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Shanghai Rural Commercial Bank (601825) investor relations material
Shanghai Rural Commercial Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary31 Oct, 2025
Executive summary
Achieved net profit attributable to shareholders of RMB 10.57 billion for the first nine months of 2025, up 0.78% year-over-year.
Operating performance remained solid with total assets reaching RMB 1.56 trillion, up 4.72% from year-end 2024.
Asset quality stable with NPL ratio at 0.97% and provision coverage at 340.10%.
Capital adequacy ratios remain robust, all above regulatory requirements.
Financial highlights
Operating income for Q1–Q3 2025 was RMB 19.83 billion, down 3.18% year-over-year.
Net profit attributable to shareholders for Q1–Q3 2025 was RMB 10.57 billion, up 0.78% year-over-year.
Basic and diluted EPS for Q1–Q3 2025 were both RMB 1.10, up 0.92% year-over-year.
Cost-to-income ratio improved to 27.16%, down 1.50 percentage points year-over-year.
Net cash flow from operating activities was RMB 21.70 billion, down 29.83% year-over-year.
Outlook and guidance
Retail transformation and digitalization initiatives continue to drive customer growth and service efficiency.
Focus on expanding green, inclusive, and technology finance to support sustainable development.
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Next Shanghai Rural Commercial Bank earnings date
Q4 202524 Apr, 2026
Next Shanghai Rural Commercial Bank earnings date
Q4 202524 Apr, 2026
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Frequently asked questions
Shanghai Rural Commercial Bank Co., Ltd. is a financial institution providing a broad range of banking services. Its offerings include corporate and personal banking products such as deposits, loans, and payment solutions. The bank also provides wealth management, trade finance, and treasury services. The company is headquartered in Shanghai, China, and its shares are listed on the SSE.
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