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China Minsheng Banking Corp (600016) investor relations material
China Minsheng Banking Corp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Achieved steady growth in total assets, reaching RMB 7.87 trillion, up 0.74% from year-end 2024.
Operating income for the first nine months rose 6.74% year-over-year to RMB 108.51 billion, while net profit attributable to shareholders declined 6.38% to RMB 28.54 billion.
Strategic focus on optimizing asset-liability structure, risk control, and high-quality development, with notable advances in digital, green, and inclusive finance.
Financial highlights
Net interest income increased 2.40% year-over-year to RMB 75.51 billion for the first nine months.
Non-interest income grew 18.20% year-over-year, with fee and commission income up 0.70%.
Net profit attributable to shareholders for Q3 was RMB 7.16 billion, down 10.61% year-over-year; for the first nine months, RMB 28.54 billion, down 6.38%.
Basic and diluted EPS for the first nine months was RMB 0.59, down 1.67% year-over-year.
Operating cash flow turned positive at RMB 46.06 billion, compared to negative RMB 194.60 billion last year.
Outlook and guidance
Management emphasizes continued focus on high-quality growth, risk control, and digital transformation.
Plans to further strengthen core business, optimize structure, and enhance customer acquisition and service efficiency.
What caused the Q3 net profit decline despite revenue growth?
How is the loan and deposit mix evolving and why?
Explain the shift in NPL categories this quarter.
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Next China Minsheng Banking Corp earnings date
Q4 202531 Mar, 2026
Next China Minsheng Banking Corp earnings date
Q4 202531 Mar, 2026
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Frequently asked questions
China Minsheng Banking Corp Ltd provides a range of banking and financial services to individual and corporate clients. Its offerings include personal and corporate banking, wealth management, investment banking, and treasury operations. The bank supports various industries with tailored financial solutions, including loans, deposits, and payment services. The company is headquartered in Beijing, China, and its shares are listed on the SSE and SEHK.
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