NJBK(601009) 搜狐财经·2025-04-28 09:21Core Viewpoint - Nanjing Bank has demonstrated a positive operational trend with key performance indicators showing a "double U-shaped curve," indicating sustained growth in revenue and net profit for 2024 and Q1 2025, outperforming market expectations [1][2]. Financial Performance - In 2024, Nanjing Bank's revenue and net profit increased by 11.32% and 9.05% year-on-year, respectively, with growth rates improving each quarter [2]. - For Q1 2025, revenue and net profit further increased by 6.53% and 7.06% year-on-year, showing an improvement of 3.7 percentage points and 1.92 percentage points compared to the same period last year [2]. - The cost-to-income ratio for the end of 2024 was 28.08%, a decrease of 2.39 percentage points year-on-year, while the non-performing loan ratio stood at 0.83%, down 7 basis points from the previous year [2]. - In Q1 2025, the cost-to-income ratio continued to decline by 4.28 percentage points, and the non-performing loan ratio remained stable at 0.83% [2]. Market and Shareholder Sentiment - Shareholders and market participants have positively evaluated Nanjing Bank's performance, with major shareholders increasing their holdings by over 7 billion yuan in 2024 [2]. - The bank's stock price growth ranked among the top in the listed banking sector, and it received the highest rating of A for compliance with the People's Bank of China policies [2]. Strategic Focus - In 2025, Nanjing Bank aims to adhere to a value creation philosophy and focus on serving the real economy, adapting to changes, and strengthening safety measures [3]. - The bank's new five-year strategic plan emphasizes the development of five key areas: technology innovation banking, investment banking, wealth management banking, transaction banking, and digital banking [3]. - The bank plans to enhance its organizational structure and optimize its business models to improve profitability and ensure balanced development across various business segments [3].