上海银行发布2025年三季报：营收利润稳健双增

Core Insights - Shanghai Bank reported positive growth in both revenue and profit for the first nine months of 2025, with operating income reaching 41.14 billion yuan, a year-on-year increase of 4.04%, and net profit attributable to shareholders at 18.08 billion yuan, up 2.77% [1] Financial Performance - As of September 30, 2025, the net assets attributable to shareholders reached 260.19 billion yuan, a growth of 2.36% compared to the end of the previous year [2] - Total assets of Shanghai Bank stood at 3,308.00 billion yuan, reflecting a 2.52% increase from the end of the previous year [2] - Customer loans and advances totaled 1,441.65 billion yuan, marking a 2.55% increase year-on-year [2] - Total deposits reached 1,804.25 billion yuan, with a year-on-year growth of 5.51% [2] Risk Management and Asset Quality - The bank maintained a stable asset quality, with a non-performing loan ratio of 1.18%, unchanged from the end of the previous year [2] - The provision coverage ratio was reported at 254.92%, indicating a sufficient level of provisions [2] Capital Management - Shanghai Bank improved its capital management, with the core Tier 1 capital adequacy ratio at 10.52%, Tier 1 capital ratio at 11.40%, and total capital ratio at 14.33%, all showing increases from the previous year [3] - The largest shareholder, Shanghai Lianhe Investment Co., Ltd., increased its holdings to 2.09 billion shares, representing 14.72% of the total shares, an increase of 0.05 percentage points from the previous quarter [3] Shareholder Returns - The bank has consistently increased its dividend payout ratio, with the 2025 interim dividend ratio rising to 32.22% [3] - The dividend payout ratios for the years 2023, 2024 interim, and 2024 were 30.06%, 30.67%, and 31.22% respectively [3] Strategic Focus - Shanghai Bank is committed to implementing central government policies, focusing on financial structural adjustments, enhancing digital transformation, and improving risk management to support the real economy [3]