江苏银行登顶 12家银行跻身“万亿城商行俱乐部”

Core Insights - The report indicates a significant reshuffling in the rankings of city commercial banks, with Jiangsu Bank surpassing Beijing Bank to become the largest city commercial bank by total assets, reaching 4.79 trillion yuan, a growth of approximately 21% from the end of 2024 [1][2] - Ningbo Bank has also made notable progress, surpassing Shanghai Bank with total assets of 3.47 trillion yuan, marking its entry into the top three city commercial banks for the first time [1][2] - The financial performance of certain banks, such as Xiamen International Bank and Shengjing Bank, is under pressure, with both experiencing declines in revenue and net profit [1][2] Asset Scale and Rankings - As of June 2025, Jiangsu Bank leads with total assets of 4.79 trillion yuan, followed by Beijing Bank and Ningbo Bank, which has 3.47 trillion yuan [1] - The rankings have shifted, with Ningbo Bank's total assets reaching 3.40 trillion yuan by the end of Q1 2025, surpassing Shanghai Bank's 3.27 trillion yuan [1] - Xiamen International Bank and Shengjing Bank are ranked 11th and 12th, respectively, facing significant operational challenges [1] Revenue and Profitability - Beijing Bank reported revenue of 36.218 billion yuan, nearly 1 billion yuan less than Ningbo Bank, which achieved 37.2 billion yuan in revenue [2] - Nanjing Bank's revenue of 28.48 billion yuan surpassed Shanghai Bank's 27.344 billion yuan, although Shanghai Bank maintained a lead in net profit [2] - Jiangsu Bank, Ningbo Bank, and Nanjing Bank all experienced net profit growth exceeding 8%, while Beijing Bank and Shanghai Bank's growth was around 3% [2] Asset Quality and Return on Assets - The return on assets (ROA) for Hangzhou Bank, Chengdu Bank, and Jiangsu Bank stands at 0.54%, 0.50%, and 0.48%, respectively, with Xiamen International Bank and Shengjing Bank at 0.09% and 0.05% [3] - The average net interest margin for city commercial banks is 1.37%, with seven banks exceeding this average [3] - Chengdu Bank has the lowest non-performing loan ratio at 0.66%, while Zhongyuan Bank and Shengjing Bank have higher ratios of 2.01% and 2.69% [3] Regional Performance - City commercial banks in the Yangtze River Delta, represented by Jiangsu Bank, Ningbo Bank, and Nanjing Bank, show strong performance in asset scale, loan quality, and revenue growth, benefiting from the region's robust economy [3][4] - Jiangsu Bank's corporate loans increased by approximately 300 billion yuan, reaching 1.63 trillion yuan, a growth of 23.30% [4] - Ningbo Bank's corporate loans totaled 998.204 billion yuan, with a growth of 21.34% [4] Competitive Advantages - Jiangsu Bank's core competitiveness is attributed to its small and micro business focus, strong public business in manufacturing and infrastructure, and retail business scale [5] - Ningbo Bank benefits from its deep engagement in the economically developed Yangtze River Delta region, showcasing strong competitive advantages in small and micro businesses [5] - The effective management of funding costs and interest margins has supported the rapid development of city commercial banks in the region [5]