A-share city commercial banks showed divergent performance in their semi-annual reports: corporate business became the key to success or failure.

Listed A-share banks have entered the period of intensive disclosure of the 2025 semi-annual reports. Currently, banks such as Jiangsu Bank, Chengdu Bank, Chongqing Bank, and Guizhou Bank have released their semi-annual reports. Data shows that the performance of listed city commercial banks is diverging, with Jiangsu Bank, Chengdu Bank, and Chongqing Bank maintaining steady growth while Guizhou Bank's performance has declined. Strong promotion of corporate business has driven the growth of net interest income, becoming the important engine of performance growth for the three banks mentioned above. Specifically, on the income side, the expansion of the company's loan scale has driven the growth of interest income; on the expenditure side, thanks to the effective reduction of the cost of corporate deposits, while the company's deposit scale expands, interest expenses have not increased but decreased, further expanding the bank's profit margin.