China CITIC Bank reports steady growth, rising profit and assets in Q3 2025

China CITIC Bank Corporation Limited reported a 3.02% year-on-year increase in net profit attributable to shareholders, reaching 53.391 bn yuan for the first nine months of 2025. Total assets grew by 3.83% from the end of last year to 9,898.128 bn yuan, while total liabilities also rose by 3.79% to 9,055.936 bn yuan. Customer deposits increased by 5.00% to 6,067.329 bn yuan.

The bank's operational revenue for the first nine months was 156.598 bn yuan, a 3.46% decrease year-on-year. Net interest income for the period was 1,077.02 bn yuan, a 2.06% decrease. The non-interest net income reached 48.896 bn yuan, a 6.40% decrease, though net fee and commission income saw a 5.75% rise to 256.88 bn yuan. The cost-to-income ratio improved by 0.21 percentage points to 28.58%.

As of September 30, 2025, the non-performing loan ratio remained stable at 1.16%, with the provision coverage ratio at 204.16%, a decrease of 5.27 percentage points from the end of last year. The loan loss allowance ratio was 2.36%. The core tier-one capital adequacy ratio stood at 9.59%, while the tier-one capital adequacy ratio was 11.03%, and the capital adequacy ratio was 13.01%.