Zhong Guo Zheng Quan Bao·2025-08-28 01:02Core Insights - The performance of listed city commercial banks in A-shares shows divergence, with Jiangsu Bank, Chengdu Bank, and Chongqing Bank achieving steady growth, while Guiyang Bank's performance declined [1][2] Group 1: Financial Performance - Jiangsu Bank reported operating income of 44.864 billion yuan, a year-on-year increase of 7.78%, and net profit attributable to shareholders of 20.238 billion yuan, up 8.05% [2] - Chengdu Bank achieved operating income of 12.27 billion yuan, a 5.91% increase, and net profit of 6.617 billion yuan, up 7.29% [2] - Chongqing Bank's operating income reached 7.659 billion yuan, a 7% increase, with net profit of 3.190 billion yuan, up 5.39% [2] - Guiyang Bank's operating income was 6.501 billion yuan, a decrease of 12.22%, and net profit of 2.474 billion yuan, down 7.2% [2] Group 2: Stock Performance - Jiangsu Bank's stock price increased by 25.54%, ranking fourth among A-share listed banks, while Chongqing Bank and Chengdu Bank saw stock price increases of 21.98% and 17.48%, respectively [2] Group 3: Business Growth Drivers - Corporate business significantly boosted net interest income for Jiangsu Bank, Chengdu Bank, and Chongqing Bank, serving as a key pillar for their positive performance [3] - Chongqing Bank's average corporate loan balance increased by 82.149 billion yuan year-on-year, contributing to a rise in interest income by 1.393 billion yuan [3] - Chengdu Bank also experienced a 17.87% year-on-year increase in average corporate loans, leading to a 10.12% rise in interest income [3] Group 4: Credit Structure Optimization - As of June 30, Chongqing Bank's small and micro enterprise loan balance reached 182.248 billion yuan, an increase of 33.119 billion yuan from the previous year [4] - Jiangsu Bank's small micro loan balance exceeded 750 billion yuan, with a significant increase in inclusive small micro loans [4] - Guiyang Bank issued 17.577 billion yuan in new inclusive small micro loans, with a weighted average interest rate of 4.20%, down 43 basis points year-on-year [5]