南京银行发布2025年业绩快报：营收净利保持较高增长，高质量发展韧劲十足

Core Viewpoint - Nanjing Bank has demonstrated strong performance in 2025, with significant growth in total assets, operating income, and net profit, while maintaining a low non-performing loan ratio and high provision coverage [1][2][4]. Group 1: Financial Performance - As of the end of 2025, Nanjing Bank's total assets exceeded 3 trillion yuan, reaching 30,224.24 billion yuan, a year-on-year increase of 16.63% [2]. - The bank achieved operating income of 555.40 billion yuan, reflecting a growth of 10.48% year-on-year [3]. - Net profit attributable to shareholders was 218.07 billion yuan, marking an 8.08% increase compared to the previous year [3]. - The non-performing loan ratio stood at 0.83%, with a provision coverage ratio of 313.31% [4]. Group 2: Business Development - Nanjing Bank has focused on enhancing financial supply in key areas, supporting the real economy, and boosting consumption, which has solidified its operational foundation [2]. - The bank's total deposits reached 16,707.89 billion yuan, an increase of 11.67% year-on-year, while total loans amounted to 14,243.56 billion yuan, growing by 13.37% [2]. - Retail banking has seen rapid growth, with retail customer financial assets surpassing 1 trillion yuan, up 21.23% from the previous year [3]. Group 3: Risk Management - The bank has implemented significant measures to enhance risk control, including vertical reforms in credit approval, resulting in improved asset quality [4]. - The core Tier 1 capital adequacy ratio was reported at 9.31%, providing a solid safety net for sustainable operations [4]. Group 4: Market Performance - Nanjing Bank's capital strength has attracted market attention, with a successful market conversion of 20 billion yuan in convertible bonds, enhancing its capital position [5]. - The bank has seen significant share purchases from major shareholders, totaling over 15 billion yuan, indicating strong confidence in its long-term prospects [5]. - The bank distributed cash dividends totaling 37.857 billion yuan, maintaining a cash dividend rate above 30% for several consecutive years [5].