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Bank of Nanjing (601009) investor relations material
Bank of Nanjing Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Achieved steady growth in scale, quality, and efficiency, with total assets up 14.31% year-over-year to ¥2.96 trillion and net profit attributable to shareholders rising 8.06% to ¥18.00 billion for the first nine months of 2025.
Focused on serving the real economy, innovation-driven development, and differentiated strategies 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 for Q3 was ¥5.39 billion, up 6.26% year-over-year; for the first nine months, ¥18.00 billion, up 8.06%.
Net interest income for the first nine months rose 28.52% to ¥25.21 billion, while non-interest income fell 11.63% to ¥16.74 billion.
Cost-to-income ratio improved to 23.27%, down 4.81 percentage points from the previous year.
Total loans reached ¥1.41 trillion, up 12.34% from year-end 2024; deposits totaled ¥1.64 trillion, up 9.65%.
Operating cash flow for the first nine months was ¥174.52 billion, up 334.07% year-over-year.
Outlook and guidance
Will continue to strengthen risk management, promote high-quality growth, and focus on innovation and digital transformation.
Plans to further enhance asset quality and operational efficiency in Q4 2025.
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