BOB(SH:601169) Zheng Quan Ri Bao Wang·2025-10-31 03:49Core Insights - Beijing Bank reported a steady performance in Q3 2025, with total operating income of 51.588 billion yuan and a net profit attributable to shareholders of 21.064 billion yuan, reflecting a year-on-year growth of 0.26% [1] - The bank's total assets reached 4.89 trillion yuan, a 15.95% increase from the beginning of the year, while total liabilities grew by 16.62% to 4.5 trillion yuan, indicating a steady growth in business scale [1] - The non-performing loan ratio improved to 1.29%, down by 0.02 percentage points from the start of the year, showcasing enhanced asset quality [1] Financial Performance - The weighted average return on equity stood at 9.86%, maintaining a robust profitability level [1] - The total loan principal amounted to 23.73046 trillion yuan, up by 7.38% year-to-date, with loans constituting 48.51% of total assets [1] - Loans in key sectors such as technology finance, green finance, and inclusive finance saw significant growth, with increases of 20.16%, 26.20%, and 16.91% respectively [1] Deposit Strategy - Beijing Bank adhered to a deposit-centric strategy, achieving a total deposit principal of 26.35477 trillion yuan, a 7.60% increase from the beginning of the year, with deposits making up 58.50% of total liabilities [2] - The bank's retail business showed steady growth, with personal loan balances reaching 7.05684 trillion yuan, a year-on-year increase of 1.99% [2] - The number of retail customers surpassed 31 million, and the scale of payroll services exceeded 110 billion yuan [2] Brand and Customer Growth - The bank's brand influence continued to enhance, with initiatives like "Child-Friendly Bank" and "Bank for Achieving Dreams" contributing to its reputation [2] - The Assets Under Management (AUM) reached 1.33 trillion yuan, reflecting a year-on-year increase of 152.78 billion yuan, or 12.94% [2] - The high-end customer segment showed significant growth, with over 1.23 million VIP clients, an increase of 10.40% since the beginning of the year [2]