Core Viewpoint - Nanjing Bank's 2025 semi-annual report demonstrates robust growth across multiple operational metrics, indicating strong profitability and resilience in a complex environment [1][6]. Financial Performance - As of the end of the reporting period, Nanjing Bank's total assets exceeded 2.9 trillion yuan, marking a nearly 12% increase from the previous year [1][7]. - The bank's deposits reached 1.64 trillion yuan, and loans amounted to 1.38 trillion yuan, with respective growth rates of 9.98% and 10.41% compared to the previous year [1][7]. - In the first half of 2025, Nanjing Bank achieved operating income of 28.48 billion yuan, an increase of 8.64% year-on-year, and a net profit attributable to shareholders of 12.62 billion yuan, up 8.84% year-on-year [6][7]. Capital Strength - The recent successful conversion of "Nanjing Bank Convertible Bonds" at nearly 100% conversion rate, totaling 19.996 billion yuan, set a record for city commercial banks [5][7]. - This conversion significantly enhances the bank's capital strength, providing a solid foundation for future high-quality development [5][7]. Business Segments - Nanjing Bank's corporate banking segment reported a loan balance of 1.06 trillion yuan, increasing by 119.02 billion yuan, or 12.71%, from the beginning of the year [8][11]. - Retail banking revenue reached 7.644 billion yuan, growing 21.40% year-on-year, with personal loans increasing to 331.949 billion yuan, a growth of 3.67% [9][11]. - The financial market segment maintained a steady upward trend, with subsidiaries contributing significantly to overall profitability [10]. Strategic Development - The bank's new five-year strategic plan focuses on developing corporate finance, retail finance, and financial markets, enhancing its comprehensive financial service capabilities [8][12]. - Nanjing Bank is actively optimizing its credit structure, particularly in key sectors such as advanced manufacturing, technology innovation, and green finance, with notable growth in these areas [11][12]. Regional Economic Integration - The bank emphasizes its role in supporting regional economic transformation, with significant increases in loans for green finance, inclusive small and micro enterprises, and technology finance [11][12]. - Nanjing Bank is also enhancing its cross-border financial services, supporting foreign trade small and micro enterprises [11][12]. Unique Business Identity - The bank is developing five distinctive business identities: Science and Technology Bank, Investment Bank, Wealth Bank, Transaction Bank, and Digital Bank, aiming to create a competitive edge [12][13]. - The focus on technology finance has led to a 12% increase in technology finance balance, reaching 166.8 billion yuan [12][13].