-on-year [3] - The annualized ROE was 15.87% and annualized ROA was 0.96%, with a non-performing loan ratio of 0.84%, marking a historical low [3] - The bank's risk coverage ratio stood at 322.62%, indicating strong risk mitigation capabilities [3] Revenue Composition - Jiangsu Bank achieved net interest income of 49.868 billion yuan, a year-on-year increase of 19.61%, and fee and commission income of 5.421 billion yuan, up 7.88% [4] - The bank's total assets reached 4.93 trillion yuan, with loan balances of 2.47 trillion yuan (up 17.87% year-to-date) and deposit balances of 2.54 trillion yuan (up 20.22% year-to-date) [4] Corporate Lending Growth - As of September, corporate loan balances reached 1.6641 trillion yuan, a year-on-year increase of 26.26%, while corporate deposit balances were 1.4028 trillion yuan, up 20.75% [7] - Jiangsu Bank is committed to enhancing financial services in key areas such as technology, green finance, and inclusive finance [8] Retail Banking Development - Jiangsu Bank's retail assets under management (AUM) surpassed 1.6 trillion yuan, with an increase of nearly 200 billion yuan, leading among city commercial banks [11] - The bank's subsidiary, Su Yin Wealth Management, has assets exceeding 800 billion yuan, maintaining its position as the top wealth management subsidiary among city commercial banks [11] Asset Quality and Risk Management - Jiangsu Bank's non-performing loan ratio was 0.84%, down 0.05 percentage points from the beginning of the year, reflecting a consistent improvement in asset quality [13][14] - The bank has implemented reforms in its risk management system, enhancing its risk control capabilities [14] Market Position and Recognition - Jiangsu Bank has gained significant attention in the capital market, with nearly 70 research reports published by analysts this year [16] - The bank ranked 56th in the "Global 1000 Banks" list, improving by 10 positions from the previous year, and was ranked 162nd in the "Fortune" China 500 list [16]

证券代码：600919 证券简称：江苏银行 公告编号：2025-037 优先股代码：360026 优先股简称：苏银优 1 江苏银行股份有限公司 关于召开2025年第二次临时股东大会的通知 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 重要内容提示： (四) 现场会议召开的日期、时间和地点 召开的日期时间：2025 年 11 月 17 日 14 点 30 分 召开地点：南京市秦淮区中华路 26 号江苏银行总部大厦 4 楼大会议室 (五) 网络投票的系统、起止日期和投票时间。 网络投票系统：上海证券交易所股东大会网络投票系统 网络投票起止时间：自2025 年 11 月 17 日 一、 召开会议的基本情况 (一) 股东大会类型和届次 2025年第二次临时股东大会 (二) 股东大会召集人：董事会 (三) 投票方式：本次股东大会所采用的表决方式是现场投票和网络投票 相结合的方式 至2025 年 11 月 17 日 采用上海证券交易所网络投票系统，通过交易系统投票平台的投票时间为股 东大会召开当日的交易时间段，即 9:15-9:25，9 ...

证券代码：600919 证券简称：江苏银行 公告编号：2025-036 优先股代码：360026 优先股简称：苏银优 1 江苏银行股份有限公司监事会决议公告 本公司监事会及全体监事保证本公告内容不存在任何虚假记载、 误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承 担个别及连带责任。 二、关于江苏银行股份有限公司不再设立监事会相关事项的议案 - 1 - 表决结果：同意 9 票，反对 0 票，弃权 0 票。 三、关于修改江苏银行股份有限公司章程的议案 表决结果：同意 9 票，反对 0 票，弃权 0 票。 江苏银行股份有限公司（以下简称"公司"）第六届监事会第十 四次会议通知于2025年10月20日以电子邮件方式发出，会议于2025 年 10 月 30 日以现场加视频方式召开。本次会议应参与表决监事 9 名， 实际参与表决监事 9 名。会议符合《公司法》等法律法规及公司章程 的有关规定，表决所形成的决议合法、有效。 会议由季金松监事长主持，审议通过以下议案： 一、关于江苏银行股份有限公司 2025 年第三季度报告的议案 监事会认为： 1.本公司 2025 年第三季度报告的编制和审议程序符合法律、法 规 ...

证券代码：600919 证券简称：江苏银行 公告编号：2025-035 优先股代码：360026 优先股简称：苏银优 1 江苏银行股份有限公司董事会决议公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、 误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承 担个别及连带责任。 江苏银行股份有限公司（以下简称"公司"）第六届董事会第二 十二次会议通知于 2025 年 10 月 20 日以电子邮件方式发出，会议于 2025 年 10 月 30 日在公司以现场和视频方式召开。本次会议应参与 表决董事 15 名，实际参与表决董事 15 名，监事及高级管理人员列席 会议。会议符合《公司法》等法律法规及公司章程的有关规定，表决 所形成的决议合法、有效。 会议由公司董事长葛仁余先生主持，审议通过以下议案： 一、关于江苏银行股份有限公司 2025 年三季度行长工作报告的 议案 表决结果：同意 15 票，反对 0 票，弃权 0 票。 二、关于江苏银行股份有限公司 2025 年第三季度报告的议案 表决结果：同意 15 票，反对 0 票，弃权 0 票。 本议案已经公司董事会审计委员会事前认可。 三、关于江苏银行 ...

证券代码：600919 证券简称：江苏银行 优先股代码：360026 优先股简称：苏银优 1 江苏银行股份有限公司 2025 年第三季度报告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、 误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承 担个别及连带责任。 重要内容提示 本行董事会、监事会及董事、监事、高级管理人员保证季度报告内容 的真实、准确、完整，不存在虚假记载、误导性陈述或者重大遗漏，并承 担个别和连带的法律责任。 本行法定代表人、董事长葛仁余，行长、主管会计工作负责人袁军， 董事会秘书、计划财务部总经理陆松圣保证季度报告中财务报表信息的真 实、准确、完整。 江苏银行 2025 年第三季度报告 2025 年 10 月 30 日，本行第六届董事会第二十二次会议和第六届监 事会第十四次会议审议通过了第三季度报告。 第三季度财务报表未经审计。 1 / 15 江苏银行 2025 年第三季度报告 一、 主要财务数据 (一)主要会计数据和财务指标 | | | | 项目 | 本报告期 | 本报告期比上 | 年初至报告 | 年初至报告期末 比上年同期增减 | | --- | --- | --- ...

Core Viewpoint - Jiangsu Bank reported a year-on-year increase in operating income and net profit for the third quarter of 2025, indicating strong financial performance and growth potential [1] Financial Performance - For Q3 2025, the operating income reached 22.319 billion yuan, representing a year-on-year growth of 7.93% [1] - The net profit attributable to shareholders was 10.344 billion yuan, showing an increase of 8.84% year-on-year [1] - Basic earnings per share for Q3 2025 were 0.55 yuan [1] Year-to-Date Performance - For the first three quarters of 2025, the total operating income amounted to 67.183 billion yuan, with a year-on-year growth of 7.83% [1] - The net profit attributable to shareholders for the first three quarters was 30.583 billion yuan, reflecting an 8.32% year-on-year increase [1] - Basic earnings per share for the first three quarters were 1.59 yuan [1]

Market Overview - The city commercial bank sector rose by 0.16% on October 30, with Qingdao Bank leading the gains [1] - The Shanghai Composite Index closed at 3986.9, down 0.73%, while the Shenzhen Component Index closed at 13532.13, down 1.16% [1] Individual Stock Performance - Qingdao Bank (002948) closed at 5.19, up 3.80% with a trading volume of 860,800 shares and a turnover of 444 million yuan [1] - Xiamen Bank (601187) closed at 7.01, up 3.09% with a trading volume of 537,600 shares and a turnover of 377 million yuan [1] - Shanghai Bank (601229) closed at 9.42, up 0.96% with a trading volume of 586,800 shares and a turnover of 553 million yuan [1] - Other notable performances include Ningbo Bank (002142) at 27.72, up 0.43%, and Beijing Bank (601169) at 5.67, up 0.35% [1] Capital Flow Analysis - The city commercial bank sector experienced a net outflow of 58.51 million yuan from institutional investors, while retail investors saw a net outflow of 150 million yuan [2] - Conversely, speculative funds recorded a net inflow of 209 million yuan [2] Detailed Capital Flow for Selected Banks - Jiangsu Bank (600919) had a net inflow of 79.4 million yuan from institutional investors, while retail investors experienced a net outflow of 129 million yuan [3] - Qingdao Bank (002948) saw a net inflow of 70.3 million yuan from institutional investors but a net outflow of 31.9 million yuan from speculative funds [3] - Shanghai Bank (601229) had a net inflow of 44.9 million yuan from institutional investors, with retail investors seeing a net outflow of 46.8 million yuan [3]

Investment Rating - The report suggests a positive outlook for the banking industry, indicating a shift from homogeneous competition to differentiated development, which opens up new business opportunities [4]. Core Insights - The report emphasizes the goal of building a modern financial system that balances resilience, efficiency, inclusiveness, and security, aligning with the high-quality development needs of the economy [4]. - It highlights the importance of enhancing the central bank's role in macroeconomic regulation and financial stability, with a focus on preventing systemic financial risks [4]. - The report identifies five key areas for financial supply-side structural reform: technology finance, green finance, inclusive finance, pension finance, and digital finance, which are seen as major sources of new business for banks [4]. - It discusses the need for banks to transform their operating models, particularly in technology finance, and to address challenges such as product homogeneity and risk management [4]. - The report notes that regulatory constraints will remain strict, with an emphasis on risk prevention and resolution, particularly in key areas like real estate and local debt [4]. Summary by Sections Central Bank and Macro-Prudential Management - The report advocates for a robust macro-prudential management framework to mitigate systemic risks and enhance the central bank's regulatory capabilities [4]. Financial Supply-Side Structural Reform - The focus is on developing various financial sectors to guide resources to critical areas, fostering new productive forces and expanding credit opportunities [4]. Differentiated Development of Banks - Different types of banks are encouraged to adopt tailored strategies, with state-owned banks focusing on national strategies and regional banks serving local economies [4]. Regulatory Environment - The report anticipates stricter and more efficient regulatory measures, with an emphasis on the application of regulatory technology and accelerated financial legislation [4]. Investment Recommendations - The report recommends specific banks for investment, including Industrial and Commercial Bank of China, Agricultural Bank of China, Postal Savings Bank of China, Jiangsu Bank, Hangzhou Bank, and China Merchants Bank, highlighting their potential for recovery and transformation [4].