经济观察报·2025-09-13 08:55Core Viewpoint - The rise of Jiangsu Bank and Ningbo Bank reflects not only their governance and transformation capabilities but also the high-quality development of the regional economy, supported by vibrant private enterprises, quality enterprise clusters, and innovative ecosystems, which provide solid backing for business growth, risk control, and profitability. This new pattern is expected to continue reinforcing the trend of "the strong getting stronger" [2][11][16]. Summary by Sections Jiangsu Bank's Growth - As of June 2025, Jiangsu Bank's total assets grew significantly by 21.16% year-on-year, reaching 4.79 trillion yuan, surpassing Beijing Bank's 4.75 trillion yuan, making it the new leader among city commercial banks [2][4]. - Jiangsu Bank's operating income and net profit exceeded those of Beijing Bank in 2022, with figures of 70.57 billion yuan and 25.39 billion yuan respectively, while Beijing Bank reported 66.28 billion yuan in revenue and 24.76 billion yuan in net profit [4][5]. - The bank's loan and advance balance increased by 16.38% year-on-year, with corporate loans growing by 23.30% [5]. Ningbo Bank's Performance - Ningbo Bank's total assets reached 3.47 trillion yuan as of June 2025, surpassing Shanghai Bank, which had total assets of 3.29 trillion yuan [8][9]. - In the same period, Ningbo Bank's operating income was 37.16 billion yuan, a year-on-year increase of 7.91%, and its net profit was 14.77 billion yuan, up 8.23% [9][10]. Comparison with Other Banks - The competitive landscape has shifted, with Jiangsu Bank and Ningbo Bank overtaking Shanghai Bank, which has fallen from second to fourth place in terms of asset size [9][14]. - The top five city commercial banks by operating income in the first half of 2025 were Jiangsu Bank (44.86 billion yuan), Ningbo Bank (37.16 billion yuan), Beijing Bank (36.22 billion yuan), Nanjing Bank (28.48 billion yuan), and Shanghai Bank (27.34 billion yuan) [10]. Regional Economic Factors - The robust regional economic development, particularly in the Yangtze River Delta, has been a crucial factor supporting the rapid growth of Jiangsu and Ningbo Banks, providing diverse customer bases and business opportunities [15][16]. - The banks' focus on corporate business has been a significant driver of growth, with both banks maintaining low non-performing loan ratios compared to their peers, enhancing their profitability [11][15]. Capital Adequacy - Despite rapid expansion, Jiangsu Bank's capital adequacy ratio faced pressure, standing at 12.36% as of June 2025, with declines in its tier one and core tier one capital ratios [6].