Minsheng Bank reports Q3 profit decline despite asset growth

China Minsheng Banking Corp. Ltd. announced its third-quarter 2025 results, showing total assets of RMB7,872,864 million, a 0.74% increase from the end of the previous year. Total liabilities also rose by 0.19% to RMB7,172,316 million, with customer deposits growing by 0.15% to RMB4,255,602 million. However, total loans and advances to customers decreased by 0.31% to RMB4,436,759 million.

Operating income for the first three quarters reached RMB108,509 million, an increase of 6.74% year-on-year. Despite this, net profit attributable to equity holders declined by 6.38% to RMB28,542 million. The NPL ratio saw a slight increase of 0.01 percentage points to 1.48%, while the allowance to NPLs improved by 1.06 percentage points to 143.00%.

The bank reported a liquidity coverage ratio of 133.70% as of September 30, 2025. Core tier-one capital adequacy ratio for the Group was 9.25%, a decrease of 0.11 percentage points compared to the end of the previous year. The total number of ordinary shareholders stood at 336,103, with HKSCC Nominees Limited being the largest holder with an 18.93% share.