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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Shanghai Rural Commercial Bank
Shanghai Rural Commercial Bank (601825) investor relations material
Shanghai Rural Commercial Bank Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary30 Oct, 2026
Executive summary
9M 2026 revenue rose 2.07% YoY to RMB20.24bn and attributable net profit rose 1.06% to RMB10.68bn; balance-sheet assets expanded 6.26% from year-end.
Growth spanned retail, corporate, inclusive, technology and green finance, while asset quality remained stable overall and profitability ratios eased YoY.
Financial highlights
Q3 revenue was RMB6.55bn, up 2.60% YoY; attributable net profit was RMB3.61bn, up 1.44%.
9M net interest income increased 2.98% YoY to RMB14.89bn; non-interest income declined 0.37% to RMB5.35bn, while fee and commission income rose 3.88% to RMB1.72bn.
9M attributable net profit was RMB10.68bn, up 1.06%; adjusted for non-recurring items, net profit was RMB10.64bn, up 1.16%.
9M operating expenses fell 8.21% YoY to RMB4.94bn; credit impairment losses increased to RMB1.82bn from RMB1.18bn.
Segment performance
Retail AUM reached RMB895.45bn, up 4.99% from year-end; personal loans excluding credit cards rose 3.45% to RMB198.03bn, with non-mortgage loans up 6.64%.
Corporate FPA reached RMB708.97bn, up 8.44%; corporate loans grew 8.02% to RMB555.48bn and corporate deposits grew 7.82% to RMB550.98bn.
Inclusive small-business loans totaled RMB94.13bn, up 1.40%; loan NPL ratio was 1.65%, and new 2026 loans carried a 3.59% rate, down 38 bps from year-end.
Technology loans rose 12.56% from year-end to RMB136.48bn, serving 6,272 clients, up 8.38%.
Green finance services reached RMB118.33bn, up 8.75%; green loans rose 14.73% to RMB78.89bn and green leasing grew 13.44% to RMB20.10bn.
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Latest events from Shanghai Rural Commercial Bank
- Net profit up 0.71% to RMB 7.22B, with strong asset quality and capital adequacy maintained.601825
H1 2026 - Net profit grew 0.20% to RMB 12.31 billion, with stable asset quality and strong capital ratios.601825H2 2025
- Modest profit growth, stable asset quality, and strong capital underpin retail and green finance expansion.601825Q1 2026
- Net profit rose 1.2% to RMB 12.29bn, with stable asset quality and a higher dividend payout.601825H2 2024
- Net profit grew 10.64% year-over-year on higher income and robust asset quality.601825H2 2023
- Net profit grew 0.78% to RMB 10.57 billion, with stable asset quality and strong capital ratios.601825Q3 2025
- H1 2025 net profit up 0.41% to RMB 7.17bn; NPL 0.97%; interim dividend RMB 2.41/10 shares.601825H1 2025
- Net profit up 0.81% year-over-year to RMB 10.49 billion, with stable asset quality.601825Q3 2024
- Net profit rose 0.62% YoY to RMB 6.97bn, with strong capital and stable asset quality.601825H1 2024
Next Shanghai Rural Commercial Bank earnings date
H2 202623 Apr, 2027
Shanghai Rural Commercial Bank
Next Shanghai Rural Commercial Bank earnings date
H2 202623 Apr, 2027
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Frequently asked questions
Shanghai Rural Commercial Bank Co., Ltd. is a financial institution providing a broad range of banking services. Its offerings include corporate and personal banking products such as deposits, loans, and payment solutions. The bank also provides wealth management, trade finance, and treasury services. The company is headquartered in Shanghai, China, and its shares are listed on the SSE.