Bank of Jiangsu (600919) H1 2026 earnings summary

Executive summary

• Total assets reached RMB 5.61 trillion as of June 30, 2026, up 13.79% from year-end 2025.

• Net profit attributable to shareholders was RMB 21.88 billion for H1 2026, up 8.09% year-over-year.

• Operating income for H1 2026 was RMB 48.95 billion, a 9.11% increase year-over-year.

• The bank maintained a strong capital position and stable asset quality.

Financial highlights

• Net interest income rose to RMB 36.89 billion, up 12.00% year-over-year.

• Fee and commission income was RMB 4.24 billion, with net fee and commission income at RMB 3.19 billion.

• Cost-to-income ratio was 20.43%, remaining at a reasonable level.

• Non-performing loan (NPL) ratio improved to 0.81%, with provision coverage at 304.83%.

• Basic and diluted EPS were both RMB 1.13, up 9.71% year-over-year.

• Return on average equity (annualized) was 15.72%; return on average assets (annualized) was 0.87%.

• Net assets attributable to shareholders reached RMB 351.34 billion, up 3.96% from year-end 2025.

Outlook and guidance

• The bank will continue to focus on supporting the real economy, optimizing business structure, and enhancing risk management.

• Plans to further strengthen digital transformation, ESG initiatives, and green finance.

• Dividend policy remains stable, with mid-year dividend plans to be determined based on profitability and cash flow.