It's the season of bank operations. Every now and then, the knife goes through the books of banks。
Some are scribble, others are scribble; others are neat, but empty。
There's more, not just words, but text。
Like nanking bank。
The total amount of assets was 2. 9 trillion yuan, 3 trillion short of the door; 41. 94 billion yuan, an increase of 8. 79 per cent over the same period; and 18 billion yuan, an increase of 8. 06 per cent over the same period。
In this environment, no one can write it。
Even more difficult is the non-performing loan rate of 0. 83 per cent and the allowance coverage of 313. 62 per cent。
(source: nanjing bank 2025)
But the most interesting thing to talk about is not these cold numbers, but the five big articles behind them。
How does nanjing bank write about science and technology finance, green finance, inclusive finance, old-age finance, digital finance, as named by the state council? We're flipping。
01
Science and technology finance: non-fiction, hard bones
The issue of science and technology finance is difficult to “early, small, long-term, hard technology”。
Many banks look at “early, micro, uncollateral” and their legs are soft。
Nanking bank is different。
It has developed a financial services matrix covering the full life cycle of the enterprise, ranging from research and development to volume production, from “research and development pipeline lending” to “co-merger lending” and recruitment。
At the end of the three quarters, the balance of the science and technology finance loan was 17. 428 billion yuan, an increase of 17. 5 per cent over the beginning of the year。
(source: nanjing bank, quarterly 2025)
In the province of guangjiangsu, the first-rate credit credit for sti enterprises was granted to nearly 200 households in excess of 530 million yuan。
It has also issued nearly $8 billion in credit cards and over $9. 5 billion in bonds。
No flower racks, all real silver and gold。
02
Green finance: saving money and earning face
On the subject of green finance, many banks have responded in the right way: issuing green bonds, making several esg reports, and finishing up。
Nanjing bank played a new game。
It has issued a national list of green domestic financial bonds of $10 billion in line with the common catalogue of multilateral sustainable finance。
It also landed in jiangsu province's first “near zero carbon plant”-linked loan, carbon footprint-linked loan, and reduced carbon emissions, followed by lower interest rates, turning environmental protection into a benefit。
It is worth mentioning that it has taken the lead in making a first financial transition in the printing, paper and chemical industries of salt city, huai an, to help “high-energy” enterprises turn around with dignity。
At the end of the third quarter, the balance of green financial loans increased by 66. 770 billion yuan, or more than 33 per cent, compared with the beginning of the year, with more than 5,500 green loan clients。
Others are still struggling with “what is green” and nanjing bank has helped businesses to “green” and earn money。
03
Inclusive finance: so that the caterer can give a second loan
Inclusive finance is the most afraid of “poor and rich”。
Large businesses rob loans, small vendors leave。
The nanjing bank's approach is to sink and sink again。
At the end of the reporting period, 200,000 microentrepreneur clients were served and the balance of inclusive loans was $15. 6 billion, an increase of over 16 per cent over the beginning of the year。
The online product, 鑫 鑫 微 微 , , , , , , , , , , , , , , , , 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 元 。 元 元 元 元 元 。
(source: nanjing bank 2025)
Of particular note is the agricultural landscape, where over 2 billion yuan was invested in the first three quarters of the “storage e” “food e” loan, leaving a balance of 15. 47 billion yuan。
What do you mean "financial living water"
Not a tree, but every weed。
04
Old-age finance: from “eggs” to “development programmes”
In the area of pension finance, many banks are still at the stage of “eggs on the internet, talk on noodles”。
Nanjing bank has quietly upgraded。
Although there are no major books in the tri-quarter newspaper, the knife learned that it “moved” the network into the elders' canteens in salt city, set up a service for the elderly and sent a mobile financial services team to the house。
The internet site has been completely aging in residential and peaceful areas, with large-text mobile banking and caring windows。
More importantly, it landed its first loan of $70 million from the old-age bank, and the institution lacks money? A group of banks came to lend。
That's true support。
05
Digital finance: ai as an assistant, people do smarter jobs
Digital finance this track, everybody's running。
Nanking bank runs fast and steady。
It has created 121 ai exclusive assistants covering marketing, wind control and operations。
The client manager automatically generated a “one page” analysis report before visiting the client, which was processed over the system for two hours and is now done in five minutes. The smart counter audit period was reduced from 10 minutes to half a minute。
(source: nanjing bank 2025)
It also became the first city comptoir in the country to have a digital currency “printing” and to be directly involved in its issuance, circulation and conversion。
To date, 360,000 individual wallets have been opened, representing an increase of 213 per cent over the same period. Cost income was 23. 27 per cent, a decrease of 4. 81 percentage points from the end of the previous year, and every penny saved was profit。
06
Why do big shareholders want more
There is also a detail in the quarterly that will draw special attention to the cattle knife: large shareholders line up。
The cumulative increase of 130 million shares in nanjing gaoco is close to 10 per cent。
The third quarter of the period saw an increase of approximately 5. 67 million shares。
The largest was the 20th anniversary of bnp paribas, where ceos visited jiangsu personally and signed a new phase of the memorandum of strategic cooperation, which was followed by an increase of 108 million shares to 17. 14 per cent in the secondary market。
Guys, foreign investment isn't stupid. The real money and silver are slammed in behind strong confidence in the high-quality development of nanjing bank。
There's one more thing。
In mid-2025, a ratio of $3. 062 per 10 shares, representing 30 per cent, remained at a high level in the listed banks。
The number of investors voting by foot is naturally increasing。
Looking at a bank depends not only on how much it earns, but also on where it spends its money and where it flows。
The nanjing bank's five big articles, each of which is solid。
Science and technology financial services are hard-tech, green finance contributes to low-carbon transformation, inclusive finance benefits micro- and farmers, old-age finance is warm and hot, and digital finance increases efficiency and experience。
More importantly, 83. 82 per cent of its loans were invested in jiangsu province, with its roots in the long triangle, resonating with the local economy。
(source: nanjing bank 2025)
When industrial upgrading requires finance, it gives; when micro-enterprises shout thirst, it waters; and when rural renewal lacks money, it goes on。
Next year, the nanjing bank will mark its thirtieth anniversary。
And standing thirty, it is not a false name, but a dry one。
