JINSHANG BANK released its audited results for the year ended 31 December 2025.

• Operating income fell 6.00% to RMB 5.44 billion, weighed down by a 7.70% drop in net interest income to RMB 3.87 billion as the net interest margin narrowed to 1.07% (2024: 1.20%).

• Profit before tax slipped 7.30% to RMB 1.69 billion; net profit declined 4.90% to RMB 1.66 billion.

• Credit costs moderated: impairment losses on credit edged down 3.70% to RMB 1.61 billion, helped by a RMB 213.0 million reversal on credit commitments.

• Asset quality came under pressure. The non-performing loan ratio rose to 1.95% (2024: 1.77%) and provision coverage eased to 191.00% (2024: 205.46%).

• Balance sheet expanded 4.40% to RMB 393.00 billion. Loans grew 8.05% to RMB 218.55 billion, while customer deposits increased 3.21% to RMB 320.80 billion, leaving the loan-to-deposit ratio at 69.96% (2024: 66.95%).

• Capital buffers strengthened: core Tier 1, Tier 1 and total capital adequacy ratios improved to 10.46%, 11.24% and 13.96% respectively (2024: 10.18%, 10.97%, 12.84%).

• Liquidity indicators normalised. The liquidity coverage ratio stood at 178.84% (2024: 347.26%), net stable funding ratio at 130.49%, and leverage ratio at 6.68%.

• The board recommends a cash dividend of RMB 0.05 per share (RMB 5 per 100 shares), totalling about RMB 291.90 million, subject to shareholder approval on 26 June 2026.

• 2026 focus: deepen reform, advance digital transformation, and accelerate “Five Priorities” (technology, green, inclusive, silver economy and digital finance) while balancing growth and risk.