)
China Minsheng Banking Corp (600016) investor relations material
China Minsheng Banking Corp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Operating income for the first three quarters of 2025 rose 6.74% year-over-year to RMB108,509 million, with net interest and non-interest income both increasing.
Net profit attributable to equity holders declined 6.38% year-over-year to RMB28,542 million, mainly due to higher impairment losses and operating expenses.
Total assets grew 0.74% from the end of 2024 to RMB7,872,864 million, while total loans and advances to customers slightly decreased by 0.31%.
The bank advanced strategic initiatives in sci-tech, green, inclusive, ageing, and digital finance, with notable growth in green credit and digital platform users.
Financial highlights
Net interest income for the first nine months increased 2.40% year-over-year to RMB75,510 million.
Net non-interest income rose 18.20% year-over-year, driven by gains from fair value changes and increased trading activities.
Basic and diluted EPS for the nine months was RMB0.59, down 1.67% year-over-year.
Net cash flow from operating activities turned positive at RMB46,055 million, compared to a net outflow in the prior year.
Outlook and guidance
The bank continues to focus on high-quality development, asset-liability structure optimization, and risk control.
Strategic emphasis remains on expanding key business sectors and digital transformation to drive future growth.
Next China Minsheng Banking Corp earnings date
Next China Minsheng Banking Corp earnings date
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
I can't remember the last time an app had such a positive impact on my investment process.
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
I can't remember the last time an app had such a positive impact on my investment process.
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
Frequently asked questions
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Explore our global coverage
)
)