Bank of Communications disclosed its third-quarter report for 2026 on October 30.
In the first three quarters, the group achieved operating revenue of 215.653 billion yuan, up 8.02% year on year, while net profit attributable to shareholders of the parent company reached 74.262 billion yuan, up 6.10% year on year.
In the third quarter alone, operating revenue came in at 73.310 billion yuan and net profit attributable to the parent was 26.388 billion yuan, rising 10.61% and 10.05% respectively from a year earlier.
In terms of income structure, net interest income for the first three quarters totaled 140.694 billion yuan, an increase of 12.046 billion yuan or 9.36% year on year, accounting for 65.24% of operating revenue.
The net interest margin stood at 1.24%, up 4 basis points year on year; interest income was 309.219 billion yuan and interest expense was 168.525 billion yuan, down 10.76% year on year.
Among non-interest income, net fee and commission income reached 28.876 billion yuan; investment income and fair value changes together amounted to 24.786 billion yuan, up 4.423 billion yuan or 21.72% year on year.
On the scale side, as of the end of September, the group's total assets stood at 16.48 trillion yuan, up 5.97% from the end of last year; customer loans totaled 9.60 trillion yuan, up 5.19% from the end of last year, of which corporate loans were 6.57 trillion yuan, up 8.64%; personal loans were 2.73 trillion yuan, bill discounting was 304.844 billion yuan, up 24.57%; and net financial investments were 4.80 trillion yuan, up 5.99%.
Customer deposits amounted to 9.98 trillion yuan, up 7.24% from the end of last year.
Regarding asset quality and capital adequacy, as of the end of September, the group's non-performing loan ratio was 1.29% and the provision coverage ratio was 200.11%.
Capital indicators met regulatory requirements: the core tier-one capital adequacy ratio was 11.35%, the tier-one capital adequacy ratio was 12.55%, and the capital adequacy ratio was 16.09%.
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