智通财经网·2025-10-29 10:22Core Insights - The core viewpoint of the news is the financial performance of China Merchants Bank for the first three quarters of 2025, highlighting a slight decline in net income and mixed results in various financial metrics. Financial Performance - The bank's operating net income for the first three quarters of 2025 was 251.28 billion yuan, a year-on-year decrease of 0.52% [1] - The net profit attributable to shareholders was 113.77 billion yuan, showing a year-on-year increase of 0.52% [1] - Basic earnings per share were 4.43 yuan [1] - Net interest income reached 160.04 billion yuan, an increase of 1.74% year-on-year [1] - Non-interest income was 91.24 billion yuan, a decline of 4.27% year-on-year [1] - Annualized return on average total assets (ROAA) was 1.22%, down 0.11 percentage points year-on-year [1] - Annualized return on average equity (ROAE) was 13.96%, down 1.42 percentage points year-on-year [1] Asset and Liability Overview - Total assets amounted to 12,644.08 billion yuan, an increase of 4.05% from the end of the previous year [1] - Total loans and advances were 7,136.29 billion yuan, up 3.60% from the end of the previous year [1] - Total liabilities reached 11,368.94 billion yuan, an increase of 4.12% from the end of the previous year [1] - Total customer deposits were 9,518.70 billion yuan, up 4.64% from the end of the previous year [1] Loan Quality Metrics - The balance of non-performing loans was 67.43 billion yuan, an increase of 1.81 billion yuan from the end of the previous year [2] - The non-performing loan ratio was 0.94%, a decrease of 0.01 percentage points from the end of the previous year [2] - The provision coverage ratio was 405.93%, down 6.05 percentage points from the end of the previous year [2] - The loan provision ratio was 3.84%, down 0.08 percentage points from the end of the previous year [2] - The annualized credit cost for January to September 2025 was 0.67%, an increase of 0.02 percentage points from the previous year [2]