NJBK(SH:601009) Chang Jiang Shang Bao·2026-01-26 01:02Core Viewpoint - Nanjing Bank (601009.SH) continues to show strong performance with significant growth in revenue and net profit for the year 2025, marking eight consecutive years of growth in both metrics. Financial Performance - In 2025, Nanjing Bank achieved operating income of 55.54 billion yuan, a year-on-year increase of 10.48% [1][2] - The net profit attributable to shareholders reached 21.807 billion yuan, growing by 8.08% year-on-year [1][2] - Since 2018, the bank's operating income has increased by 123.6% and net profit by 125.56% over eight years [1][2] Asset Growth - By the end of 2025, Nanjing Bank's total assets surpassed 3 trillion yuan, reaching 3.02 trillion yuan, a year-on-year growth of 16.6% [4] - The bank's loan and deposit balances grew by 13.4% and 11.7% respectively, both maintaining double-digit growth [1][4] Interest Income - Nanjing Bank's net interest income for 2025 was 34.902 billion yuan, reflecting a significant year-on-year increase of 31.08% [3] - The proportion of net interest income in total revenue rose from 52.96% to 62.84% [3] Loan Quality - The non-performing loan (NPL) ratio remained stable at a low level of 0.83%, consistent with the end of Q3 2025 [5][7] - The bank's provision coverage ratio reached 313.31%, indicating strong risk mitigation capabilities [7] Credit Strategy - Nanjing Bank has focused on precise credit allocation, with total loans amounting to 14.2 trillion yuan, a year-on-year increase of 13.37% [6] - The bank has emphasized lending in technology finance, green finance, and inclusive small and micro enterprises, with respective growth rates of 19.49%, 30.08%, and 17.46% [6] Market Position - Nanjing Bank is recognized as a leading city commercial bank in Jiangsu Province, with a strong market presence in bond underwriting and corporate financing [2][7] - The bank's retail financial assets exceeded 1 trillion yuan, with significant growth in private banking and mobile banking user numbers [7]