Bei Jing Shang Bao·2025-10-30 13:37Core Insights - Minsheng Bank reported a total operating income of 108.51 billion yuan for the first three quarters of 2025, an increase of 6.74% year-on-year, while net profit attributable to shareholders decreased by 6.38% to 28.54 billion yuan [1] Financial Performance - Operating income increased by 6.74% year-on-year, with a total of 108.51 billion yuan [1] - Net profit attributable to shareholders decreased by 6.38% to 28.54 billion yuan [1] - Net interest income reached 75.51 billion yuan, up 2.40% year-on-year [1] - Average interest-earning assets increased by 51.64 billion yuan to 7,108.20 billion yuan, a growth of 0.73% [1] - Net interest margin improved by 2 basis points to 1.42% [1] - Non-interest income totaled 32.99 billion yuan, reflecting an 18.20% increase year-on-year [1] - Fee and commission income was 14.39 billion yuan, a slight increase of 0.70% [1] - Other non-interest income surged by 36.55% to 49.82 billion yuan, driven by increased trading in bonds and capital market fluctuations [1] Asset Quality - Total non-performing loans amounted to 65.86 billion yuan, an increase of 0.25% from the end of the previous year [2] - Non-performing loan ratio stood at 1.48%, up 0.01 percentage points from the end of the previous year [2] - Provision coverage ratio improved to 143.00%, an increase of 1.06 percentage points from the end of the previous year [2]