Bank of Chengdu (601838) Q3 2025 earnings summary

Executive summary

• Total assets reached ¥1,385.26 billion as of September 30, 2025, up 10.81% from year-end 2024.

• Deposits grew 11.35% year-to-date, and loans increased 14.13% over the same period.

• Net profit attributable to shareholders for the first nine months was ¥9.49 billion, up 5.03% year-over-year.

• Basic EPS for the first nine months was ¥2.24, down 5.49% year-over-year.

• Business structure remained stable, with deposits accounting for 76.86% of total liabilities.

Financial highlights

• Operating income for Q3 2025 was ¥5.49 billion, down 2.92% year-over-year; for the first nine months, it was ¥17.76 billion, up 3.01%.

• Net profit for Q3 2025 was ¥2.88 billion, up 0.16% year-over-year; for the first nine months, it was ¥9.49 billion, up 5.02%.

• Net cash flow from operating activities for the first nine months was ¥57.59 billion, a significant increase from the prior year.

• Non-recurring gains for the first nine months totaled ¥39.67 million, mainly from government subsidies and asset disposals.

Outlook and guidance

• Management emphasized continued integration with national and regional strategies, focusing on supporting the real economy and maintaining steady growth.