CZBANK (02016) announced its financial results for the first three quarters of 2025. The bank reported operating income of RMB 48.96 billion, a year-on-year decrease of 6.78%. Net profit attributable to shareholders stood at RMB 11.67 billion, down 9.59% YoY, with basic earnings per share of RMB 0.47.

As of the reporting period end, the group's total assets reached RMB 3,389.01 billion, an increase of RMB 63.47 billion or 1.91% compared to the end of the previous year. Total loans and advances amounted to RMB 1,896.27 billion, up RMB 39.16 billion or 2.11% from year-end 2024. Total liabilities grew to RMB 3,182.28 billion, rising RMB 59.48 billion or 1.90% YoY, with customer deposits increasing by RMB 137.48 billion (7.15%) to RMB 2,059.77 billion.

The group's non-performing loan balance stood at RMB 25.66 billion as of the reporting date, up RMB 167 million from year-end 2024. The NPL ratio improved slightly to 1.36%, down 0.02 percentage points. The provision coverage ratio declined to 159.56%, decreasing by 19.11 percentage points, while the loan provision ratio fell 0.29 percentage points to 2.17%.

Capital adequacy ratios showed mixed trends: the capital adequacy ratio decreased by 0.46 percentage points to 12.15%, while the Tier 1 capital adequacy ratio remained flat at 9.61%. The core Tier 1 capital adequacy ratio edged up 0.02 percentage points to 8.40%.