Bank of Jiangsu (600919) Q3 2026 earnings summary

Executive summary

• Q3 2026 revenue was RMB 27,126,965 thousand, up 21.54% YoY; attributable net profit was RMB 11,219,063 thousand, up 8.46% YoY.

• 9M revenue rose 13.24% YoY to RMB 76,078,709 thousand; unaudited financial statements covered the period ended Sept. 30, 2026.

Financial highlights

• 9M profit before tax was RMB 40,158,006 thousand, up 11.25% YoY; attributable net profit was RMB 33,094,710 thousand, up 8.21%.

• 9M adjusted attributable net profit, excluding non-recurring items, was RMB 32,948,417 thousand, up 8.03% YoY; non-recurring gains totaled RMB 146,293 thousand.

• 9M basic and diluted EPS were RMB 1.73, up 8.81% YoY; Q3 EPS was RMB 0.60, up 9.09%.

• Sept. 30 deposits were RMB 2,946,269,695 thousand, up 16.05% from year-end; loans were RMB 2,779,801,828 thousand, up 12.59%, and total assets rose 13.68%.

• 9M operating cash flow was RMB 213,131,225 thousand, down 46.98% YoY.

Key financial ratios and metrics

• 9M annualized ROE was 15.83%, down 0.04 percentage points YoY; annualized ROA was 0.87%, down 0.09 percentage points.

• Sept. 30 core Tier 1, Tier 1 and total capital adequacy ratios were 8.86%, 11.35% and 12.56%; leverage ratio was 6.03%.

• NPL ratio was 0.81%, down from 0.84% at year-end; overdue ratio improved to 1.10% from 1.17%.

• Provision coverage was 316.70%, versus 322.98% at year-end; liquidity ratio was 131.66%, up from 121.42%, and liquidity coverage ratio was 170.40%.

• 9M cost-to-income ratio improved to 19.65% from 21.50% a year earlier.