成都银行发布三季度报：信贷扩张量提质优，营收净利双双增长

Core Viewpoint - Chengdu Bank reported steady growth in revenue and net profit for the first three quarters of 2025, with a focus on expanding its asset scale and enhancing its financial services to support regional economic development [1][2][3] Financial Performance - For the first nine months of 2025, Chengdu Bank achieved operating income of 17.761 billion yuan, a year-on-year increase of 520 million yuan, representing a growth rate of 3.01% [1] - The net profit attributable to shareholders reached 9.493 billion yuan, up by 454 million yuan, with a growth rate of 5.03% [1] - The bank's net interest income for the first three quarters was 14.725 billion yuan, with a year-on-year growth of 8.2%, and a quarterly growth of 9.5% [1][3] Asset Growth - Chengdu Bank's total assets reached nearly 1.39 trillion yuan by the end of Q3 2025, reflecting a year-on-year increase of 135.139 billion yuan, or 10.81% [1][2] - Total deposits amounted to 986.432 billion yuan, up by 100.573 billion yuan, with an increase of 11.35% [1] - The total loan amount was 847.481 billion yuan, showing a growth of 104.913 billion yuan, or 14.13% [1] Loan Structure and Strategy - The bank's loan growth was primarily driven by corporate lending, with a year-to-date increase of 16.2% as of September 2025 [2] - Chengdu Bank has focused on supporting key industries in Sichuan and Chengdu, achieving 100% coverage of major industrial chains [2] - The bank has developed 20 specialized products for small and micro enterprises, addressing their needs throughout their lifecycle [2] Operational Efficiency - Chengdu Bank's net interest margin is stabilizing, with expectations of improved performance as long-term deposits are repriced [3] - Basic earnings per share for the first three quarters were 2.99 yuan, with an annualized return on assets (ROA) of 0.96% and a return on equity (ROE) of 15.20% [3] Asset Quality - The bank maintained a non-performing loan ratio of 0.68%, indicating strong asset quality compared to industry standards [3] - The provision coverage ratio stood at 433.08%, demonstrating robust risk resistance capabilities [3] Future Outlook - Chengdu Bank is planning a new round of strategic development, focusing on sustainable growth and diversifying its business model to include retail assets and wealth management [3]