Bank of Jiangsu (600919) H2 2025 earnings summary

Executive summary

• Achieved record highs in scale, efficiency, and quality, with total assets reaching RMB 4.93 trillion, up 24.78% year-over-year.

• Net profit attributable to shareholders rose 8.35% year-over-year to RMB 34.50 billion; operating income increased 8.82% to RMB 87.94 billion.

• Maintained strong asset quality with a non-performing loan (NPL) ratio of 0.84%, the best since listing, and provision coverage at 322.98%.

• Ranked 56th in the Top 1000 World Banks, up 10 places, and 162nd in the Fortune China 500.

Financial highlights

• Total deposits grew 19.99% year-over-year to RMB 2.54 trillion; total loans increased 17.84% to RMB 2.47 trillion.

• Basic earnings per share (EPS) reached RMB 1.76, up 6.67% year-over-year.

• Net interest income rose 20.66% to RMB 67.52 billion; net fee and commission income up 28.03% to RMB 5.66 billion.

• Cost-to-income ratio increased to 26.67% from 24.73% year-over-year.

• Weighted average return on equity (ROE) was 13.14%.

Outlook and guidance

• Focus on high-quality development, digital transformation, and risk management.

• Continued commitment to serving the real economy, green finance, and inclusive finance.

• Dividend payout ratio maintained at 30% of net profit, with stable and sustainable returns to investors.