兴业银行前三季度营收逾1612亿元同比降逾1%，不良贷款率1.08%

Core Insights - The core viewpoint of the news is that Industrial Bank (兴业银行) reported a decline in revenue for the first three quarters of 2025, alongside a slight increase in net profit, while facing a rise in non-performing loan ratio. Financial Performance - For the first three quarters of 2025, Industrial Bank achieved operating revenue of 161.23 billion yuan, a year-on-year decrease of 1.82% [1] - The net profit attributable to shareholders for the same period was 63.08 billion yuan, reflecting a year-on-year increase of 0.12% [1] - In Q3 2025, the bank's operating revenue was 50.78 billion yuan, down 0.78% year-on-year, and the net profit was 19.94 billion yuan, a decrease of 0.08% year-on-year [2] Asset and Liability Overview - As of September 30, 2025, the total assets of Industrial Bank amounted to 10.67 trillion yuan, an increase of 1.57% from the end of the previous year [2] - The customer loan balance reached 5.99 trillion yuan, up 4.42% from the end of the previous year [2] - Total liabilities were 9.77 trillion yuan, growing by 1.63% from the end of the previous year, with total deposits at 5.83 trillion yuan, an increase of 5.47% [2] Non-Performing Loans and Capital Ratios - The non-performing loan ratio stood at 1.08%, an increase of 0.01 percentage points from the end of the previous year [2] - The provision coverage ratio was 227.81%, down 9.97 percentage points from the end of the previous year [2] - Capital adequacy ratios were reported as follows: total capital adequacy ratio at 13.85%, tier 1 capital adequacy ratio at 10.97%, and core tier 1 capital adequacy ratio at 9.66%, all showing slight declines from the previous year [2]