NJBK(SH:601009)2025-10-27 10:10Financial Performance - The company's operating revenue for Q3 2025 was CNY 13,468,596, representing a year-on-year increase of 9.12%[4] - The net profit attributable to shareholders for Q3 2025 was CNY 5,385,651, reflecting a year-on-year growth of 6.26%[4] - The net cash flow from operating activities for the first nine months of 2025 reached CNY 174,518,916, a significant increase of 334.07%[4] - The company achieved an operating income of CNY 419.49 billion, representing an 8.79% increase year-on-year[21] - The net interest income was CNY 252.07 billion, up by 28.52% year-on-year, accounting for 60.09% of total operating income[21] - The non-interest net income decreased to CNY 167.42 billion, down 11.63% year-on-year, making up 39.91% of total operating income[21] - The bank's total profit for the first nine months was RMB 21,424,980 thousand, up from RMB 20,403,475 thousand in the previous year, reflecting a growth of 5%[51] - The net profit attributable to shareholders reached CNY 18.005 billion, an increase of 8.06% compared to the same period last year[22] Assets and Liabilities - The total assets as of September 30, 2025, amounted to CNY 2,962,307,669, marking a year-on-year increase of 14.31%[5] - The total liabilities of the company amounted to CNY 27,468.16 billion, growing by CNY 3,473.73 billion or 14.48% year-on-year[20] - The total deposits increased to CNY 16,405.55 billion, reflecting a growth of CNY 1,443.83 billion or 9.65% from the previous year[20] - The total loans reached CNY 14,114.81 billion, which is an increase of CNY 1,550.83 billion or 12.34% compared to the previous year[20] - The bank's total assets increased to ¥2,962,307,669 as of September 30, 2025, compared to ¥2,591,399,702 at the end of 2024[49] Shareholder Information - The number of ordinary shareholders at the end of the reporting period was 76,761[11] - The top shareholder, BNP Paribas (including QFII), held 2,119,700,918 shares, accounting for 17.14% of the total shares[12] - The company reported a total shareholding increase of 1,034,444,310 shares by shareholders holding more than 1% of the shares, representing 8.37% of the total share capital at the end of the reporting period[16] Loan and Financial Ratios - The non-performing loan ratio remained stable at 0.83%, with a provision coverage ratio of 313.22%[23] - Corporate loan balance was CNY 1,073.14 billion, growing by CNY 136.93 billion or 14.63% year-on-year, with green finance loans increasing by 33.03%[24] - Personal loan balance increased to CNY 338.35 billion, a growth of CNY 18.15 billion or 5.67% year-on-year[26] - The personal loan non-performing rate improved to 1.33%, a decrease of 10 basis points from the previous quarter[26] - The normal loan migration rate decreased to 0.75% as of September 30, 2025, down from 1.08% in December 2024 and 1.39% in December 2023[35] - The provision coverage ratio for non-performing loans was 313.22% as of September 30, 2025, indicating robust risk management[39] Capital and Liquidity - The total capital net amount reached ¥261,732,675, with a core Tier 1 capital of ¥184,033,857 as of September 30, 2025[36] - The capital adequacy ratio stood at 13.64%, while the Tier 1 capital adequacy ratio was 11.11% as of September 30, 2025[37] - The liquidity coverage ratio was reported at 151.01%, indicating strong liquidity position[42] - The net stable funding ratio was 111.79%, reflecting a solid funding structure[44] - The bank's leverage ratio was reported at 6.24% as of September 30, 2025, showing a stable capital structure[45] Business Growth and Innovation - The company maintained a focus on innovation-driven development in various financial sectors, including technology finance and green finance[19] - The company reported a significant increase in gold and precious metals business scale, with a total of CNY 7,201,046 for Q3 2025[7] - The company’s debt investment scale increased by 46.14%, reaching CNY 459,926,851[7] - The retail segment achieved revenue of CNY 11.70 billion, with a year-on-year growth rate of 22.10%[26] - The total assets under custody reached CNY 3.97 trillion, an increase of 16.42% compared to the previous year[27] - The number of international business clients grew by 28.38% year-to-date, reaching 12,838 clients[24] Other Financial Metrics - The weighted average return on equity for Q3 2025 was 2.88%, a decrease of 0.38 percentage points compared to the previous year[4] - The basic earnings per share for Q3 2025 was CNY 0.42, down 10.64% year-on-year[4] - The cost-to-income ratio stood at 23.27%[21] - The cost-to-income ratio improved to 23.27% for the third quarter of 2025, down from 25.68% in the previous quarter[39] - Other comprehensive income after tax showed a loss of RMB 2,726,374 thousand, compared to a gain of RMB 1,146,772 thousand in the previous year[51]