Bank of Jiangsu (600919) Q3 2025 earnings summary

Executive summary

• Total assets reached ¥4.93 trillion at Q3-end, up 24.68% from the start of the year.

• Net profit attributable to shareholders for the first nine months was ¥30.58 billion, up 8.32% year-over-year.

• Operating income for the first three quarters was ¥67.18 billion, up 7.83% year-over-year.

• Non-performing loan (NPL) ratio declined to 0.84%, with provision coverage at 322.62%.

Financial highlights

• Net interest income for the first three quarters was ¥49.87 billion, up 19.61% year-over-year.

• Net fee and commission income reached ¥4.55 billion, up 19.97% year-over-year.

• Basic and diluted EPS for the first nine months was ¥1.59, up 6.00% year-over-year.

• Cash flow from operating activities for the first nine months was ¥401.95 billion, a significant increase from the prior year.

Outlook and guidance

• Management highlights strong risk compensation capacity and stable asset quality.

• Liquidity coverage ratio at 191.81% and capital adequacy ratio at 12.47% indicate robust financial health.