Cai Jing Wang·2025-10-30 11:40Core Insights - The report indicates that the bank achieved a net profit of 258.446 billion yuan for the first three quarters of 2025, with a year-on-year growth of 0.52% and 0.62% for the group and the bank's shareholders respectively [1] - The annualized average return on assets is 0.80%, while the annualized weighted average return on equity stands at 10.32% [1] Financial Performance - The bank's net interest income for the first three quarters was 427.606 billion yuan, reflecting a decrease of 3.00% compared to the same period last year [1] - The net interest margin is reported at 1.36%, down by 16 basis points year-on-year [1] - Non-interest income reached 132.675 billion yuan, marking an increase of 18.96% year-on-year, with fee and commission income contributing 89.668 billion yuan, up by 5.31% [1] Asset and Liability Overview - As of September 30, 2025, total assets amounted to 45.37 trillion yuan, an increase of 4.80 trillion yuan or 11.83% from the end of the previous year [1] - Total loans and advances reached 27.68 trillion yuan, up by 1.84 trillion yuan or 7.10% [1] - Financial investments increased to 12.35 trillion yuan, reflecting a growth of 1.67 trillion yuan or 15.61% [1] - Total liabilities were reported at 41.71 trillion yuan, an increase of 4.49 trillion yuan or 12.05% [1] - Deposits amounted to 30.65 trillion yuan, with an increase of 1.94 trillion yuan or 6.75% [1] Loan Quality Metrics - Non-performing loans totaled 365.474 billion yuan, an increase of 20.783 billion yuan from the end of the previous year [2] - The non-performing loan ratio is at 1.32%, which is a decrease of 0.02 percentage points from the end of the previous year [2] - The provision coverage ratio stands at 235.05%, an increase of 1.45 percentage points year-on-year [2] - The loan provision ratio is reported at 3.11%, down by 0.01 percentage points from the end of the previous year [2]