Jin Rong Shi Bao·2025-11-03 02:33Core Insights - The core viewpoint of the report indicates a slight decline in operating revenue while showing a modest increase in net profit for the first three quarters of 2025 [1] Financial Performance - For the period from January to September 2025, the company achieved operating revenue of 251.42 billion yuan, a year-on-year decrease of 0.51% [1] - The net profit attributable to shareholders was 113.77 billion yuan, reflecting a year-on-year increase of 0.52% [1] Asset and Liability Overview - As of the end of the reporting period, total assets amounted to 12.64 trillion yuan, representing a growth of 4.05% compared to the end of the previous year [1] - Total loans and advances reached 7.14 trillion yuan, an increase of 3.60% from the end of the previous year [1] - Total liabilities were 11.37 trillion yuan, up by 4.12% year-on-year [1] - Customer deposits totaled 9.52 trillion yuan, marking a growth of 4.64% compared to the end of the previous year [1] Loan Quality Metrics - The non-performing loan balance stood at 67.43 billion yuan, an increase of 1.81 billion yuan compared to the end of the previous year [1] - The non-performing loan ratio was 0.94%, a decrease of 0.01 percentage points from the end of the previous year [1] - The provision coverage ratio was 405.93%, down by 6.05 percentage points year-on-year [1] - The loan provision ratio was 3.84%, a decrease of 0.08 percentage points compared to the end of the previous year [1]