截至2025年9月末，九江银行总资产达5213.34亿元，同比增加2.61%。其中，发放贷款和垫款3249.64亿 元，同比增长4.82%，占总资产62.33%；金融投资1485.36亿元，同比增加2.32%，占总资产28.49%。 负债合计4788.52亿元，同比增加2.92%。其中，客户存款3967.29亿元，同比增长6.49%，存款增速高于 贷款总额。 10月31日，九江银行发布2025年三季度信息披露报告。数据显示，2025年前三季度，九江银行实现营收 80.3亿元，同比下滑4.04%；净利润8.66亿元，同比增速由上半年-36.08%回升至3.94%。 同日，九江银行发布增资计划，拟发行不超过8.6亿股内资股和1.75亿股H股，募集资金用于补充核心一 级资本，增强风险抵御能力。若此次增发完成，九江银行总股本将增至38.82亿股，增幅达36.4%。 营收、净利润增速"一负一正" 2025年前三季度，九江银行实现营收80.3亿元，同比下滑4.04%；净利润8.66亿元，同比增长3.94%，净 利润增速由上半年-36.08%回正。 利息净收入是九江银行营收的主要来源，前三季度该项收入为64.6亿元，同比减 ...

长三角地区A股上市城商行2025年三季报已悉数披露，江苏银行、宁波银行、上海银行、南京银行、杭 州银行5家头部机构凭借区位优势持续扩容，但业绩增速、业务结构与资产质量的分化态势依旧明显。 从资产规模看，截至2025年9月末，江苏银行以4.93万亿元的资产总额占据城商行"一哥"位置，同比增 速达27.8%；宁波银行资产总额首次突破3.5万亿元关口，在全国城商行中排名仅次于江苏银行、北京银 行；上海银行"掉队"现象还在持续，总资产同比增速不足3%，而其余4家城商行均实现双位数增长。 业绩方面，5家城商行前三季度营收、净利润同比均实现双增。其中，江苏银行、宁波银行、南京银行 营收和净利润均位列前三；上海银行营收、净利润均被南京银行超越，杭州银行净利润增速第一，但营 收增速排名最后。 营收、净利润均实现双增 上海银行被南京银行超越 2025年前三季度，5家在A股上市的长三角头部城商行业绩继续保持鲜明的梯次特征，而位次仍在变动 之中。 从营收规模看，江苏银行（671.8亿元）、宁波银行（549.8亿元）、南京银行（419.5亿元）位居前三， 上海银行（411.4亿元）和杭州银行（288.8亿元）依次跟随。营收增速呈现头 ...

Core Insights - Beijing Bank and Shanghai Bank have maintained their positions in the top three of domestic city commercial banks by total assets, with Beijing Bank ranking first and Shanghai Bank third as of the end of 2024 [2][4][6] - Both banks reported revenue growth of approximately 4.8% in 2024, but Shanghai Bank's net profit growth of 4.4% surpassed Beijing Bank's modest increase of 0.6% [6][7] - The performance disparity is attributed to Shanghai Bank's superior cost control and financial investment strategies, which significantly contributed to its revenue growth [8][10] Financial Performance - In 2024, Beijing Bank's total assets reached 4.22 trillion yuan, while Shanghai Bank's total assets were 3.23 trillion yuan, with the latter's growth rate of 4.6% being the lowest among the top five city commercial banks [4][6] - Beijing Bank's revenue was 69.92 billion yuan and net profit was 25.89 billion yuan, while Shanghai Bank reported revenue of 52.99 billion yuan and net profit of 23.56 billion yuan [5][6] - The average net interest margin for Beijing Bank was 1.47%, while Shanghai Bank's was lower at 1.17%, indicating a competitive disadvantage for Shanghai Bank in interest income [7][11] Asset Quality and Risk Management - As of the end of 2024, Beijing Bank's non-performing loan (NPL) ratio was 1.31%, higher than Shanghai Bank's 1.18%, although the latter faces potential recognition gaps exceeding 10 billion yuan [11][12] - Beijing Bank's credit impairment losses were 20.1 billion yuan, accounting for 28.8% of its revenue, while Shanghai Bank's losses were 12.45 billion yuan, representing 23.5% of its revenue [11][12] - The asset quality of both banks has shown improvement, but Shanghai Bank's approach to recognizing non-performing loans is more lenient compared to Beijing Bank [13] Operational Efficiency - In terms of employee efficiency, Shanghai Bank outperformed Beijing Bank, with per capita revenue and profit significantly higher [8][10] - Shanghai Bank's operating cost as a percentage of revenue was 23.8%, compared to Beijing Bank's 29.1%, highlighting better cost management at Shanghai Bank [10] - Both banks are investing in digital transformation to enhance operational efficiency and risk management [10]