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 [2][3] Revenue and Profitability - Net interest income increased by 0.54% to 25.122 billion yuan, while the net interest margin for the first three quarters was 1.16%, slightly up from 1.15% in the first half of the year [3] - Non-interest income saw a decline in fee and commission income, which fell by 6.93% to 2.891 billion yuan, continuing a downward trend for three consecutive years [3] - 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 [3] Asset and Loan Growth - As of September 30, 2025, total assets reached 3.31 trillion yuan, a growth of 2.52% from the end of the previous year, with total loans and advances amounting to 1.44 trillion yuan, up 2.55% [4] - The bank emphasized its focus on serving the real economy, with significant growth in loans for technology, green projects, and manufacturing, which increased by 16.36%, 8.91%, and 10.08% respectively [4] Asset Quality - The non-performing loan ratio remained stable at 1.18%, unchanged from the end of the previous year, while the provision coverage ratio decreased by 14.89 percentage points to 254.92% [5] - Credit impairment losses rose by 11.13% to 10.265 billion yuan, marking a shift after three years of declining provisions [5] Capital Adequacy - As of September 30, 2025, the capital adequacy ratio and core tier 1 capital ratio were 14.33% and 10.52%, respectively, showing a slight increase from the end of the previous year but a decline from the end of the first half of the year [6]