During its interim results briefing for the 2026 fiscal year held on August 20, Bank of Nanjing highlighted steady progress in its corporate banking operations. The business unit head noted that, amid a complex and shifting market landscape, the bank's corporate finance division has adhered to the core strategy of "stabilizing scale, optimizing structure, and driving transformation." By staying committed to serving the real economy and deepening industry engagement, the bank balanced credit deployment, price-volume coordination, and service quality, resulting in a consistently sound operational performance.
First, the bank reinforced its credit foundation by aligning with policy directives. Facing diverging demand for effective corporate credit, Bank of Nanjing leveraged the robust industrial base of its operating regions and seized policy opportunities tied to domestic demand expansion and investment stabilization. This enabled balanced credit reserves and steady disbursement. Loan issuance followed the principles of "moderate front-loading, balanced scheduling, and efficiency enhancement," with well-calibrated pacing. Concurrently, the bank increased resource allocation toward high-end manufacturing, technological innovation, green low-carbon sectors, and cross-border businesses, thereby refining its regional, industry, and client portfolio structures. As of the reporting period's end, corporate loans had solidified their position above the one-trillion-yuan threshold, growing by over 100 billion yuan from the start of the year, an increase exceeding 10%. Within this, technology finance loans expanded by 18.67%, green finance loans rose 17.47%, and cross-border financing climbed 22.87%.
Second, the bank deepened tiered client management to reinforce its earnings buffer. In response to declining loan pricing trends, Bank of Nanjing strictly applied the principle of aligning risk with returns, employing a dual approach of differentiated client pricing and comprehensive service revenue generation to sustain profitability. On one front, it built a refined client segmentation system that applies differential pricing based on enterprise type, industry characteristics, and lifecycle stages, keeping net interest margins within a reasonable range. On another front, it moved beyond reliance on traditional lending spreads by integrating diverse solutions such as investment banking, supply chain finance, treasury management, and cross-border financial services. This comprehensive service model attracted low-cost deposit accumulation and expanded fee-based income streams, effectively offsetting pricing pressures and strengthening earnings resilience.
Third, the bank advanced industry-finance integration to cultivate long-term growth drivers. Anchored in sustainable, high-quality development, Bank of Nanjing has leveraged its "1055 Industries" initiative as a core lever to accelerate its transformation from a traditional credit provider into a comprehensive industrial finance service provider. By intensifying industry research, the bank gains insights into sub-sector trends, enabling precise client targeting and service alignment. It has also rolled out scenario-based corporate finance solutions across nine key areas, including "Xinzhi Tech Innovation," "Xinzhi Cross-Border," and "Xinzhi Steward," embedding its services into clients' full business processes to enhance coverage and stickiness. Additionally, the bank upgraded its strategic client service mechanism, fostering a collaborative model of "headquarters-led direct management and branch-level regional cultivation" to precisely address the diverse needs of leading enterprises. By the end of the reporting period, total financing for entities within the "1055 Industries" reached 242.7 billion yuan, up 44.6 billion yuan from the start of the year, marking a growth rate of 22.5%.
Looking ahead to the second half of the year, the business unit head stated that Bank of Nanjing's corporate finance operations will remain focused on high-quality development, upholding the principles of stabilizing scale, optimizing structure, strengthening services, and improving efficiency. By leveraging differentiated client management, specialized industry empowerment, closed-loop scenario-based services, and integrated value creation, the bank aims to coordinate reasonable credit growth with enhanced service effectiveness, supporting sustainable and robust profitability in its corporate banking franchise.
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