Core Viewpoint - Jiangsu Bank is committed to high-quality development, focusing on stability and progress while adhering to regulatory policies and market performance [3] Group 1: Asset Growth - Total assets reached 4.79 trillion yuan, an increase of 21.16% compared to the end of the previous year [4] - Total deposits amounted to 2.54 trillion yuan, growing by 20.22% year-on-year [4] - Total loans reached 2.43 trillion yuan, reflecting a year-on-year growth of 15.98% [4] Group 2: Operating Performance - Operating income increased to 44.864 billion yuan, a year-on-year growth of 7.78% [5] - Net profit attributable to shareholders rose to 20.238 billion yuan, marking an 8.05% increase [5] - Annualized ROE (Return on Equity) stood at 15.64% and annualized ROA (Return on Assets) at 0.96% [5] Group 3: Asset Quality - Non-performing loan ratio improved to 0.84%, down by 0.05 percentage points from the end of the previous year, achieving a historical low [6] - Provision coverage ratio was 331.02%, indicating strong risk mitigation capabilities [6] - The proportion of special mention loans decreased to 1.24%, down by 0.16 percentage points year-on-year [6] Group 4: Business Structure Optimization - Corporate deposits reached 1.4197 trillion yuan, increasing by 22.20% compared to the previous year [8] - Corporate loans amounted to 1.625 trillion yuan, reflecting a growth of 23.30% [8] - Inclusive small and micro loans reached 235.8 billion yuan, with a new addition of 25.3 billion yuan [11] Group 5: Retail Business Achievements - Personal deposits grew to 948.4 billion yuan, a year-on-year increase of 15.25% [14] - Personal loans reached 695.5 billion yuan, with a new addition of 20.7 billion yuan [15][16] - Retail AUM (Assets Under Management) surpassed 1.59 trillion yuan, setting a new historical high [19][20] Group 6: Financial Market Development - Financial investment assets totaled 1.8833 trillion yuan, up by 23.38% from the previous year [23] - Custody assets reached 5.06 trillion yuan, reflecting a growth of 7.32% [23] - The bank maintained a leading position in public fund custody scale among city commercial banks [23] Group 7: Subsidiary Performance - The total assets of "Suyin Financial Leasing" reached 142.8 billion yuan [24] - "Suyin Wealth Management" managed financial products totaling 745.384 billion yuan [27] - "Suyin Consumer Finance" reported total assets of 63.037 billion yuan [29]
2025年江苏银行半年报一图速览