2025年A股上市银行三季报已悉数披露，在宏观经济稳步复苏的背景下，银行业整体交出了一份"总量稳、结构优、分化显"的成绩单。 纵观前三季度，上市银行营业收入保持稳健增长，净利润整体平稳，彰显出行业极强的经营韧性。然而，作为盈利核心驱动力的净息差指标普遍承压 收窄，持续对银行业盈利模式构成挑战。 尤为引人注目的是，不同类型的银行在应对共同压力时，策略成效显著分化，国有大行发挥"压舱石"作用，而部分股份制银行与扎根区域的城农商行 则凭借差异化竞争实现韧性增长。 营收增长韧性凸显 2025年前三季度，超六成A股上市银行实现营业收入同比正增长，这背后是银行业在支持实体经济过程中，通过优化资产结构、发力非息业务取得的 成效。然而，细究起来，增长的动力源和强度在不同体量的银行间呈现出清晰的结构性分化。 | 银行名称 | 2025年前三季度营收(亿元) | | 营收同比增幅 2025年前三季度净利润(亿元) | 净利润同比增幅 | | --- | --- | --- | --- | --- | | 工商银行 | 6400.28 | 2.17% | 2718.82 | 0.52% | | 建设银行 | 5737.02 | 0 ...

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]