“稳进变”加持优等生 江苏银行三季报彰显硬实力

Core Viewpoint - Jiangsu Bank has made significant progress in its high-quality development journey, focusing on a stable risk control system, balanced growth in scale and efficiency, and innovative management practices since 2025 [1] Financial Performance - For the third quarter of 2025, Jiangsu Bank reported operating income of 67.183 billion yuan, a year-on-year increase of 7.83%, and net profit attributable to shareholders of 30.583 billion yuan, up 8.32% year-on-year [2] - The annualized ROE was 15.87% and annualized ROA was 0.96%, with a non-performing loan ratio of 0.84%, marking a historical low [2] - The bank's risk coverage ratio stood at 322.62%, indicating strong risk mitigation capabilities [2] Revenue Sources - Jiangsu Bank achieved net interest income of 49.868 billion yuan, a year-on-year increase of 19.61%, and fee and commission income of 5.421 billion yuan, up 7.88% [3] - The bank's total assets reached 4.93 trillion yuan, with loan balances of 2.47 trillion yuan (up 17.87% year-to-date) and deposit balances of 2.54 trillion yuan (up 20.22% year-to-date) [3] Corporate Lending - As of September, corporate loan balances reached 1.6641 trillion yuan, a year-on-year increase of 26.26%, while corporate deposit balances grew by 20.75% to 1.4028 trillion yuan [4] - The bank is focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, to enhance financial services [4] Retail Banking - Jiangsu Bank's retail banking segment has seen significant growth, with total assets under management (AUM) surpassing 1.6 trillion yuan, an increase of nearly 200 billion yuan [6] - The bank's mobile banking app has nearly 22 million customers, with monthly active users exceeding 7.6 million, leading among city commercial banks [5] Asset Quality - The non-performing loan ratio is at 0.84%, down 0.05 percentage points from the beginning of the year, and the bank has maintained a downward trend in asset quality since its listing in 2016 [7] - The bank's risk management framework has been continuously improved, enhancing its risk control capabilities [7] Market Position - Jiangsu Bank has gained significant attention in the capital markets, with nearly 70 research reports published by analysts this year [8] - The bank ranks 56th in the "Global 1000 Banks" list and 16th among Chinese banks, reflecting its growing competitiveness [8]