Jin Rong Shi Bao·2025-11-03 03:20Core Insights - China Everbright Bank reported its Q3 2025 operating performance, showing a total operating income of 94.27 billion yuan and a net profit of 37.28 billion yuan for the first three quarters of the year [1] - The bank's intermediary business income increased by 2.2% year-on-year, reversing a 0.9% decline in the first half of the year, indicating an optimization in revenue structure [1] Financial Performance - As of the end of September, the total assets of China Everbright Bank reached 7,217.7 billion yuan, reflecting a growth of 3.7% compared to the end of the previous year [1] - The total loan amount was 4,026.9 billion yuan, with a year-on-year increase of 2.4%, particularly in key sectors such as technology, green finance, inclusive finance, medium to long-term manufacturing, strategic emerging industries, and private enterprises [1] - Total liabilities amounted to 6,612.9 billion yuan, up 3.8% from the end of last year, while the deposit balance was 4,184.7 billion yuan, marking a 3.7% increase [1] Asset Quality and Capital Adequacy - The asset quality remains stable and controllable, with a non-performing loan ratio of 1.26% and a provision coverage ratio of 168.92% as of the end of September [1] - The capital adequacy ratio, tier 1 capital adequacy ratio, and core tier 1 capital adequacy ratio were reported at 13.65%, 11.70%, and 9.65% respectively, consistently meeting regulatory requirements and maintaining overall stability [1]