Bank of Nanjing (601009) investor relations material

Executive summary

• 9M 2026 revenue rose 12.49% YoY to RMB 47.19bn; attributable net profit increased 8.03% to RMB 19.45bn. Q3 revenue grew 15.78% and net profit 7.70% YoY.

• At Sep. 30, 2026, total assets were RMB 3,286.76bn, up 8.77% from year-end 2025; loans rose 10.14% and deposits 8.90%.

• Quarterly financial statements were unaudited.

Financial highlights

• 9M net interest income increased 32.12% YoY to RMB 33.30bn, representing 70.57% of revenue; net fee and commission income was RMB 3.18bn.

• 9M attributable net profit excluding non-recurring items was RMB 19.49bn, up 9.05% YoY; reported attributable net profit was RMB 19.45bn, up 8.03%.

• Q3 basic and diluted EPS were RMB 0.45, each up 7.14% YoY; 9M basic EPS was RMB 1.56, up 1.30% YoY.

• 9M operating cash flow was RMB 105.13bn, down 39.76% YoY, attributed to lower sell-and-repurchase financial asset business volume.

• 9M credit impairment losses were RMB 14.25bn versus RMB 9.99bn a year earlier; operating expenses totaled RMB 24.12bn versus RMB 20.47bn.

Outlook and guidance

• Q4 priorities include controlling new risk exposure and resolving existing risks, with the aim of keeping overall asset quality stable.