As of end-June, Nanjing Bank's nonperforming loan ratio fell 0.01 ppt from
end-2025 to 0.82%; provision coverage declined 7.51 ppt to 306.11%. 1H credit
impairment losses increased 34.77% YoY. Independent director Qiang Ying told the
2026 interim briefing the YoY rise mainly reflected the bank’s decision to step
up risk disposal and clean-up. The bank said it will continue a long-term,
prudent, high-quality strategy to maintain an adequate risk buffer and moderate
profitability; Qiang said she will take an active role in governance to oversee
compliance, conflict-of-interest issues and protection of minority shareholders.
