NJBK(SH:601009) Jin Rong Jie·2025-12-26 12:07Core Viewpoint - The "Qihang·2025 Financial Summit" held in Beijing highlighted the importance of high-quality development in the financial sector, with Nanjing Bank receiving the "Outstanding High-Quality Development Model Award" for its exemplary performance in aligning with national strategies and economic development [1][3]. Group 1: Award and Evaluation - The "Jinzhi Award" aims to set benchmarks for high-quality development, guiding listed companies to focus on their core businesses, innovate continuously, and fulfill social responsibilities [3]. - The evaluation criteria for the award include social responsibility, contribution to the real economy, investment returns, growth prospects, innovation efficiency, and brand excellence, covering over 8,000 companies [3]. Group 2: Nanjing Bank's Performance - As of the end of Q3 2025, Nanjing Bank's total assets reached 2.96 trillion yuan, a year-on-year increase of 14.31%, demonstrating a balance between scale and efficiency [4]. - The bank reported operating income of 41.949 billion yuan and a net profit attributable to shareholders of 18 billion yuan, reflecting year-on-year growth of 8.79% and 8.06%, respectively [5]. - The cost-to-income ratio improved to 23.27%, a decrease of 4.81 percentage points from the previous year, indicating effective cost management [5]. Group 3: Strategic Focus and Services - Nanjing Bank effectively meets the credit needs of the real economy, with a significant 31.56% increase in medium to long-term loans to the manufacturing sector, outperforming the industry average [5]. - The bank emphasizes inclusive finance, pension finance, and digital finance, with retail financial assets reaching 968.7 billion yuan, a 17.1% increase since the beginning of the year [5]. Group 4: Sustainability and Governance - Nanjing Bank has a strong ESG performance, maintaining a non-performing loan ratio of 0.83% and a provision coverage ratio of 313.22%, indicating robust risk management [6]. - The bank's governance is efficient, with a stable dividend policy, distributing 3.062 yuan per 10 shares in cash dividends, totaling 3.7857 billion yuan, which is 30% of its net profit [6]. - Major shareholders have increased their stakes, reflecting confidence in the bank's long-term development [6]. Group 5: Future Outlook - Nanjing Bank is committed to its high-quality development mission, focusing on optimizing financial resource allocation to support sustainable economic growth [6].