锚定目标，以考核导向点燃攻坚动能。财富客户新增是省行"重点客群攻坚赛"的核心考核指标，该行在 考核方案中适当提升财富客户增量的计价、提升网点员工基础动力，并将该项指标纳入网点负责人和理 财经理的履职考核、强化营销人员责任意识，设置"客户提质能手"荣誉称号，激发团队竞争活力。此 外，该行各网点将考核压力传导至全员，要求柜员、大堂经理每日都要向理财经理推荐意向客户，形 成"人人扛指标、全员促增量"的攻坚氛围。 江南时报讯 2025年以来，工行南通如皋支行紧扣省分行重点客群攻坚赛部署，以分行财富运维清单为 指引，通过精准考核激励、精细分层维护、专业队伍锻造有效激活财富业务高质量发展引擎。截至2025 年11月末，该行财富客户数较年初净增300户，增量同比增长达36%。 淬炼队伍、以专业能力护航攻坚实效。该行利用周例会时间对网点负责人和理财经理进行金融产品、业 务流程的培训，安排员工两两进行模拟营销、运用行外吸金话术进行异议处理，共同提升营销技能。定 期组织财富客户提质较少的网点进行复盘，同时安排优秀的理财经理进行案例分享，帮助大家快速找到 自己的短板、有的放矢进行整改，加快落地营销成果。 精准施策，以运维清单深化分 ...

Core Viewpoint - Both Ningbo Bank and Nanjing Bank have shown over 8% growth in revenue and net profit in the first three quarters of 2025, despite the ongoing pressure in the banking sector [1] Financial Performance - Ningbo Bank reported operating income of 54.976 billion yuan, a year-on-year increase of 8.32%, and a net profit of 22.445 billion yuan, up 8.39% [1] - Nanjing Bank achieved operating income of 41.949 billion yuan, a year-on-year growth of 8.79%, and a net profit of 18.005 billion yuan, an increase of 8.06% [1] - Ningbo Bank's total assets reached 3.58 trillion yuan, while Nanjing Bank's total assets were 2.96 trillion yuan as of the end of Q3 2025 [1][5] Business Segments - Corporate banking significantly contributed to revenue, with Nanjing Bank's corporate loans reaching 1.07 trillion yuan, a growth of 14.63% year-on-year [2] - Ningbo Bank's corporate loans accounted for 69% of total loans, while personal loans decreased to 31% [6] - Nanjing Bank's personal loans grew by 11% year-on-year, but the growth rate was lower than that of corporate loans [6] Cost Management - Nanjing Bank's cost-to-income ratio improved to 23.27%, a decrease of 4.81 percentage points year-on-year [3] - Ningbo Bank's cost-to-income ratio was 30.68%, stable compared to the previous quarter [3] Asset Quality - Nanjing Bank maintained a non-performing loan (NPL) ratio of 0.83% and a provision coverage ratio of 313.22% [4] - Ningbo Bank's NPL ratio was 0.76%, with a provision coverage ratio of 375.92%, indicating strong risk mitigation [4] Investment Income - Both banks experienced a decline in investment income due to market volatility, impacting overall revenue [7] - Despite the drop in non-interest income, both banks saw significant growth in commission and fee income, particularly in retail banking [7][8] Wealth Management - Ningbo Bank reported a substantial increase in net fee income, growing by 94.02% year-on-year in Q3 [8] - Nanjing Bank's retail banking segment achieved a revenue growth of 22.10%, with a notable increase in wealth management clients [7][8]

Group 1 - The CEO of Citigroup expressed optimism about clients becoming more active in mergers and acquisitions [1] - There is excitement regarding wealth management opportunities in the Gulf region [1]

Group 1 - The core viewpoint is that private asset management within wealth management is experiencing double-digit growth [1] Group 2 - Goldman Sachs' President John Waldron highlighted the significant growth in private asset management, indicating a strong trend in the wealth management sector [1]