上海银行前三季度净利超180亿，投资收益占营收增至40%

Core Insights - Shanghai Bank reported a revenue of 41.14 billion yuan for the first three quarters of 2025, representing a year-on-year growth of 4.04%, and a net profit of 18.059 billion yuan, up 2.66% year-on-year [1][2] Revenue and Profitability - Net interest income increased by 0.54% to 25.122 billion yuan, while the proportion of non-interest income, particularly from investment gains, rose significantly [2] - Investment income surged by 58.49% to 16.775 billion yuan, accounting for 40.77% of total revenue, an increase of 14 percentage points compared to the same period last year [2] Credit and Loan Growth - As of September 30, 2025, total assets reached 3.31 trillion yuan, with customer loans and advances totaling 1.44 trillion yuan, reflecting a growth of 2.55% year-on-year [3] - The bank emphasized its focus on supporting the real economy, particularly in key sectors such as technology, green finance, and manufacturing [3] Asset Quality and Capital Adequacy - The non-performing loan ratio remained stable at 1.18%, while the provision coverage ratio decreased by 14.89 percentage points to 254.92% [4] - Credit impairment losses rose by 11.13% to 10.265 billion yuan, indicating a renewed increase in provisioning after three years of decline [4] - Capital adequacy ratios showed slight improvements year-on-year but declined compared to the previous half-year [4]