Core Viewpoint - Jiangyin Bank reported a steady growth in its financial performance for the first half of 2025, with significant increases in revenue and net profit, while maintaining strong asset quality and capital adequacy ratios [1][2][3] Financial Performance - The bank achieved total operating revenue of 2.401 billion yuan, a year-on-year increase of 10.45% [1] - Net profit attributable to shareholders reached 846 million yuan, up 16.63% year-on-year [1] - Net profit after deducting non-recurring gains and losses was 827 million yuan, reflecting a growth of 21.26% [1] - Total assets amounted to 207.577 billion yuan, growing by 3.67% since the beginning of the year [1] - Total deposits reached 162.176 billion yuan, an increase of 6.82% [1] - Total loans stood at 131.420 billion yuan, up 5.87% [1] Asset Quality - The non-performing loan ratio remained low at 0.86%, unchanged from the beginning of the year [1] - Provision coverage ratio improved to 381.22%, an increase of 11.9 percentage points [1] - Capital adequacy ratio was 14.89%, with a tier 1 capital ratio of 13.75% and a core tier 1 capital ratio of 13.74%, all significantly above regulatory requirements [1] - Liquidity ratio was 84.33%, and liquidity matching ratio was 156.55%, indicating strong liquidity management [1] Business Development - The bank focuses on serving the real economy, emphasizing areas such as technological innovation, green finance, inclusive finance, and rural revitalization, with related loan growth outpacing the overall average [2] - The "Three Platforms and Six Positions" credit model reform has led to a fully paperless process for personal microloans, reducing the time from credit approval to usage to one hour [2] - The bank has accelerated its scene finance layout, successfully launching platforms and applications to enhance embedded financial service capabilities [2] - The "e-operation" series products effectively meet the short-term financing needs of small business owners and individual entrepreneurs, with personal operating loans increasing by 452 million yuan since the end of last year [2] Transformation and Strategy - The bank is advancing its transformation path with a focus on centralized management and innovative branch operations, establishing six major business centers to enhance cross-departmental collaboration [2] - The cost-to-income ratio improved to 23.74%, a decrease of 6.41 percentage points from the previous year, reflecting effective management [2] - The bank plans to continue its "12458" strategic framework, promoting reform and innovation while enhancing overall operational quality and market image [3] - The board has proposed to authorize a mid-term dividend plan for 2025 to further reward investors [3]

登录新浪财经APP 搜索【信披】查看更多考评等级 证券代码：002807 证券简称：江阴银行 公告编号：2025-026 本半年度报告摘要来自半年度报告全文，为全面了解本公司的经营成果、财务状况及未来发展规划，投 资者应当到巨潮资讯网（www.cninfo.com.cn）仔细阅读半年度报告全文。 一、重要提示 1、本行董事会、监事会及董事、监事、高级管理人员保证半年度报告内容的真实、准确、完整，不存 在虚假记载、误导性陈述或者重大遗漏，并承担个别和连带的法律责任。 2、本行于2025年8月14日召开了江苏江阴农村商业银行股份有限公司第八届董事会第十次会议，应出席 董事13名，实到董事13名，以现场和通讯表决方式审议通过了关于《2025年半年度报告》及摘要的议 案。 3、本行董事长宋萍、行长倪庆华、主管会计工作负责人王安国及会计机构负责人常惠娟声明：保证半 年度报告中财务报告的真实、准确、完整。 4、本半年度报告所载财务数据及指标按照《企业会计准则》编制，除特别说明外，均为本行及控股子 公司的合并报表数据，货币单位以人民币列示。 5、本报告涉及未来计划等前瞻性陈述不构成本行对投资者的承诺，投资者及相关人士均应当 ...