NJBK(SH:601009) 2 1 Shi Ji Jing Ji Bao Dao·2025-10-28 04:22Core Viewpoint - Nanjing Bank's Q3 2025 report highlights robust growth in key operational metrics, demonstrating resilience and high-quality development amid a complex external environment, aligning with national and regional development strategies [1] Group 1: Financial Performance - Total assets reached CNY 2.96 trillion, a 14.31% increase from the previous year [2] - Total liabilities grew to CNY 2.75 trillion, up 14.48% year-on-year [2] - Deposits increased to CNY 1.64 trillion, a growth of 9.65%, while loans reached CNY 1.41 trillion, up 12.34% [2] - Operating income was CNY 419.49 billion, an 8.79% year-on-year increase, with net interest income rising by 28.5% to CNY 252.07 billion [2] - Net profit attributable to shareholders was CNY 180 billion, reflecting an 8.06% increase [2] - Non-performing loan ratio remained stable at 0.83%, with a cost-to-income ratio of 23.27%, down 4.81 percentage points from the previous year [2] - Provision coverage ratio stood at 313.22%, and core Tier 1 capital adequacy ratio was 9.54%, indicating strong capital and risk absorption capacity [2] Group 2: Business Segments - Focused on three main business segments: corporate finance, retail finance, and financial markets, enhancing comprehensive financial service capabilities [3] - Corporate finance loans reached CNY 1.07 trillion, with a growth rate exceeding 14.6%, and medium to long-term loans for manufacturing increased by 31.56% [3] - Technology finance loans amounted to CNY 174.28 billion, a 17.5% increase, with various innovative products launched to support enterprises [4] - Inclusive finance served 200,000 small and micro enterprises, with inclusive loan balances growing over 16.1% to CNY 156.1 billion [4] - Green finance loans increased by CNY 667.7 billion, a growth of over 33%, with more than 5,500 green loan clients [5] - Retail financial assets reached CNY 968.7 billion, up 17.1%, with personal deposits growing by 18.6% to CNY 565.17 billion [6] Group 3: Market Recognition and Strategic Partnerships - Major shareholders, including Nanjing High-Tech and Zijin Trust, have increased their stakes, reflecting confidence in the bank's stable operations and future growth [8] - Nanjing Bank celebrated its 20th anniversary of strategic cooperation with BNP Paribas, signing a new memorandum to deepen collaboration across multiple dimensions [8] - The bank received strong recommendations from various securities firms, maintaining a high dividend payout ratio of 30% of net profit [9]