Bank of Nanjing (601009) investor relations material

Executive summary

• Achieved steady growth in scale, quality, and efficiency, with total assets up 14.31% year-over-year to ¥2.96 trillion as of Q3 2025.

• Net profit attributable to shareholders rose 8.06% year-over-year to ¥18.00 billion for the first nine months.

• Focused on serving the real economy, innovation, and differentiated development in technology, green, inclusive, pension, and digital finance.

Financial highlights

• Operating income for Q3 2025 was ¥13.47 billion, up 9.12% year-over-year; for the first nine months, ¥41.95 billion, up 8.79%.

• Net profit attributable to shareholders in Q3 was ¥5.39 billion, up 6.26% year-over-year; for the first nine months, ¥18.00 billion, up 8.06%.

• Net cash flow from operating activities for the first nine months was ¥174.52 billion, up 334.07% year-over-year.

• Basic EPS for the first nine months was ¥1.54, down 3.14% year-over-year.

• Cost-to-income ratio improved to 23.27%, down 4.81 percentage points from year-end.

Outlook and guidance

• Will continue to strengthen risk controls, improve asset quality, and focus on high-quality growth in Q4.

• Plans to further enhance digital, green, and inclusive finance, and deepen service to the real economy.