Bank Hengfeng: Pada tahun 2025, laba bersih yang menjadi hak pemegang saham bank ini mencapai 5,907 miliar yuan, meningkat 8,31% dibandingkan tahun sebelumnya.

LightningPacketLoss · 2026-04-04T05:38:35+00:00

Laporan tahunan Hengfeng Bank 2025 menunjukkan bahwa pendapatan operasional mencapai 271,59 miliar yuan, meningkat 5,37% dibanding tahun sebelumnya; laba bersih sebesar 59,06 miliar yuan, meningkat 10,25%. Total aset mencapai 16.104,13 miliar yuan, total pinjaman dan kredit sebesar 9.272,42 miliar yuan. Rasio kredit bermasalah turun menjadi 1,35%, menurun selama tujuh tahun berturut-turut, dan rasio kecukupan modal tetap baik.

LightningPacketLoss

2026-04-04 05:38:35

Pembuatan abstrak sedang berlangsung

1 April, Bank Hengfeng published its 2025 annual report. In 2025, the group achieved operating revenue of 27.16B yuan, a year-on-year increase of 1.38B yuan, up 5.37%. Of this, net interest income was 22.57B yuan, up 8.72%; net fee and commission income was 2.57B yuan, up 10.00%. Net profit was 5.91B yuan, a year-on-year increase of 549M yuan, up 10.25%. Net profit attributable to the bank’s shareholders was 5.91B yuan, up 8.31%. The average return on total assets (ROA) and the average return on net assets attributable to the bank’s ordinary shareholders (ROE) were 0.38% and 4.08%, respectively.

As of the end of 2025, the group’s total assets were 1,610.413 billion yuan, an increase of 75.08B yuan from the end of the previous year, up 4.89%. Of this, total loans and advances were 927.24B yuan, an increase of 66.11B yuan from the end of the previous year, up 7.68%. Total liabilities were 1,484.243 billion yuan, an increase of 86.94B yuan from the end of the previous year, up 6.22%. Total deposits absorbed were 928.04B yuan, an increase of 64B yuan from the end of the previous year, up 7.41%. Net interest margin was 1.56%, an increase of 4 basis points from the end of the previous year. In an environment of continued downward movement in LPR, it achieved an upswing against the trend. The average cost rate of customer deposits decreased by 34 basis points, and by vigorously expanding retail and settlement-type deposits, the proportion of retail deposits increased by 3.25 percentage points.

In terms of asset quality, as of the end of 2025, the group’s balance of non-performing loans was 12.52B yuan, a decrease of 358M yuan from the end of the previous year; the non-performing loan ratio was 1.35%, down 0.14 percentage points from the end of the previous year, achieving a continuous decline for 7 years. The provision coverage ratio was 162.30%, an increase of 7.90 percentage points from the end of the previous year, reaching regulatory requirements.

As of the end of 2025, the group’s core tier 1 capital adequacy ratio, tier 1 capital adequacy ratio, and capital adequacy ratio were 8.78%, 9.89%, and 12.63%, respectively.

(Bank Hengfeng)

(Editor: Qian Xiaorui)

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