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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.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.
Why did EPS and ROE decline despite profit growth?
Explain the 48.6% drop in operating cash flow.
Why did personal NPL ratio rise as loans fell?
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Next BANK OF SUZHOU earnings date
Q3 202531 Oct, 2025
Next BANK OF SUZHOU earnings date
Q3 202531 Oct, 2025
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