Bank Of Jiangsu(SH:600919) 21世纪经济报道·2025-08-22 15:33Core Viewpoint - Jiangsu Bank has demonstrated strong performance in its 2025 semi-annual report, achieving significant growth in revenue and net profit amidst a challenging industry environment, highlighting its commitment to high-quality development and effective risk management [1][4]. Financial Performance - The bank reported a total revenue of 448.64 billion yuan, a year-on-year increase of 7.78%, and a net profit attributable to shareholders of 202.38 billion yuan, up 8.05% year-on-year [2][3]. - As of June 30, 2025, total assets reached 47.9 trillion yuan, growing 21.16% from the end of the previous year, with total deposits at 25.4 trillion yuan (up 20.22%) and total loans at 24.3 trillion yuan (up 15.98%) [3][4]. Business Development - Jiangsu Bank's asset growth rate improved by 8.32 percentage points compared to the first quarter, with loan growth accelerating by 8.02 percentage points [4]. - The bank's net interest income was 329.39 billion yuan, reflecting a 19.10% increase, while net fee and commission income reached 31.86 billion yuan, up 5.15% [4]. Industry Ranking - Jiangsu Bank improved its ranking to 56th in the 2025 Global Bank 1000 list published by The Banker, rising 10 places from the previous year, and ranked 162nd in the Fortune China 500 list, maintaining its position as the top city commercial bank in the country [4]. Loan Portfolio - The bank's loan balance reached 24.3 trillion yuan, with corporate loans at 16.25 trillion yuan (up 22.20%) and personal loans at 6.955 trillion yuan, which included an increase of 20.7 billion yuan [6][7]. Support for Key Industries - Jiangsu Bank has focused on supporting the manufacturing sector, with loans to manufacturing enterprises totaling 360.6 billion yuan, a growth of 18.90%, representing 22.20% of corporate loans [7]. - The bank has also engaged in technology finance initiatives, participating in the "Su Ke Loan" program and providing over 10,000 services to enterprises [8]. Green Finance Initiatives - The bank's green financing scale exceeded 720 billion yuan, a growth of 32.1%, with green assets accounting for over 16.4% of total assets, an increase of 1.4 percentage points [8]. Inclusive Finance - Jiangsu Bank has expanded its inclusive finance services, with micro-loan balances exceeding 750 billion yuan and inclusive micro-loans at 235.8 billion yuan, adding 25.3 billion yuan since the end of the previous year [9]. Consumer Finance Growth - The bank launched a consumption promotion initiative, resulting in 139,400 new consumer loan customers, 1.88 times the number from the previous year, with green consumer loans increasing by 36% [10]. Risk Management - The non-performing loan ratio improved to 0.84%, down from 0.89% at the end of the previous year, marking the best level since the bank's listing [11][12]. - The bank has upgraded its risk management system, enhancing its internal control mechanisms and expanding its risk management framework [12]. Market Recognition - Jiangsu Bank's stock price increased by 20.97% year-to-date, outperforming the banking sector, and it was included in the FTSE China A50 Index, becoming the only city commercial bank in this index [14][15]. - The bank's management has shown confidence in its future growth, completing a voluntary share buyback plan ahead of schedule [16].