Core Viewpoint - Jiangxi Bank reported a decline in both operating income and net profit for the first half of 2025, indicating ongoing challenges in its financial performance [1][2]. Financial Performance - For the first half of 2025, Jiangxi Bank achieved operating income of 4.604 billion RMB, a decrease of 19.91% compared to 5.748 billion RMB in the same period of 2024 [1][2]. - The net profit attributable to shareholders was 557.64 million RMB, down 10.53% from 623.25 million RMB in the previous year [1][2]. - Net interest income decreased by 5.27% to 3.777 billion RMB, while net fee and commission income increased by 5.27% to 245.58 million RMB [2]. Asset Quality - As of June 30, 2025, the non-performing loan (NPL) ratio was 2.36%, an increase of 0.21 percentage points from the end of the previous year [2][3]. - The bank recorded asset impairment losses of 2.773 billion RMB, a reduction of 9.01 million RMB compared to the same period last year [3][4]. Balance Sheet Highlights - Total assets reached 580.297 billion RMB, reflecting a 1.16% increase from 573.635 billion RMB at the end of 2024 [3]. - The net amount of loans and advances was 352.673 billion RMB, up 3.09% from 342.089 billion RMB [3]. - Total equity attributable to shareholders decreased by 0.40% to 47.595 billion RMB [3]. Historical Context - In 2022, Jiangxi Bank reported operating income of 12.714 billion RMB, a year-on-year increase of 14.08%, but net profit fell by 25.15% to 1.550 billion RMB [4]. - For 2023, the bank's operating income was 11.297 billion RMB, down 11.15%, and net profit was 1.036 billion RMB, a decrease of 33.13% [5]. - In 2024, operating income slightly increased to 11.559 billion RMB, with a net profit of 1.057 billion RMB, reflecting a 2% growth [5].
江西银行换帅3年第2度营收净利双降 不良率升至2.36%