智通财经网·2025-10-30 12:07Core Insights - Zhejiang Zheshang Bank reported a decrease in operating income and net profit for the first three quarters of 2025, with operating income at 48.958 billion yuan, down 6.78% year-on-year, and net profit attributable to shareholders at 11.668 billion yuan, down 9.59% year-on-year [1] Financial Performance - The total assets of the group reached 3389.012 billion yuan, an increase of 63.473 billion yuan, or 1.91%, compared to the end of the previous year [1] - The total amount of loans and advances was 1896.272 billion yuan, up 39.156 billion yuan, or 2.11%, from the end of the previous year [1] - Total liabilities amounted to 3182.278 billion yuan, increasing by 59.482 billion yuan, or 1.90%, compared to the end of the previous year [1] - Customer deposits reached 2059.773 billion yuan, an increase of 137.484 billion yuan, or 7.15%, from the end of the previous year [1] Asset Quality - The non-performing loan balance was 25.661 billion yuan, an increase of 0.167 billion yuan compared to the end of the previous year [1] - The non-performing loan ratio stood at 1.36%, a decrease of 0.02 percentage points from the end of the previous year [1] - The provision coverage ratio was 159.56%, down 19.11 percentage points from the end of the previous year [1] - The loan provision ratio was 2.17%, a decrease of 0.29 percentage points from the end of the previous year [1] Capital Adequacy - The capital adequacy ratio was 12.15%, a decrease of 0.46 percentage points from the end of the previous year [1] - The Tier 1 capital adequacy ratio remained stable at 9.61% compared to the end of the previous year [1] - The core Tier 1 capital adequacy ratio was 8.40%, an increase of 0.02 percentage points from the end of the previous year [1]