Bei Jing Shang Bao·2025-10-30 13:41Core Insights - Zhejiang Commercial Bank reported a decline in operating income for Q3 2025, totaling 48.931 billion yuan, a decrease of 3.56 billion yuan or 6.78% year-on-year [2] - The bank's net interest income was 34.438 billion yuan, down 1.149 billion yuan or 3.23% year-on-year, with a net interest margin of 1.67%, a decrease of 0.13 percentage points [2] - Non-interest income fell to 14.493 billion yuan, a reduction of 2.411 billion yuan or 14.26% year-on-year [2] - The cost-to-income ratio improved to 26.44%, down 1.46 percentage points year-on-year [2] - Net profit attributable to shareholders was 11.668 billion yuan, a decrease of 1.237 billion yuan or 9.59% year-on-year [2] Asset Quality - As of the end of the reporting period, the bank's non-performing loan balance was 25.661 billion yuan, an increase of 0.167 billion yuan from the end of the previous year [2] - The non-performing loan ratio stood at 1.36%, a slight decrease of 0.02 percentage points from the end of the previous year [2] - The provision coverage ratio was 159.56%, down 19.11 percentage points from the end of the previous year [2] - The loan provision ratio was 2.17%, a decrease of 0.29 percentage points from the end of the previous year [2]