Bank of Guiyang reports mixed Q3 results: income dips, assets grow

Bank of Guiyang reported a 13.73% year-on-year decrease in operating income to 9,435,336 thousand yuan for the first nine months of 2025. Net profit attributable to ordinary shareholders also saw a slight dip of 1.39% to 3,914,944 thousand yuan. Despite this, the bank's total assets grew by 5.80% to 746,588,675 thousand yuan by September 30, 2025, with total liabilities increasing by 6.21% to 676,185,697 thousand yuan.

Loan and deposit growth showed positive trends. Loans and advances to customers increased by 1.95% to 345,740,842 thousand yuan, while customer deposits rose by 3.77% to 435,027,069 thousand yuan since the beginning of the year. The bank’s non-performing loan ratio improved, falling 0.07 percentage points from the previous quarter to 1.63%.

Key financial ratios indicate a mixed performance; the net interest margin decreased to 1.57% from 1.80% in the same period last year, and the cost-to-income ratio increased to 28.09% from 25.18%. However, the capital adequacy ratio remained strong at 15.05%, surpassing regulatory requirements.