Bank of Nanjing (601009) investor relations material

Executive summary

• Achieved robust growth in both scale and profitability in H1 2026, with total assets up 7.13% and net profit attributable to shareholders up 8.17% year-over-year.

• Maintained strong asset quality, with non-performing loan (NPL) ratio at 0.82%, and capital adequacy ratio at 13.02%.

• Continued strategic focus on high-quality development, digital transformation, and risk management.

Financial highlights

• Operating income reached RMB 31.60 billion, up 10.94% year-over-year.

• Net profit attributable to shareholders was RMB 13.65 billion, up 8.17% year-over-year.

• Net interest income increased 40.19% year-over-year, while non-interest income declined 24.73%.

• Total assets stood at RMB 3.24 trillion as of June 30, 2026.

• Loans totaled RMB 1.57 trillion, up 10.07% from year-end 2025; deposits reached RMB 1.83 trillion, up 9.29%.

• Basic EPS was RMB 1.10.

Outlook and guidance

• Will continue to focus on high-quality growth, digital transformation, and risk management.

• Plans to further strengthen AI and digital capabilities, deepen regional and sectoral focus, and maintain prudent risk controls.

• Expects continued support for real economy, green finance, and innovation-driven sectors.