江阴农商行前三季度实现归母净利润12.78亿元，同比增长13.38%

Core Insights - Jiangyin Rural Commercial Bank reported a revenue of 3.204 billion yuan for the first three quarters of 2025, representing a year-on-year growth of 6.17% [1] - The bank's net profit attributable to shareholders reached 1.278 billion yuan, with an increase of 13.38% [1] - The net interest margin stood at 1.56%, while the net interest spread was 1.39%, both showing a quarter-on-quarter increase of 2 basis points [1] Business Scale - As of the end of the reporting period, the total deposits of Jiangyin Rural Commercial Bank amounted to 165.073 billion yuan, an increase of 13.247 billion yuan since the beginning of the year, reflecting a growth rate of 8.73% [1] - The total loans reached 131.957 billion yuan, with an increase of 7.828 billion yuan since the start of the year, marking a growth rate of 6.31% [1] Asset Quality - As of the end of September, the non-performing loan ratio was 0.85%, a decrease of 0.01 percentage points from the beginning of the year [1] - The provision coverage ratio was reported at 371.91%, and the capital adequacy ratio stood at 14.92% [1]