Jin Rong Shi Bao·2025-11-04 01:17Core Viewpoint - Zhejiang Commercial Bank reported its Q3 2025 operating performance, showing a mixed financial outlook with a slight increase in total assets but a decline in net profit and operating income [1] Financial Performance - As of the end of September, the bank's total assets reached 3.39 trillion yuan, an increase of 1.91% compared to the end of the previous year [1] - The total amount of loans and advances issued by the bank was 1.896272 trillion yuan, which increased by 39.156 billion yuan, reflecting a growth of 2.11% [1] - The bank achieved operating income of 48.931 billion yuan, a year-on-year decrease of 6.78% [1] - Net interest income was 34.438 billion yuan, while non-interest income was 14.493 billion yuan, resulting in a cost-to-income ratio of 26.44% [1] - The net profit attributable to shareholders was 11.668 billion yuan, down 9.59% year-on-year [1] Asset Quality - The bank's asset quality showed improvement, attributed to enhanced risk management and research capabilities [1] - As of the end of September, the non-performing loan ratio was 1.36%, a decrease of 0.02 percentage points from the end of the previous year [1]