BEIJING -- China Construction Bank, the country's second-largest State-owned bank, said its net profit rose 13.8 percent year-on-year to 158.19 billion yuan ($25.1 billion) in the first three quarters of this year.

Net profit for the third quarter in 2012 stood at 51.91 billion yuan, compared with 46.19 billion during the same period of last year, according to a report the bank filed with the Shanghai Stock Exchange late Sunday.

The bank's business revenue during the January-September period reached 341.27 billion yuan as of the end of September.

Net interest income grew 17.05 percent year-on-year to 261.02 billion yuan, contributing to most of CCB's total business revenue, said the bank.

Income from commission charges added only 1.64 percent from the same period last year to 69.92 billion yuan, it said.

As of the end of September, the bank's capital adequacy ratio stood at 13.87 percent, while core capital adequacy ratio was 11.35 percent, up 0.19 percentage points and 0.38 percentage points, respectively, from the end of last year.

The bank's outstanding non-performing loan stood at 72.95 billion yuan, up 2.03 billion yuan from the end of last year, but the NPL ratio remained unchanged at 1 percent as compared with the end of June, down 0.09 percentage points from the level at the end of 2011.