ZJB(SH:601860) Zheng Quan Zhi Xing·2025-08-29 17:15Core Viewpoint - Jiangsu Zijin Rural Commercial Bank reported steady growth in key financial metrics for the first half of 2025, with a focus on supporting rural and small enterprises while maintaining a robust risk management framework [2][3]. Financial Performance - Total operating income for the first half of 2025 reached CNY 2,392.67 million, a slight increase of 0.49% compared to CNY 2,381.01 million in the same period of 2024 [2]. - Total profit amounted to CNY 1,064.76 million, reflecting a 1.83% increase from CNY 1,045.58 million year-on-year [2]. - Net profit attributable to shareholders was CNY 912.48 million, a marginal increase of 0.12% from CNY 911.41 million in the previous year [2]. - The bank's total assets grew to CNY 272.09 billion, up 0.79% from CNY 269.94 billion at the end of the previous year [2]. - The non-performing loan ratio stood at 1.24%, with a provision coverage ratio of 200.48% [3]. Business Operations - The bank's loan balance for agricultural and small enterprises reached CNY 1,283.80 billion, accounting for 66.9% of total loans [3]. - The bank has focused on enhancing its service to the real economy, particularly in rural and small business sectors, aligning with national policies [3][4]. - The bank has implemented a strategic transformation, upgrading its microfinance department and signing strategic cooperation agreements with local governments [4][5]. Risk Management - The bank has established a comprehensive risk management system, focusing on credit, market, liquidity, and operational risks [9]. - The management has emphasized compliance culture and risk awareness among staff, enhancing the overall risk control framework [4][9]. Market Positioning - The bank maintains a strong commitment to serving rural areas and small enterprises, positioning itself as a key player in local economic development [8]. - The bank's governance structure is designed to integrate party leadership with corporate governance, ensuring effective oversight and management [8].