China Zheshang Bank (2016) Q3 2025 earnings summary

Executive summary

• Total assets reached RMB3,389.012 billion as of September 30, 2025, up 1.91% from year-end 2024, with loans and advances rising 2.11% and customer deposits up 7.15% year-to-date.

• Operating income for January–September 2025 was RMB48.958 billion, down 6.78% year-over-year; net profit attributable to shareholders was RMB11.668 billion, down 9.59% year-over-year.

• Net interest income fell 3.23% year-over-year, while net non-interest income dropped 14.24%.

Financial highlights

• Net profit attributable to shareholders decreased by RMB1.237 billion or 9.59% year-over-year for the first nine months of 2025.

• Basic and diluted EPS were both RMB0.42, down 10.64% year-over-year.

• Return on average total assets (annualized) was 0.48%, down 0.07 percentage point; return on weighted average net assets (annualized) was 8.82%, down 1.51 percentage points.

• Net interest margin was 1.67%, down 0.13 percentage point year-over-year.

• Cost-to-income ratio improved slightly to 28.37%.

Outlook and guidance

• The report does not provide explicit forward-looking statements or guidance.