Core Insights - Jiangyin Bank reported a total operating income of 3.204 billion yuan for the first three quarters of 2025, representing a year-on-year growth of 6.17% [1] - The net profit attributable to shareholders reached 1.278 billion yuan, with a year-on-year increase of 13.38%, outpacing revenue growth [1] - The bank's total assets as of September 2025 amounted to 208.042 billion yuan, a growth of 3.90% from the beginning of the year [1] Financial Performance - The net profit after excluding non-recurring gains and losses was 1.229 billion yuan, reflecting a year-on-year growth of 14.94% [1] - The bank's total deposits increased by 13.247 billion yuan to 165.073 billion yuan, marking an 8.73% growth [1] - Total loans grew by 7.828 billion yuan to 131.957 billion yuan, with a growth rate of 6.31% [1] Asset Quality - The non-performing loan ratio decreased to 0.85%, down by 0.01 percentage points from the beginning of the year, significantly lower than the industry average [1] - Normal loans accounted for 97.97% of total loans, an increase of 0.05 percentage points, while the proportion of attention-class loans fell to 1.18%, a decrease of 0.04 percentage points [1] Interest Margin and Capital Adequacy - In a challenging interest margin environment, Jiangyin Bank's net interest margin stabilized at 1.56%, with a net interest spread of 1.39%, up by 2 basis points from the previous half [2] - The bank's provision coverage ratio stood at 371.91%, and the capital adequacy ratio was 14.92%, both meeting regulatory standards [2]