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江苏银行半年报出炉 再交亮眼答卷

Core Viewpoint - Jiangsu Bank has demonstrated strong performance in the first half of 2025, achieving significant growth in revenue and net profit despite industry challenges, reflecting its commitment to high-quality development and effective risk management [1][2]. Financial Performance - The bank reported a revenue of 44.864 billion yuan, a year-on-year increase of 7.78%, and a net profit attributable to shareholders of 20.238 billion yuan, up 8.05% year-on-year [1][2]. - As of June 30, 2025, total assets reached 4.79 trillion yuan, growing 21.16% from the previous year, with total deposits at 2.54 trillion yuan (up 20.22%) and total loans at 2.43 trillion yuan (up 15.98%) [2]. - The annualized ROE was 15.64% and ROA was 0.96%, indicating strong operational quality [1][2]. Market Position - Jiangsu Bank improved its ranking to 56th in the 2025 Global Bank 1000 list by The Banker, rising 10 places from the previous year, and ranked 162nd in the Fortune China 500, maintaining its position as the top city commercial bank in China [3]. Loan Growth and Economic Support - The bank's loan balance reached 2.43 trillion yuan, with a 15.98% increase year-on-year, supporting the economic development of Jiangsu province [4]. - Corporate loans amounted to 1.625 trillion yuan, growing 22.20%, while personal loans reached 695.5 billion yuan, with an increase of 20.7 billion yuan [4]. Innovation and Green Finance - Jiangsu Bank is actively involved in promoting technological and industrial innovation, participating in initiatives like the "Su Ke Loan" for technology transfer [5]. - The bank's green financing scale exceeded 720 billion yuan, a 32.1% increase year-on-year, with green assets accounting for over 16.4% of total assets [5]. Risk Management - The non-performing loan (NPL) ratio improved to 0.84%, the lowest since its listing, with a decrease in the proportion of loans under scrutiny to 1.24% [8][9]. - The bank has upgraded its risk management system, enhancing its ability to manage risks effectively [9]. Stock Performance and Market Recognition - Jiangsu Bank's stock price increased by 20.97% year-to-date, outperforming the banking sector, and was included in the FTSE China A50 Index [10]. - Institutional investors have shown strong interest, with 414 funds holding shares in Jiangsu Bank, ranking it among the top four banks in terms of fund holdings [10]. Management Confidence - The bank's management demonstrated confidence in future growth by completing a voluntary share buyback plan, exceeding the initial target [11].