BEIJING -- The China Everbright Bank announced on Monday that its net profits totaled 21.7 billion yuan ($3.54 billion) in the first three quarters of 2013, up 13.87 percent year on year.

Everbright's total assets stood at 2.47 trillion yuan, up 8.56 percent from the end of last year, according to the bank's financial report.

By the end of September, its net interest income rose 1.6 percent to 38.54 billion yuan, while its commission in Jan-Sept hit 11.11 billion yuan, up 66.33 percent year on year, owing to strong performances in the businesses of bank cards and agent financing.

The non-performing loan (NPL) balance totaled 9.36 billion yuan by the end of last month, with an NPL ratio of 0.82 percent, slightly higher than at the end of 2012.