Bank of Nanjing

What Bank of Nanjing does

Bank of Nanjing is a Chinese commercial bank founded in 1996 and headquartered in Nanjing, Jiangsu Province, listed on the Shanghai Stock Exchange under ticker 601009. The bank operates as a full-service financial institution serving three primary customer segments: individual retail customers (deposits, personal loans, debit and credit cards, wealth management, private banking), small and micro enterprises (specialized lending products spanning science & technology, agriculture, IP financing, and supply chain finance), and corporate clients (settlement, treasury, investment banking, syndicated loans, and international trade services). BNP Paribas holds approximately 15% equity as the largest foreign shareholder, supporting international standards and cross-border capabilities.

The bank operates a hybrid physical-digital distribution model with an extensive branch network across Jiangsu Province, complemented by digital channels including mobile banking (iOS/Android apps), online banking (eBank), WeChat banking, SMS banking, and a 24/7 phone hotline (95302). Its technology platform integrates UnionPay, WeChat Pay, Huawei Pay, Mi Pay, and Cloud Flash Payment for retail transactions, and offers enterprise-facing solutions like Xin Yun Si Ku (Treasury Cloud) for multi-bank account centralized management, cross-border fund pooling, and group cash pooling. AI capabilities are embedded via third-party SDKs (Tencent face recognition, iFlytek voice, Baidu Maps, HiiDoc OCR) and a joint industrial AI laboratory established with iFlytek and the Jiangsu Provincial Joint Credit Reference Center in September 2025.

Revenue is generated through three primary streams: net interest income from traditional lending and deposit-taking, fee and commission income from settlement, wealth management distribution (across 16+ fund/wealth management partners), custody, and trade finance, and treasury/financial market operations including proprietary bond and FX trading. The bank operates subsidiaries including Nanyin Wealth Management, Nanyin BNP Paribas Consumer Finance, Nihao Bank (online direct banking), and Xinyuan Fund Management, forming an integrated financial services ecosystem.

Name

Bank of Nanjing

Legal name

南京银行股份有限公司

Website

https://njcb.com.cn/

Company type

Public

Founded year

1996

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Bank of Nanjing is a publicly listed Chinese commercial bank (SSE: 601009) founded in 1996, serving retail, SME, and corporate clients across Jiangsu Province through an integrated branch and digital banking platform with BNP Paribas as a strategic shareholder.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Depository Credit Intermediation (5221), Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

General SME & Middle-Market Commercial Banking (FSABABAA)

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), SME Sector/Specialty Banking (Vertical-focused: Healthcare, Agri, Tech, etc.) (FSABABAI)

Keywords

• Commercial banking services
• Retail banking products
• Corporate financing solutions
• Wealth management services
• International trade finance

Headquarters

HQ city

Nanjing

HQ country

China

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income: Traditional bank lending and deposit-taking spread income as the primary revenue stream. The bank offers personal loans (including housing loans, commercial property loans, pledge loans), corporate loans (fixed asset loans, real estate development loans, operating property mortgage loans), and SME financing products.
2. Fee and Commission Income: Fee-based income from settlement services, wealth management agency sales (mutual funds, insurance, wealth management products from multiple issuers including Nan Yin, Zhong Yin, Jiao Yin, Guang Da, Xing Yin, Zhao Yin, Ping An, Ning Yin, Min Sheng, Hua Xia, Gong Yin, Fa Ba, Xin Yin, Zhong You, Nong Yin, Zhe Yin, Hang Yin), custody services, investment banking, international business (trade finance, letters of credit, guarantees, foreign exchange), and credit card services.
3. Treasury and Financial Market Operations: Proprietary trading in bonds, interbank market activities (including foreign exchange and precious metals), asset management products, and asset custody services.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels3 records

Core offering

Bank of Nanjing is a publicly listed commercial bank offering deposit-taking, lending, settlement, foreign exchange, and wealth management services across retail, SME, and corporate segments. The bank operates a hybrid distribution model combining an extensive regional branch network in Jiangsu Province with comprehensive digital banking channels including mobile banking, online banking, WeChat banking, and a 24/7 phone banking hotline. Core revenue-generating activities include personal and corporate lending, deposit gathering, transaction settlement, credit card services, wealth management product distribution, international trade finance, supply chain finance, and proprietary financial market operations.

Product overview

Bank of Nanjing is a Chinese commercial bank offering a comprehensive digital banking platform with integrated products across personal banking, SME banking, corporate banking, financial markets, and wealth management. The bank operates as a one-stop financial services provider with both physical branch network and digital channels including mobile banking (南京银行APP), online banking (eBank), WeChat banking, and phone banking (95302). Core products include personal and corporate deposit/loan services, credit cards, investment products (funds, wealth management, bonds, precious metals), international trade services, supply chain finance, and cash management solutions. The digital banking platform supports multiple payment integrations including UnionPay, WeChat Pay, Huawei Pay, and Mi Pay, while providing enterprise customers with treasury management, investment banking, and cross-border financial services.

Differentiator

Problem solved

Functional benefit

Brands

• 鑫意 (Xinyi): Charity and public welfare platform of Bank of Nanjing
• 鑫梅花 (Xin Meihua)
• 鑫梦享 (Xin Mengxiang)
• 鑫元 (Xinyuan)
• 南银理财 (Nanyin Wealth Management)

Products and services

• Personal Banking Services Comprehensive personal banking services for individual customers including personal deposits (large-denomination certificates of deposit, structured deposits, RMB and foreign currency savings), personal loans (business loans, credit loans, mortgage loans, housing loans, commercial property loans, pledge loans), debit cards, credit cards, and personal investment and wealth management products.
• Small and Micro Enterprise (SME) Banking Dedicated services for small and micro enterprises featuring the 鑫e小微 (Xin e Xiao Wei) comprehensive SME digital platform, 鑫快捷 (Xin Kuai Jie), 鑫采购 (Xin Cai Gou), 鑫转贷 (Xin Zhuan Dai), 鑫智力 (intellectual property financing including patent pledges, software copyright pledges, trademark pledges), 鑫星农业 (agricultural loans including 鑫农保, 苏农贷, 粮采贷), 鑫动文化 (cultural industries), 鑫知贷 (IP financing), and 鑫联税 (tax-linked financing), along with the 鑫伙伴计划 (Partner Development Program).
• Corporate Banking Full-service corporate banking for medium and large enterprises including settlement services, deposit business (current accounts, agreement deposits, notice deposits, time deposits, large-denomination certificates of deposit), financing and credit facilities (fixed asset loans, real estate development loans, operating property mortgage loans), intermediary business, treasury services, international business, supply chain finance, and green finance solutions.
• Wealth Management Products (南银理财 / Nan Yin Wealth Management) Distribution of wealth management products from multiple issuers including 公募理财 (public wealth management), 私募理财 (private wealth management), 资管信托 (asset management trusts), insurance distribution, public and private funds, government bonds, and precious metals investment, distributed through branch network and digital channels.
• Green Finance Services Specialized green finance services supporting environmental projects, carbon reduction initiatives, and sustainable development, including zero-carbon park specialized financial services and carbon emission reduction support tools. Includes the zero-carbon branch concept for retail banking outlets.
• International Business and Trade Finance Foreign currency services including international settlement (remittances, letters of credit, collections), international financing (documentary credits, standby letters of credit, foreign currency syndication), foreign exchange trading, and specialized trade finance products like 苏贸贷 (Su-Mao Loan), 出口快贷 (Export Express Loan), 鑫出口 (Xin Export), and customs guarantees (保税函).
• Cash Management Solutions Enterprise cash management solutions including 鑫云司库 (cloud treasury), 鑫云财资 (cloud financial management), 鑫云直联 (cloud direct connection), multi-bank account centralization, fund collection and payment management, group cash pooling, and cross-border fund centralization for corporate clients.
• Investment Banking Services Investment banking services for corporate clients including non-financial enterprise debt financing tools, project financing, asset securitization, direct financing instruments, debt financing plans, and financial bond business. Also includes M&A financing and syndicated loans.
• Supply Chain Finance Comprehensive supply chain finance solutions for corporate clients and their suppliers/distributors including domestic factoring, reverse factoring, domestic order financing, confirmed warehouse, manufacturer's guarantee, financial lease factoring, movable property pledge financing, and distributor sales financing.
• Personal Debit Cards Personal debit cards including UnionPay-branded chip-based cards in standard (普卡), gold (金卡), and platinum (白金卡) tiers, plus special cards such as 鑫薪卡 (Xin Xin salary card) and Yancheng tourism card.
• Credit Cards Comprehensive credit card portfolio including UnionPay cards (platinum, gold, standard), Mastercard cards (platinum, gold), N Card, American Express Safari, UnionPay Borderless White Platinum Digital Card, American Express Dream Card, installment cards including 鑫易分 consumer credit card, and 薪运 credit card.
• Private Banking High-net-worth individual services including private banking advisory, exclusive wealth management products, public and private fund products, asset management trusts, insurance distribution, and precious metals investment.
• Financial Market Operations and Trading Financial market operations including domestic currency investment, foreign exchange and precious metals trading, interbank business, asset management with diversified product systems, and asset custody services for institutional clients and the bank's proprietary book.

Quantifiable outcome

• Ranked 152nd in The Banker magazine's World Top 1000 Banks ranking in 2016, up 49 positions from the previous year, demonstrating consistent improvement in global rankings since first inclusion in 2006

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability8 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• BNP ParibascoreStrategic or Co-development PartnerBNP Paribas maintains a strategic partnership with Bank of Nanjing. The bank features a dedicated BNP Paribas Partnership section on its English website, indicating a significant international strategic relationship that enhances the bank's capabilities in cross-border financial services, wealth management, and international banking standards. This partnership provides the bank with international expertise and credibility.
• Nan Yin Wealth Management Co., Ltd. (南银理财有限责任公司)coreChannel Partner/ Reseller/ DistributorBank of Nanjing acts as the primary distribution channel for Nan Yin Wealth Management's financial products. The bank distributes a wide range of Nan Yin wealth management products including fixed-income, money market, and structured products through its branch network and digital channels.
• Nan Yin Fa Ba Consumer Finance Co., Ltd. (南银法巴消费金融)minorChannel Partner/ Reseller/ DistributorBank of Nanjing partners with Nan Yin Fa Ba Consumer Finance for consumer finance products and services. The company name appears in the bank's footer as a related entity, suggesting a collaborative relationship in the consumer finance segment.
• Xinyuan Fund Management Co., Ltd. (鑫元基金管理有限公司)minorChannel Partner/ Reseller/ DistributorBank of Nanjing distributes Xinyuan Fund Management's mutual fund products through its branch network and digital banking channels, expanding the range of investment options available to customers.

Scale indicators2 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Everbright Bank: National joint-stock bank with comparable retail/SME/corporate offerings, wealth management, and credit card businesses. Wider geographic reach than Bank of Nanjing but similar product architecture.
• China Merchants Bank: National joint-stock commercial bank widely regarded as China's retail and wealth-management leader. Overlaps with Bank of Nanjing across retail deposits, credit cards, and wealth management, but operates at significantly greater scale and geographic breadth.
• Industrial Bank Co., Ltd. (CIB): National joint-stock commercial bank with strong corporate banking, transaction banking, and interbank market footprint. Comparable product set at much larger scale; competes for Jiangsu-based corporate and SME clients.
• Shanghai Pudong Development Bank (SPDB): Major national joint-stock bank with strong presence in the Yangtze River Delta and overlapping trade finance and supply chain finance products. Broader-incumbent competitor for east-China corporate treasury clients.

Direct peers

• Bank of Jiangsu: Bank of Jiangsu is the other leading Jiangsu-based city commercial bank listed in Shanghai, offering a comparable retail/SME/corporate banking mix, wealth management, and digital channels. Most direct regional benchmark given shared geography and similar customer segmentation.
• Bank of Beijing: Beijing-headquartered city commercial bank listed in Shanghai with parallel SME, retail, and corporate banking offerings. Comparable as a major Chinese city commercial bank with a similar deposit-funded lending model.
• Bank of Shanghai: Shanghai-based city commercial bank with overlapping retail deposits, corporate banking, trade finance, and wealth management. Direct comparable in product breadth and east-China regional orientation.
• Bank of Ningbo: Hangzhou/Shanghai-listed regional commercial bank famous for SME lending and high SME loan penetration - directly comparable to Bank of Nanjing's stated SME-first strategy.
• Bank of Hangzhou: Hangzhou-headquartered city commercial bank with comparable retail, SME, and corporate banking and active in digital channels. Direct comparable as another east-China mid-sized listed commercial bank.

Others

• BNP Paribas: ~15% strategic shareholder and joint-venture partner (Nanyin BNP Paribas Consumer Finance) of Bank of Nanjing; the bank runs a dedicated BNP partnership section. Included as a related-party counterparty and strategic ecosystem participant rather than a direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/njcb_hr

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments4 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bank of Nanjing