CEB BANK (06818) announced its financial results for the first three quarters, with the group achieving a net profit of RMB37.28 billion, a decrease of 3.40% year-on-year. Net profit attributable to shareholders stood at RMB37.02 billion, down 3.63% YoY. Operating income totaled RMB94.34 billion, declining 7.95% YoY, including net interest income of RMB68.88 billion (down 5.11% YoY) and net fee and commission income of RMB15.50 billion (up 2.18% YoY). The weighted average return on equity was 8.83%, down 0.83 percentage points YoY.

As of the reporting period-end, the group's non-performing loan balance reached RMB50.71 billion, increasing by RMB1.46 billion from the end of last year. The non-performing loan ratio stood at 1.26%, up 0.01 percentage points, while the provision coverage ratio was 168.92%, down 11.67 percentage points.

The group's capital adequacy ratios remained compliant with regulatory requirements: total capital adequacy ratio at 13.65%, tier-1 capital adequacy ratio at 11.70%, and core tier-1 capital adequacy ratio at 9.65%. The leverage ratio was 7.20%, down 0.08 percentage points from the end of last year.