Bank of Suzhou (002966) Q3 2025 earnings summary

Executive summary

• Total assets reached RMB 776.04 billion as of September 30, 2025, up 11.87% from year-end 2024; total liabilities increased 11.93% to RMB 714.62 billion.

• Loans grew 10.56% year-to-date to RMB 368.55 billion, and deposits rose 13.08% to RMB 471.52 billion.

• Net profit attributable to shareholders for the first nine months was RMB 4.48 billion, up 7.12% year-over-year.

• Operating income for the first nine months was RMB 9.48 billion, a 2.02% increase year-over-year.

Financial highlights

• Q3 operating income: RMB 2.97 billion, up 2.49% year-over-year; net profit attributable to shareholders: RMB 1.34 billion, up 9.45%.

• Basic EPS for the first nine months: RMB 0.96, down 11.11% year-over-year; diluted EPS: RMB 0.95, up 2.15%.

• Net cash flow from operating activities for the first nine months: RMB 28.07 billion, up 15.98% year-over-year.

• Non-recurring profit and loss for the first nine months: RMB 29.77 million.

Outlook and guidance

• Major shareholder and related parties plan to increase holdings by at least RMB 400 million within six months from July 2025, reflecting confidence in future prospects.