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BANK OF SUZHOU (2966) investor relations material

BANK OF SUZHOU H1 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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H1 2025 earnings summary29 Aug, 2025

Executive summary

  • Total assets reached ¥754.97 billion as of June 30, 2025, up 8.83% from year-end 2024, with deposits and loans growing 10.98% and 9.04% respectively.

  • Net profit for H1 2025 was ¥3.24 billion, a 6.41% increase year-over-year; net profit attributable to shareholders was ¥3.13 billion, up 6.15%.

  • Asset quality remained stable with an NPL ratio of 0.83% and provision coverage at 437.91%.

  • Capital adequacy ratios were robust: core tier-1 at 9.87%, tier-1 at 11.67%, and total capital at 14.57%.

  • The bank continued to expand in key business areas, including green finance, technology, and cross-border services.

Financial highlights

  • Operating income for H1 2025 was ¥6.50 billion, up 1.81% year-over-year.

  • Operating profit reached ¥3.80 billion, up 6.11% year-over-year.

  • Net interest income grew 2.72% to ¥4.26 billion, while net interest margin declined to 1.33%.

  • Fee and commission income rose 7.53% to ¥773 million; net fee and commission income increased 9.00%.

  • Cost-to-income ratio improved to 30.51% from 36.79% a year earlier.

  • Cash flow from operating activities was ¥16.27 billion, down 48.60% year-over-year.

Outlook and guidance

  • The bank aims to maintain steady growth in assets and profitability, focusing on high-quality development and risk control.

  • Continued emphasis on digital transformation, green finance, and cross-border business expansion.

  • Management expects stable asset quality and capital adequacy, with ongoing improvements in risk management and operational efficiency.

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