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CHINA CITIC BANK
CHINA CITIC BANK (998) investor relations material
CHINA CITIC BANK 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
Net profit attributable to equity holders rose 3.02% year-over-year to RMB53.391 billion for the first nine months of 2025, while operating income declined 3.43% to RMB156.262 billion.
Total assets increased 3.83% from year-end 2024 to RMB9,898.128 billion; total loans and advances to customers grew 1.09% to RMB5,782.481 billion.
Cost-to-income ratio improved to 29.72%, down 0.25 percentage points year-over-year.
Net cash flows from operating activities turned positive at RMB210.437 billion, compared to a net outflow last year.
Financial highlights
Net interest income for the first nine months was RMB107.702 billion, down 2.06% year-over-year; net interest margin was 1.63%, down 0.16 percentage points.
Net non-interest income fell 6.34% year-over-year to RMB48.560 billion, but net fee and commission income rose 5.75% to RMB25.688 billion.
Basic earnings per share for the nine months was RMB0.89, down 5.32% year-over-year.
Total deposits from customers increased 5.00% to RMB6,067.329 billion.
Outlook and guidance
The bank aims to maintain stable growth, enhance risk management, and support the real economy, with a focus on technology, green, inclusive, pension, and digital finance.
Why did net cash flows from operating activities turn positive?
What drove 78.72% pension industry loan growth?
Personal housing mortgage NPL ratio trend?
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Next CHINA CITIC BANK earnings date
H2 202526 Mar, 2026
CHINA CITIC BANK
Next CHINA CITIC BANK earnings date
H2 202526 Mar, 2026
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Frequently asked questions
China CITIC Bank Corporation Limited provides a wide range of banking and financial services to individual, corporate, and institutional clients. Its offerings include personal and corporate banking, wealth management, investment banking, and treasury services. The bank also offers digital financial solutions and cross-border banking services. The company is headquartered in Beijing, China, and its shares are listed on the SSE and SEHK.
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