ZJB(SH:601860) Xin Lang Zheng Quan·2025-10-30 12:21Core Viewpoint - Zijin Bank, established in 2011 and listed in 2019, is a regional commercial bank in Jiangsu Province, facing challenges in revenue and profit compared to industry peers [1][2]. Group 1: Business Overview - Zijin Bank's main business includes corporate finance, personal finance, funding operations, and others [1]. - As of Q3 2025, the bank reported revenue of 3.273 billion yuan, ranking 8th in the industry, significantly lower than the top competitor, Chongqing Rural Commercial Bank, which reported 21.658 billion yuan [2]. - The bank's net profit for the same period was 1.204 billion yuan, placing it last in the industry rankings [2]. Group 2: Financial Performance - The bank's asset-liability ratio stood at 92.86% in Q3 2025, higher than the industry average of 91.45% [3]. - The gross profit margin was reported at 43.37%, which is below both the previous year's margin of 45.89% and the industry average of 51.47% [3]. Group 3: Shareholder Information - As of September 30, 2025, the number of A-share shareholders increased by 1.08% to 63,000, while the average number of shares held per shareholder decreased by 1.07% to 56,400 [5]. - The largest circulating shareholder, Hong Kong Central Clearing Limited, reduced its holdings by 4.938 million shares [5]. Group 4: Executive Compensation - The chairman of Zijin Bank, Shao Hui, received a salary of 195,300 yuan in 2024 [4].