The most "prominent" bank third-quarter report so far, NJBK continued to achieve "double growth in revenue and profit" in the first three quarters

On the evening of October 27, NJBK disclosed its third-quarter report. This is the most outstanding quarterly report among the listed banks that have released their third-quarter reports so far in terms of revenue and net profit growth rates. According to the data, in the first three quarters of 2025, NJBK achieved operating income of 41.949 billion yuan, an increase of 8.79% compared to the same period last year, and realized a net profit attributable to shareholders of the listed company of 18.005 billion yuan, an increase of 8.06% compared to the same period last year. Despite facing challenges from a sluggish bond market, NJBK still achieved significant growth in revenue and net profit. How did they accomplish this? Additionally, on the same day as the quarterly report was released, NJBK also disclosed its mid-term profit distribution plan for 2025, proposing a cash dividend of 3.062 yuan (tax included) for every 10 shares. Strong Performance in Net Interest Income Data shows that in the first three quarters of 2025, NJBK achieved operating income of 41.949 billion yuan, an increase of 8.79% compared to the same period last year. Specifically, it achieved net interest income of 25.207 billion yuan, an increase of 28.52% compared to the same period last year, accounting for 60.09% of operating income; it achieved non-interest net income of 16.742 billion yuan, a decrease of 11.63% compared to the same period last year, accounting for 39.91% of operating income; the cost-to-income ratio was 23.27%, a decrease of 4.81 percentage points compared to the end of last year. In the first three quarters of 2025, NJBK achieved a net profit attributable to shareholders of the listed company of 18.005 billion yuan, an increase of 8.06% compared to the same period last year. Clearly, the strong performance of net interest income and relatively good cost control provided substantial support for revenue. Strong Performance in Corporate Business The third-quarter report also showed that by the end of the third quarter of 2025, NJBK's total assets reached 2.96 trillion yuan, an increase of 370.908 billion yuan compared to the end of last year, with a growth rate of 14.31%; total liabilities reached 2.75 trillion yuan, an increase of 347.373 billion yuan compared to the end of last year, with a growth rate of 14.48%; total deposits reached 1.64 trillion yuan, an increase of 144.383 billion yuan compared to the end of last year, with a growth rate of 9.65%; total loans reached 1.41 trillion yuan, an increase of 155.083 billion yuan compared to the end of last year, with a growth rate of 12.34%. Asset expansion is also in a healthy growth channel. In terms of corporate business, as of the end of the reporting period, the balance of corporate loans was 1.07 trillion yuan, an increase of 14.63% compared to the end of last year, among which the balances of green finance, technology finance, inclusive finance, and agricultural loans increased by 33.03%, 17.47%, 16.16%, and 7.80% respectively compared to the end of last year. At the same time, corporate finance is guided by customer growth, with the number of real economy credit customers increasing by 34.90% compared to the end of last year, and the balance of medium and long-term loans in the manufacturing industry increasing by 31.56% compared to the end of last year Overall, the five major articles covering areas such as green finance, technology finance, and inclusive finance have performed well, especially the rapidly growing green finance business, which is also a "bonus item" for Nanjing Bank's performance in the first three quarters. Retail Customer "Expansion and Quality Improvement" In the retail financial sector, Nanjing Bank has shown a state of expanding and improving the quality of retail customers. As of the end of the reporting period, the number of retail valued customers increased by 18.31% compared to the end of last year, wealth customers increased by 16.31%, private banking customers increased by 15.43%, and the number of mobile banking App users increased by 19.39%. As of the end of the reporting period, the scale of retail financial assets reached CNY 968.695 billion, an increase of CNY 141.752 billion compared to the end of last year, with a growth rate of 17.14%; the company's personal deposit balance was CNY 565.175 billion, an increase of CNY 88.677 billion compared to the end of last year, with a growth rate of 18.61%; the interest rate on personal deposits decreased by 26 basis points compared to the end of last year. As of the end of the reporting period, the company's personal loan balance reached CNY 338.347 billion, an increase of CNY 18.152 billion compared to the end of last year, with a growth rate of 5.67%. The quality of retail assets has continued to improve marginally, with the parent company's personal loan non-performing ratio at 1.33%, a decrease of 10 percentage points compared to the end of the previous quarter. Nanjing Bank is promoting the standardized and integrated construction of the retail marketing team, deepening the integration of retail business and digitalization, and continuously enhancing the revenue generation of the retail team and institutions. As of the end of the reporting period, the retail sector achieved revenue of CNY 11.702 billion, a year-on-year growth rate of 22.10%, of which the agency distribution revenue grew by 47.42% year-on-year. The retail sector achieved a profit of CNY 1.622 billion, with significant growth in revenue generation. Interim Dividend of Nearly CNY 3.8 Billion It is worth mentioning that Nanjing Bank also disclosed its interim profit distribution plan for 2025 on the same day. After the board's review, Nanjing Bank's interim profit distribution plan for 2025 is as follows: based on the total share capital of the company's ordinary shares, a cash dividend of CNY 3.062 per 10 shares (including tax) will be distributed to all ordinary shareholders, totaling CNY 3.7857 billion, accounting for 30.00% of the net profit attributable to the shareholders of the listed company in the consolidated financial statements. After the distribution is completed, the undistributed profits will be carried forward to future distributions. Risk Warning and Disclaimer The market has risks, and investment requires caution. This article does not constitute personal investment advice and does not take into account the specific investment objectives, financial conditions, or needs of individual users. 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