Cai Jing Wang·2025-10-30 14:49Core 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][2] Group 1: Financial Performance - The bank's net interest income reached 75.51 billion yuan, growing by 2.40% year-on-year, with an average daily earning assets of 7.11 trillion yuan, reflecting a 0.73% increase [1] - Non-interest income totaled 32.99 billion yuan, marking an 18.20% increase year-on-year, driven by a significant rise in other non-interest income, which grew by 36.55% [1] - The net interest margin improved by 2 basis points to 1.42% [1] Group 2: Asset and Liability Management - As of the end of Q3, total assets amounted to 78.73 trillion yuan, up 0.74% from the end of the previous year, while total liabilities increased by 0.19% to 71.72 trillion yuan [2] - The total amount of loans and advances decreased by 0.31% to 44.37 trillion yuan [2] - The bank's deposit balance rose by 0.15% to 42.56 trillion yuan [2] Group 3: Asset Quality - The total non-performing loans reached 65.86 billion yuan, with a non-performing loan ratio of 1.48%, slightly up by 0.01 percentage points from the end of the previous year [2] - The provision coverage ratio improved to 143.00%, an increase of 1.06 percentage points [2]