NJBK(601009) 证券日报网·2025-04-28 06:50Core Viewpoint - Nanjing Bank has demonstrated a positive operational trend in 2024, achieving record highs in revenue and net profit, with a continued focus on cost control and asset quality improvement [1][2]. Financial Performance - In 2024, Nanjing Bank's revenue exceeded 50 billion yuan, and net profit surpassed 20 billion yuan, marking year-on-year growth of 11.32% and 9.05% respectively, with both metrics showing a positive U-shaped curve [1]. - For Q1 2025, revenue and net profit grew by 6.53% and 7.06% year-on-year, with cost-to-income ratio decreasing by 4.28 percentage points [1][2]. Asset Quality and Cost Management - By the end of 2024, the cost-to-income ratio was 28.08%, down 2.39 percentage points year-on-year, while the non-performing loan (NPL) ratio was 0.83%, a decrease of 7 basis points from the previous year [1]. - In Q1 2025, the NPL ratio remained stable at 0.83%, indicating strong asset quality [1]. Strategic Focus and Future Outlook - Nanjing Bank aims to enhance its core competitiveness and improve financial resource efficiency while focusing on digital transformation and cost control [2]. - The bank's strategic plan for 2025 emphasizes value creation, service to the real economy, and adapting to changes in the financial landscape [2]. Operational Scale - As of the end of 2024, Nanjing Bank had 289 branches, achieving full coverage in Jiangsu province, with total assets of 27,652.38 billion yuan, total deposits of 16,572.41 billion yuan, and total loans of 13,461.20 billion yuan as of Q1 2025 [3]. - Nanjing Bank ranked 91st among the world's top 1000 banks and 21st in the "Top 100 Chinese Banks" list for 2024 [3].