Ge Long Hui·2025-10-30 10:48Core Insights - CITIC Bank reported a steady growth in net profit for the period from January to September 2025, achieving a net profit attributable to shareholders of 53.391 billion yuan, representing a year-on-year increase of 3.02% [1] Financial Performance - The total operating income for the bank was 156.262 billion yuan, showing a year-on-year decline of 3.43% [1] - Net interest income amounted to 107.702 billion yuan, down 2.06% year-on-year, with a net interest margin of 1.63%, which decreased by 0.16 percentage points year-on-year but improved by 0.02 percentage points quarter-on-quarter [1] - Non-interest income was recorded at 48.560 billion yuan, a decrease of 6.34% year-on-year, while net fee and commission income increased by 5.75% to 25.688 billion yuan [1] Cost Management - The bank demonstrated effective cost control, with operating expenses of 46.447 billion yuan, down 4.23% year-on-year, resulting in a cost-to-income ratio of 29.72%, which decreased by 0.25 percentage points year-on-year [1]