2025-10-30 09:15Financial Performance - Net profit for Q3 2025 was RMB 27,379 million, reflecting a 1.04% increase compared to the same period last year[6] - The bank's net profit attributable to shareholders for the first nine months of 2025 was RMB 76,562 million, a 0.98% increase year-on-year[6] - In the first three quarters, the company achieved a net profit of 76.562 billion yuan, representing a year-on-year growth of 0.98%[24] - Net profit for the same period was CNY 76.79 billion, up CNY 0.81 billion, or 1.07% year-on-year[36] - Net profit for the bank in Q3 2025 was RMB 26,868 million, a slight increase from RMB 26,629 million in Q3 2024[59] - Total comprehensive income for the bank in Q3 2025 was RMB 24,603 million, down from RMB 25,590 million in Q3 2024[59] Asset and Liability Management - Total assets increased by 8.90% year-on-year to RMB 18,605,653 million as of September 30, 2025[4] - The bank's total liabilities increased by 8.64% year-on-year to RMB 17,439,778 million[4] - Total liabilities increased to RMB 17,439.78 billion, a rise of RMB 1,386.52 billion or 8.64% from the previous year[44] - The bank's total equity increased to RMB 1,165,875 million as of September 30, 2025, compared to RMB 1,031,649 million at the end of 2024, marking a growth of 12.9%[55] Loan and Deposit Growth - Customer loans rose by 8.33% year-on-year to RMB 9,655,891 million[4] - Customer deposits grew by 6.08% year-on-year to RMB 16,216,444 million[4] - The company’s loan portfolio increased by 742.689 billion yuan, with corporate loans growing by 653.542 billion yuan, a year-on-year increase of 17.91%[23] - The deposit base expanded by 928.903 billion yuan, reflecting a growth of 6.08%, with corporate deposits increasing by 201.815 billion yuan, or 12.19%[23] Capital Adequacy and Risk Management - The core tier 1 capital adequacy ratio improved to 10.65% as of September 30, 2025, up from 9.56% at the end of 2024[11] - The core Tier 1 capital adequacy ratio improved to 10.65%, up 1.09 percentage points from the previous year[25] - The bank's credit impairment losses for the nine months ended September 30, 2025, were RMB 23,283 million, an increase of 23.5% compared to RMB 18,934 million in the same period of 2024[56] - The non-performing loan ratio remained low at 0.94%, maintaining a stable risk profile[25] Income and Revenue Streams - Total operating income for the first three quarters reached 265.08 billion yuan, an increase of 1.82% year-on-year[24] - Non-interest income from various financial products grew by 27.52%, contributing to a more diversified revenue stream[24] - Net interest income decreased to CNY 210.51 billion, down CNY 4.44 billion, or 2.07% year-on-year[37] - Net fee and commission income rose to CNY 23.09 billion, an increase of CNY 2.38 billion, or 11.48% year-on-year[38] Investment and Cash Flow - Cash flow from operating activities for the bank in the first nine months of 2025 was RMB 313,725 million, an increase from RMB 281,020 million in the same period of 2024[61] - The bank's net cash flow from financing activities in the first nine months of 2025 was RMB 111,748 million, compared to a net outflow of RMB 71,699 million in the same period of 2024[62] - The bank's investment activities resulted in a net cash outflow of RMB 307,848 million in the first nine months of 2025, compared to RMB 287,561 million in the same period of 2024[62] Shareholder Returns - A cash dividend of RMB 1.230 per share is proposed, totaling approximately RMB 14.77 billion, subject to shareholder approval[50] Strategic Initiatives - The bank's strategy includes enhancing support for rural revitalization and consumer loans, focusing on key sectors like advanced manufacturing and green finance[43]