江苏银行前三季度盈利破300亿 中间业务提速 投资拖累

Core Insights - Jiangsu Bank reported significant growth in total assets, reaching 4.93 trillion yuan as of September 2025, a year-on-year increase of 27.76% [2][4] - The bank's revenue for the first three quarters of 2025 was 671.83 billion yuan, reflecting a 7.83% year-on-year growth, while net profit increased by 8.87% to 318.95 billion yuan [2][3] - The bank's core tier 1 capital adequacy ratio fell to 8.61%, down 0.51 percentage points from the end of the previous year, indicating a need for capital management as it approaches regulatory requirements [2][4] Financial Performance - Interest income for the first three quarters was 498.68 billion yuan, up 19.61% year-on-year, accounting for 74.23% of total revenue [3] - Non-interest income from fees and commissions rose by 19.97% to 45.49 billion yuan, with a revenue share of 6.77% [3] - Investment income was 115.99 billion yuan, a modest increase of 2.05%, while fair value changes resulted in a loss of 10.01 billion yuan, a significant decline of 44.54 billion yuan year-on-year [3] Asset Quality and Capital Adequacy - The bank's non-performing loan ratio improved to 0.84%, a decrease of 0.05 percentage points since the beginning of the year [5] - The provision coverage ratio stood at 322.62%, down 27.48 percentage points from the previous year-end, indicating a potential concern in risk management [5] - Credit impairment losses increased by 30.42% year-on-year to 156.83 billion yuan, reflecting a proactive approach to provisioning [5]