2 1 Shi Ji Jing Ji Bao Dao·2025-09-02 11:01Core Viewpoint - The major city commercial banks in the Yangtze River Delta region have reported strong performance in the first half of the year, achieving growth in both revenue and net profit despite challenges such as narrowing interest margins and weakened credit demand [1][2]. Group 1: Financial Performance - Jiangsu Bank has the highest total assets among city commercial banks, reaching 4.79 trillion yuan, with a year-on-year growth of 26.99% [2][6]. - Ningbo Bank and Shanghai Bank also reported total assets exceeding 3 trillion yuan, with figures of 3.47 trillion yuan and 3.29 trillion yuan respectively [2]. - The net profit growth for Jiangsu Bank was 7.78%, while Ningbo Bank, Nanjing Bank, and Shanghai Bank reported growth rates of 7.91%, 8.64%, and 4.18% respectively [2][4]. Group 2: Asset Quality - The non-performing loan (NPL) ratios for these banks are below 1%, with Ningbo Bank having the lowest at 0.76%, followed by Jiangsu and Nanjing Banks at 0.84%, and Shanghai Bank at 1.18% [3][2]. Group 3: Loan Growth - Jiangsu Bank's loan and advance scale reached 2.37 trillion yuan, with a year-on-year growth of 18.79% [6][7]. - Ningbo Bank's loans and advances totaled 1.67 trillion yuan, with a growth of 13.36% [8]. - Nanjing Bank's total loans reached 1.39 trillion yuan, with a growth of 10.41% [6]. Group 4: Market Performance - The stock prices of these banks have shown an upward trend in the first half of the year, with Ningbo Bank experiencing the highest increase of 23.18% [5]. Group 5: Retail Business Challenges - Retail banking performance has lagged behind corporate banking, with Jiangsu Bank's retail loan growth at only 3.07% compared to 23.30% for corporate loans [11][12]. - Nanjing Bank's personal loan balance increased by 3.67%, while Shanghai Bank's personal loan balance decreased by 4.86% [13][12]. Group 6: Capital Adequacy Concerns - Concerns regarding capital adequacy have arisen due to rapid asset expansion, prompting banks to focus on optimizing asset structures and maintaining stable profit accumulation [9][10].