Bank of Jiangsu (600919) H2 2025 earnings summary

Executive summary

• Total assets reached RMB 4.93 trillion at year-end 2025, up 24.78% year-over-year; deposits grew 19.99% and loans rose 17.84%.

• Operating income was RMB 87.94 billion, up 8.82% year-over-year; net profit attributable to shareholders was RMB 34.50 billion, up 8.35%.

• ROE was 13.14% and ROA was 0.82%, both slightly lower than the previous year.

• Non-performing loan (NPL) ratio dropped to 0.84%, the best since listing; provision coverage ratio was 322.98%.

• Ranked 56th in The Banker’s Global 1000 Banks, up 10 places year-over-year.

Financial highlights

• Net interest income increased 20.66% year-over-year to RMB 67.52 billion.

• Fee and commission net income rose 28.03% to RMB 5.66 billion.

• Cost-to-income ratio was 26.67%, up 1.94 percentage points year-over-year.

• Basic and diluted EPS were RMB 1.76, up 6.67% year-over-year.

• Net cash flow from operating activities surged to RMB 560.65 billion.

Outlook and guidance

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

• 2026 marks the start of the 15th Five-Year Plan and the bank’s 10th anniversary of listing, with a commitment to sustainable development and shareholder returns.