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China Zheshang Bank Co (2016) investor relations material
China Zheshang Bank Co 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
Total assets reached RMB3,389.012 billion, up 1.91% from year-end 2024; customer deposits rose 7.15% to RMB2,059.773 billion.
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%.
Net interest income decreased 3.23% year-over-year to RMB34.438 billion; net non-interest income fell 14.24%.
Non-performing loan ratio improved to 1.36%, down 0.02 percentage points from year-end 2024.
Financial highlights
Basic and diluted EPS were RMB0.42, down 10.64% year-over-year.
Return on average total assets (annualized) was 0.48%, down 0.07 percentage points; 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 points year-over-year.
Cost-to-income ratio improved to 28.37%, down 0.33 percentage points.
Outlook and guidance
Management highlighted increased cash inflow from customer deposits as a key driver for improved operating cash flow.
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Next China Zheshang Bank Co earnings date
Q4 202527 Mar, 2026
Next China Zheshang Bank Co earnings date
Q4 202527 Mar, 2026
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Frequently asked questions
China Zheshang Bank Co., Ltd. is a commercial bank providing a comprehensive range of financial products and services. The bank’s offerings include corporate and personal banking services such as deposits, loans, and payment solutions. It also provides trade finance, wealth management, and investment banking services, catering to small and medium-sized enterprises (SMEs), large corporations, and individual clients. The company is headquartered in Hangzhou, China, and its shares are listed on the HKEX.
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