SRCB(SH:601825) Cai Jing Wang·2025-10-30 10:05Core Insights - Shanghai Rural Commercial Bank reported resilient growth in its Q3 2025 performance, maintaining asset quality and enhancing financial service efficiency [1][2] Financial Performance - As of September 30, total assets reached CNY 15,580.94 billion, a 4.72% increase from the end of the previous year [2] - Total loans and advances amounted to CNY 7,673.04 billion, up 1.60% year-on-year [2] - Total liabilities grew to CNY 14,278.82 billion, reflecting a 5.00% increase, with deposits rising to CNY 11,376.17 billion, a 6.11% growth [2] - Operating income for the period was CNY 198.31 billion, with non-interest income at CNY 53.70 billion, marking a 2.24% year-on-year increase [2] - Net profit attributable to shareholders was CNY 105.67 billion, a 0.78% increase compared to the previous year [2] Asset Quality - The non-performing loan ratio stood at 0.97%, consistently maintained below 1% since the bank's listing [2] - Provision coverage ratio was reported at 340.10%, indicating strong risk mitigation capacity [2] - Capital adequacy ratios were robust, with core Tier 1 capital ratio at 14.49%, Tier 1 capital ratio at 14.52%, and total capital ratio at 16.87% [2] Market Position and Recognition - The bank achieved the top rating in the GYROSCOPE evaluation for urban rural commercial banks for five consecutive years [1] - The bank's ESG rating was upgraded from A to AA by MSCI, positioning it as a leader in the global peer group [1] Shareholder Returns - The bank distributed a mid-term cash dividend of CNY 0.241 per share, totaling CNY 2.324 billion, representing a payout ratio of 33.14% [1] Customer Focus and Community Engagement - Corporate loans reached CNY 4,977.40 billion, with a 1.64% increase, while corporate deposits grew by 7.71% to CNY 5,196.02 billion [3] - Retail financial assets (AUM) increased by 5.80% to CNY 8,414.24 billion, and inclusive small and micro loans rose by 5.19% to CNY 911.00 billion [3] - The bank established 1,033 "Heart Home" public service stations and over 120 senior university teaching points, conducting more than 5,000 community activities [3]