智通财经网·2025-10-28 09:05Core Insights - The bank reported a net profit of 189.59 billion yuan for the first three quarters of 2025, with a year-on-year growth of 1.12% [1] - The bank's total operating income reached 492.11 billion yuan, an increase of 2.72% year-on-year [1] Financial Performance - The bank's net interest income was 325.79 billion yuan, a decrease of 3.04% year-on-year, with a net interest margin of 1.26% [1] - Non-interest income amounted to 166.32 billion yuan, reflecting a significant increase of 16.22% year-on-year, accounting for 33.80% of total operating income [1] - Operating expenses rose to 186.58 billion yuan, an increase of 8.03% year-on-year, resulting in a cost-to-income ratio of 26.90% [1] Asset Quality - The total amount of non-performing loans stood at 288.67 billion yuan, with a non-performing loan ratio of 1.24%, a slight decrease of 0.01 percentage points from the previous year [2] - The provision coverage ratio for non-performing loans was 196.60%, down by 4.00 percentage points from the end of the previous year [2] Capital Adequacy - The core tier one capital adequacy ratio was reported at 12.58%, while the tier one capital adequacy ratio was 14.66%, and the total capital adequacy ratio was 18.66% [2]