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Bank of Shanghai (601229) investor relations material
Bank of Shanghai Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Assets reached RMB 3,368,863,396 thousand at Sep. 30, up 1.82% from year-end; loans rose 3.95% and deposits 6.83%.
9M revenue fell 1.29% YoY and parent-attributable net profit fell 24.49%; Q3 net profit declined 92.77%, amid lower investment returns and higher risk provisions.
Asset quality faced pressure: NPL ratio increased to 1.99% from 1.18% at year-end, reflecting weaker property and construction borrowers and proactive loan reclassification.
Financial highlights
9M operating revenue RMB 40,609,919 thousand, down 1.29% YoY; parent-attributable net profit RMB 13,648,864 thousand, down 24.49%.
Q3 revenue RMB 11,767,710 thousand, down 14.71% YoY; parent-attributable net profit RMB 350,306 thousand, down 92.77%.
Adjusted 9M parent-attributable net profit, excluding non-recurring items, was RMB 13,669,986 thousand, down 24.53%; Q3 adjusted profit was RMB 336,610 thousand, down 93.09%.
9M net interest income was RMB 26,470,477 thousand; investment income was RMB 13,771,547 thousand versus RMB 16,774,897 thousand a year earlier.
9M basic EPS was RMB 0.96, down 24.41%; Q3 basic EPS was RMB 0.02, down 94.12%.
Outlook and guidance
Priorities include accelerating individual risk-case resolution, controlling new risk and continuing to strengthen asset quality.
Strategy emphasizes support for the real economy, targeted lending to technology, private small businesses and green industries, business transformation and risk prevention.
- 2025 saw steady growth in assets, profits, and capital, with strong digital, green, and inclusive finance momentum.601229
H2 2025 - Net profit rose 0.51% to RMB 13.30 billion, with assets and capital ratios remaining robust.601229
H1 2026 - Steady Q1 2026 growth with robust asset quality, capital, and expanding tech and green lending.601229
Q1 2026 - Net profit grew 1.19% to RMB22.54 billion, with improved asset quality and strong digital finance growth.601229
H2 2023 - Net profit rose 4.50% year-over-year, with improved asset quality and higher dividends.601229
H2 2024 - Net profit grew 2.77% to ¥18.08B, with robust capital and asset quality metrics.601229
Q3 2025 - H1 2025 saw steady profit growth, stable asset quality, and improved capital adequacy.601229
H1 2025 - Net profit grew 1.40% year-over-year and capital adequacy reached 14.77%.601229
Q3 2024 - Net profit up 1.04% to RMB 12.97B, asset quality and capital remain robust.601229
H1 2024
Next Bank of Shanghai earnings date
Next Bank of Shanghai earnings date
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