What gives Ganzhou Bank the confidence to forge ahead at the 300 billion yuan new starting point?

AI · What are the driving forces behind Ganzhou Bank’s sharp increase in net profit?

Produced by | Zhongfang.com

Reviewed by | Li Xiaoyan

As a regional city commercial bank rooted in the revolutionary old area of southern Jiangxi with assets exceeding 300 billion yuan, Ganzhou Bank has recently attracted market attention due to executive changes. As of now, all information remains based on official reports. The bank’s various businesses are operating smoothly and in an orderly manner, with normal management and operations demonstrating the resilience and stability of a mature city commercial bank. In the process of serving the local economy, promoting performance recovery, and improving internal controls and governance, Ganzhou Bank remains committed to its core financial principles, supporting regional financial stability with a solid foundation and fulfilling its high-quality development commitments through pragmatic actions.

The development foundation of Ganzhou Bank stems from its deep integration and continuous empowerment of the local economy. As the financial pillar of Ganzhou City, the bank is based in the revolutionary base area, radiating across the province, focusing on inclusive finance, green finance, technology finance, pension finance, and digital finance—five major areas—channeling financial resources precisely into key sectors and weak links of the real economy. By the end of 2025, the bank’s total assets will reach 310.8 billion yuan, with a loan balance of 216 billion yuan and deposits of 224.5 billion yuan, steadily crossing new thresholds, providing solid financial support for Ganzhou’s industrial strengthening, rural revitalization, and technological innovation. At the beginning of 2026, the bank successfully joined the national development bank’s RMB financial bond underwriting and market-making team, becoming the first member from the province, with market recognition and professional service capabilities continuously improving, and business layout and qualification development progressing steadily.

In terms of performance, Ganzhou Bank has emerged from a period of volatility to achieve steady recovery and high-quality growth. In 2023, due to one-time factors such as the disposal of distressed assets, performance faced short-term pressure; however, in 2024, the situation quickly reversed, with operating income reaching 5.924 billion yuan, a year-on-year increase of 12.17%, and net profit attributable to the parent soaring by 94.41% to 715 million yuan, showing a significant recovery in profitability. In 2025, the full-year net profit exceeded 1 billion yuan, a 45% increase year-on-year, indicating more sustainable and substantial growth. Notably, the bank’s risk resistance capability continues to strengthen, with the provisioning coverage ratio remaining above 200% at the end of 2025—reaching a ten-year high—steadily enhancing its ability to offset risks and laying a solid safety net for future stable operations. Authoritative rating agencies such as Dongfang Jincheng and China Chengxin International maintain its AA+ credit rating with a stable outlook, fully affirming the market and professional institutions’ recognition of its fundamental operations.

In capital management and compliance, Ganzhou Bank actively addresses short-term challenges, proactively filling gaps and strengthening weaknesses, continuously optimizing governance effectiveness. To address the phased pressure on capital adequacy ratio, the bank has taken multiple measures to supplement capital, successfully issuing perpetual bonds and technology innovation bonds in 2025, broadening diversified capital channels, while optimizing asset structure and controlling risk-weighted asset growth, gradually aligning capital consumption with profit accumulation. Regarding compliance, the bank has responded comprehensively to regulatory issues, carrying out internal control rectifications since 2025, improving systems and processes in credit management, bill business, and non-performing asset disposal, strengthening risk control throughout the process, with accountability and rectification in place, making the internal control system more rigorous. From short-term penalties to long-term governance, Ganzhou Bank uses regulatory requirements as benchmarks, continuously improving compliance standards and laying a foundation for sustainable development.

The maturity of governance structure and management is key for Ganzhou Bank to cope with short-term fluctuations and maintain business continuity. The bank has established a modern corporate governance mechanism led by the Party Committee, with decision-making by the Board of Directors, supervision by the Supervisory Board, and responsibilities assigned to senior management. Management roles are clearly divided and highly coordinated, ensuring orderly operations in daily activities, customer service, financial markets, and credit deployment. Since February 2026, the bank has maintained normal issuance of interbank certificates of deposit, timely launched large-denomination deposits, continued branch operations, and steadily advanced credit projects. Digital projects such as enterprise anti-fraud systems and comprehensive credit management platforms are being tendered and constructed as planned. Work on retail IP branding and consumer rights protection is progressing simultaneously. Business operations have not been affected by external rumors, demonstrating robust emergency response mechanisms and mature operational capabilities.

Looking back at its development history, Ganzhou Bank has always resonated with regional development, undergoing adjustments and optimizations, with clearer development directions and more mature management concepts. From early expansion to current quality enhancement, the bank has gradually returned to its core mission as a city commercial bank, focusing on main responsibilities, deepening regional markets, and strictly controlling operational risks. Its listing preparations are progressing steadily, with ongoing improvements in corporate governance, information disclosure, and asset quality. As an important part of Jiangxi’s financial system, Ganzhou Bank plays an irreplaceable role in regional financial stability, supporting small and micro enterprises, and providing financial services for people’s livelihoods. It is a main force in the revitalization of the revolutionary base area.

Currently, Jiangxi’s financial anti-corruption efforts are deepening, with clearer regulatory guidance. This not only tests local financial institutions but also presents opportunities for standardized development and transformation. Ganzhou Bank will strengthen Party leadership, improve corporate governance, strictly control financial risks, and enhance service quality to turn short-term challenges into long-term growth drivers. Regarding market attention on executive changes, all information will be based on official disclosures. The bank will promptly fulfill its information disclosure obligations to ensure investors, customers, and the public’s right to know.

Standing at a new starting point with assets of 300 billion yuan, Ganzhou Bank’s foundation remains solid, its business is rooted, governance continues to improve, and prospects are promising. The bank will continue to uphold its original mission of serving the revolutionary base area, deepen regional markets, support the real economy, and prevent financial risks. Through prudent management, compliant development, and innovative empowerment, it aims to write a new chapter of high-quality development for city commercial banks in revolutionary old areas and contribute greater financial strength to the economic and social development of southern Jiangxi.