Zhangjiagang Rural Commercial Bank reports solid Q3 growth, profit up 5.79%

Jiangsu Zhangjiagang Rural Commercial Bank reported a 1.05% increase in total assets to CNY 221.2 bn by the end of Q3 2025, with net profit attributable to shareholders rising 5.79% to CNY 1.57 bn compared to the previous year. Operating income for the first nine months grew 1.18% to CNY 3.68 bn. The bank's non-performing loan ratio remained stable at 0.94%, with a coverage ratio of 355.05%.

The bank saw significant growth in customer loans and advances, up 6.55% to CNY 146.31 bn, and customer deposits increased 5.83% to CNY 176.35 bn. Notably, client loans to corporate clients surged by 12.86%, reflecting strengthened support for the real economy. Efforts in green and technology finance also showed rapid development.

Return on average assets was 0.96%, and the bank maintained a capital adequacy ratio of 13.49%. The common equity Tier 1 capital adequacy ratio stood at 11.06%, highlighting the bank's strong capital position.