智通财经网·2025-10-31 03:00Core Viewpoint - China Everbright Bank's stock dropped nearly 5% following the release of its earnings report, indicating market disappointment with the financial results [1] Financial Performance - For the first three quarters, the bank's total operating income decreased by 7.9% year-on-year, while the net profit attributable to shareholders fell by 3.6% [1] - In the third quarter alone, operating income declined by 13.0% year-on-year, and net profit attributable to shareholders decreased by 11.0% [1] - CICC reported that the bank's performance slightly fell short of expectations, primarily due to fluctuations in bond market interest rates affecting fair value changes [1] Asset Quality - As of the end of September, the bank's total assets reached 72,177.17 billion yuan, reflecting a growth of 3.72% compared to the end of the previous year [1] - The non-performing loan balance stood at 50.712 billion yuan, an increase of 1.46 billion yuan from the end of the previous year [1] - The non-performing loan ratio was 1.26%, up by 0.01 percentage points from the end of the previous year, while the provision coverage ratio was 168.92%, down by 11.67 percentage points [1]