Bank Zhejiang Merchants mencapai laba bersih 12,9 miliar yuan pada tahun 2025, turun 14,85% dibandingkan tahun sebelumnya. Ketua Dewan, Chen Haiqiang, menyatakan akan berpegang pada prinsip jangka panjang.

Operator Finance Network Zhang Yundi / Text

Recently, Zheshang Bank announced its 2025 performance report and held the 2025 annual performance briefing, attracting market attention.

Data shows that in 2025, Zheshang Bank achieved operating income of 62.514 billion yuan, a decrease of 7.59% compared to the previous year; net profit attributable to the bank’s shareholders was 12.931 billion yuan, down 14.85% year-on-year. In terms of asset quality, as of the end of the reporting period, Zheshang Bank’s non-performing loan ratio was 1.36%, down 0.02 percentage points from the end of the previous year; the provision coverage ratio was 155.37%, down 23.30 percentage points from the end of the previous year, indicating a weakening of risk mitigation capacity.

In terms of scale indicators, as of the end of the reporting period, Zheshang Bank’s total assets reached 3.48 trillion yuan, an increase of 4.68% from the end of the previous year.

Overall, Zheshang Bank experienced a decline in both profit and performance last year, with a clear pressure on its results. Compared horizontally with 12 nationwide joint-stock commercial banks, the bank not only shows a significant profit gap with leading banks such as China Merchants Bank, Industrial Bank, and CITIC Bank, but even compared to banks like Huaxia Bank and Guangfa Bank, which also saw declines in revenue and profit, the decrease is notably higher.

In response to its performance, Chairman Chen Haiqiang stated at the performance briefing that the bank has not pursued short-term gains or followed the traditional path of “building big clients,” but instead adheres to long-termism by strengthening fundamentals, adjusting structure, enhancing compliance, and controlling risks, thereby maintaining overall stable operations.

This development path reflects the true situation of Zheshang Bank, and Chen Haiqiang has not been the first to make similar statements. After all, for a long time, Zheshang Bank’s reliance on high-cost liabilities has accumulated considerable pressure. Maintaining prudent operations and solidifying the development bottom line remain the bank’s current core tasks.

However, contrasting with the repeated emphasis by senior management that “risk prevention and control, and compliance management are the top priorities,” the effectiveness of Zheshang Bank’s compliance implementation has not met expectations.

For a bank committed to long-termism, a decline in performance can be gradually repaired, but lapses in compliance are urgent issues to be addressed. Operator Finance Network will continue to monitor the bank’s subsequent developments.

(Editor: Zhang Yundi)