兴业银行：前三季度实现归母净利润630.83亿元，同比增长0.12%

Core Insights - The core viewpoint of the news is the financial performance of Industrial Bank Co., Ltd. for the first three quarters of 2025, highlighting a slight decline in revenue but a modest increase in net profit compared to the previous year [1][2]. Financial Performance - For the first three quarters of 2025, the bank achieved operating income of 161.23 billion yuan, a year-on-year decrease of 1.82%, with the decline narrowing by 0.47 percentage points compared to the first half of the year [1] - The net profit attributable to shareholders was 63.08 billion yuan, reflecting a year-on-year growth of 0.12% [1] - Net interest income stood at 110.96 billion yuan, down 0.56% year-on-year, with the decline narrowing by 0.96 percentage points compared to the first half of the year [1] - Net fee and commission income increased by 3.79% year-on-year to 20.08 billion yuan, with the growth rate expanding by 1.20 percentage points compared to the first half of the year [1] - Other non-interest income was 30.19 billion yuan, impacted by market interest rate fluctuations, showing a year-on-year decline of 9.28% [1] Asset Quality - As of the end of the third quarter, the bank's non-performing loan balance was 64.56 billion yuan, an increase of 3.08 billion yuan compared to the end of the previous year [2] - The non-performing loan ratio was 1.08%, up 0.01 percentage points from the end of the previous year [2] - The ratio of special mention loans was 1.67%, down 0.04 percentage points from the end of the previous year [2] Loan and Deposit Growth - Total assets reached 10.67 trillion yuan, growing by 1.57% compared to the end of the previous year [1] - Customer loan balance was 5.99 trillion yuan, an increase of 4.42% from the end of the previous year [1] - Customer deposit balance was 5.83 trillion yuan, up 5.47% compared to the end of the previous year [1] - The interest rate on deposits was 1.71%, down 32 basis points year-on-year and down 5 basis points from the end of the first half [1]