Group 1: Core Insights - The latest performance reports from Everbright Bank, CITIC Bank, and Industrial Bank indicate a mixed financial landscape, with varying trends in revenue and net profit across these institutions [1][3]. Group 2: Everbright Bank - Everbright Bank reported a Q3 operating income of 28.352 billion yuan, a year-on-year decrease of 13.01%, and a net profit attributable to shareholders of 12.396 billion yuan, down 10.99% [1]. - For the first three quarters, the bank's operating income was 94.270 billion yuan, a decline of 7.94%, while the net profit attributable to shareholders was 37.018 billion yuan, down 3.63% [1]. Group 3: CITIC Bank - CITIC Bank achieved a Q3 operating income of 50.836 billion yuan, a year-on-year decrease of 4.43%, but a net profit attributable to shareholders of 16.913 billion yuan, which increased by 3.53% [3]. - In the first three quarters, the bank's operating income totaled 156.598 billion yuan, down 3.46%, while the net profit attributable to shareholders rose by 3.02% to 53.391 billion yuan [3]. - The bank's performance was supported by effective cost control, with business and management expenses decreasing by 4.17%, leading to a cost-to-income ratio of 28.58% [3]. Group 4: Industrial Bank - Industrial Bank reported a total operating income of 161.234 billion yuan for the first three quarters, a year-on-year decrease of 1.82%, with a net profit attributable to shareholders of 63.083 billion yuan, showing a slight increase of 0.12% [3]. - In Q3, the bank's operating income was 50.776 billion yuan, down 0.78%, and the net profit attributable to shareholders was 19.942 billion yuan, a decrease of 0.08% [3].
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