Core Viewpoint - Jiangyin Bank reported a strong performance in the first half of 2025, with revenue and net profit showing significant year-on-year growth, driven by a substantial increase in non-interest income [7][8]. Financial Performance - In the first half of 2025, Jiangyin Bank achieved revenue of 2.4 billion, a year-on-year increase of 10.5%, and a net profit attributable to shareholders of 850 million, up 16.6% [7]. - The return on average equity (ROAE) improved to 8.98%, an increase of 0.5 percentage points year-on-year [7]. Revenue Composition - The growth rates for revenue, pre-provision profit, and net profit were 10.5%, 14.7%, and 16.6% respectively, with improvements from the first quarter [8]. - Net interest income and non-interest income growth rates were -0.2% and 30.3%, respectively, with non-interest income showing a significant acceleration [8]. Loan and Deposit Trends - As of the end of Q2 2025, the growth rates for interest-earning assets and loans were 3.2% and 7%, showing a slight decline from the previous quarter [9]. - New loans added in the first half totaled 7.3 billion, a decrease of 200 million year-on-year, while deposits increased by 10.4 billion, up 1.6 billion year-on-year [9]. Net Interest Margin (NIM) - The net interest margin increased by 3 basis points to 1.54% in the first half of 2025, despite a decline in asset yields due to competitive pressures and lower demand [10]. Non-Interest Income Growth - Non-interest income reached 1 billion, reflecting a year-on-year increase of 30%, contributing to 41% of total revenue [11]. Asset Quality - As of the end of Q2 2025, the non-performing loan (NPL) ratio was 0.86%, remaining stable, while the attention rate slightly increased to 1.1% [12]. Capital Adequacy - The capital adequacy ratios as of the end of Q2 2025 were 13.7% for core tier 1, 13.8% for tier 1, and 14.9% for total capital, indicating a strong capital position [13].