兴业银行三季报：风险收敛 百亿分红“在路上”

Core Viewpoint - Industrial Bank reported its Q3 earnings, revealing a continued decline in revenue but with a narrowing rate of decrease, alongside a proposed cash dividend distribution for 2025 [2][3]. Financial Performance - For the first three quarters, Industrial Bank achieved operating revenue of 161.23 billion yuan, a year-on-year decrease of 1.82%, with the decline rate narrowing by 0.47 percentage points compared to the first half of the year [2]. - Net interest income fell by 0.56% year-on-year, while net fee and commission income increased by 3.79% [2]. - The bank's net profit attributable to shareholders reached 63.08 billion yuan, a slight increase of 0.12% year-on-year [3]. Deposit and Loan Growth - Total deposits amounted to 5.83 trillion yuan, reflecting a growth of 5.47% since the beginning of the year, with the interest rate on deposits decreasing by 32 basis points year-on-year to 1.71% [3]. - Total loans reached 5.99 trillion yuan, up 4.42% year-to-date, with corporate loans increasing by 7.54% and personal loans decreasing by 2.49% [3]. Asset Quality - The non-performing loan balance stood at 64.56 billion yuan, an increase of 30.83 billion yuan from the end of the previous year, with a non-performing loan ratio of 1.08% [4]. - The bank reported a decrease in new non-performing assets and a lower non-performing asset generation rate compared to the previous year [4][5]. Shareholder Activity - Significant shareholder activity was noted, with major shareholders increasing their stakes in Industrial Bank, including the Fujian Provincial Finance Department and other entities [5].