江阴银行：2025年上半年营收、净利润双增长

Core Insights - Jiangyin Bank's operating fundamentals continue to improve despite macroeconomic pressures and intensified industry competition, showcasing resilience and vitality through strategic focus and mechanism innovation [1][2] Financial Performance - As of the reporting period, total deposits reached 162.176 billion yuan, an increase of 6.82% from the beginning of the year [1] - Total loans amounted to 131.420 billion yuan, growing by 5.87% year-to-date [1] - Operating income was 2.401 billion yuan, reflecting a year-on-year growth of 10.45% [1] - Net profit attributable to the parent company was 846 million yuan, up 16.63% year-on-year [1] - The non-performing loan ratio was maintained at 0.86%, with an increasing provision coverage ratio [1] - The proportion of special mention loans decreased by 0.12% compared to the beginning of the year, indicating enhanced risk compensation capacity [1] Key Areas of Focus - Jiangyin Bank has increased financial support for key areas such as technological innovation, green finance, inclusive finance, and rural revitalization, with related loan growth significantly surpassing the bank's average [1] - Loans accounted for 63.31% of total assets, an increase of 1.32% from the beginning of the year [1] - The bank has optimized its credit processes and enhanced customer service efficiency through mobile operations and full-process online services [1] Development Model - The bank is advancing a three-dimensional transformation path characterized by "head office coordination, branch innovation, and mechanism assurance" [2] - The head office is accelerating the establishment of six specialized business centers, while branches are achieving differentiated development through the "Ten-Hundred-Thousand Project" [2] - The bank is focusing on value creation by optimizing assessment mechanisms and resource allocation to shift from scale growth to high-quality development [2]