中国银行前三季度净利润超1800亿，增速回正

Core Insights - China Bank reported a total asset of 37.55 trillion yuan as of September 2025, an increase of 7.1% compared to the end of the previous year [2][3] - The bank achieved operating income of 491.204 billion yuan in the first three quarters, a year-on-year growth of 2.69%, and net profit of 189.589 billion yuan, up 1.12%, reversing the decline seen in the first half of the year [2][3] - The bank's net interest margin stabilized at 1.26%, down 0.14 percentage points from 2024 but unchanged from the first half of 2025 [3] Financial Performance - As of September 2025, total loans and advances amounted to 23.35 trillion yuan, an increase of 8.15% year-on-year, while total deposits reached 25.68 trillion yuan, up 6.1% [3] - The weighted average return on equity (annualized) was 8.98%, a slight decrease of 0.57 percentage points year-on-year [3] - Non-interest income for the first three quarters included net fee and commission income of 65.591 billion yuan, a year-on-year increase of 8.07%, and other non-interest income totaling 99.821 billion yuan, up 22.24% [4] Asset Quality - As of September 2025, the total amount of non-performing loans was 288.669 billion yuan, with a non-performing loan ratio of 1.24%, a decrease of 0.01 percentage points from the end of the previous year [4] - The provision coverage ratio for non-performing loans was 196.6%, down 4 percentage points from the end of the previous year [4] - The bank recorded a credit impairment loss of 79.507 billion yuan in the first three quarters, a decrease of 7.26% year-on-year [4] Management Changes - Liu Chenggang was appointed as the vice president of China Bank effective October 24, 2025, marking the third new vice president in the year [5][6] - The bank's executive team has undergone significant changes, with three new vice presidents appointed and two departing due to age and job changes [6] - The current executive structure includes one president and four vice presidents, with Zhang Hui as the president and Liu Chenggang among the vice presidents [6]