南京银行上半年营业收入284.80亿元，非利息净收入占比降至45.06%

Core Insights - Nanjing Bank reported a total operating income of 28.48 billion yuan for the first half of 2025, an increase of 2.27 billion yuan or 8.64% year-on-year [1] - The net profit attributable to shareholders reached 12.62 billion yuan, up by 1.03 billion yuan or 8.84% year-on-year [1] Financial Performance - Interest income was 15.65 billion yuan, increasing by 2.84 billion yuan or 22.13% year-on-year, accounting for 54.94% of total operating income, up by 6.07 percentage points [1] - Non-interest income was 12.83 billion yuan, decreasing by 571 million yuan or 4.26% year-on-year, accounting for 45.06% of total operating income, down by 6.07 percentage points [1] Asset and Liability Overview - As of June 30, 2025, total assets reached 2.90 trillion yuan, an increase of 310.04 billion yuan or 11.96% from the end of the previous year [1] - Total loans amounted to 1.39 trillion yuan, up by 130.78 billion yuan or 10.41% [1] - Total liabilities were 2.69 trillion yuan, increasing by 291.85 billion yuan or 12.16% [1] - Total deposits reached 1.65 trillion yuan, an increase of 149.35 billion yuan or 9.98% [1] Key Ratios - Return on Assets (ROA) was 0.92% [2] - Net interest margin was 1.86% and net interest spread was 1.63% [2] - Non-performing loan ratio stood at 0.84%, up by 0.01 percentage points from the end of the previous year [2] - Provision coverage ratio was 311.65%, down by 23.62 percentage points from the end of the previous year [2]