Hengfeng Bank: Achieve a net profit attributable to shareholders of the bank of 5.907 billion yuan by 2025, an increase of 8.31% year-on-year.

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

By the end of 2025, the Group’s total assets were 1,610.413 billion yuan, up 75.08B yuan from the end of the previous year, a growth rate of 4.89%. Of this, total loans and advances amounted to 927.24B yuan, up 66.11B yuan from the end of the previous year, a growth rate of 7.68%. Total liabilities were 1,484.243 billion yuan, up 86.94B yuan from the end of the previous year, a growth rate of 6.22%. Total customer deposits absorbed were 928.04B yuan, up 64B yuan from the end of the previous year, a growth rate of 7.41%. The net interest margin was 1.56%, up by 4 basis points from the end of the previous year. Against the backdrop of continued downward movement in the LPR, it achieved an increase against the trend. The average cost ratio of customer deposits decreased by 34 basis points. By vigorously expanding retail and settlement-related deposits, etc., it achieved a 3.25 percentage-point increase in the share of retail deposits.

Regarding asset quality, as of the end of 2025, the Group’s balance of non-performing loans was 12.52B yuan, down 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 seventh consecutive year of decline. The allowance coverage ratio was 162.30%, up 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-one capital adequacy ratio, tier-one capital adequacy ratio, and capital adequacy ratio were 8.78%, 9.89%, and 12.63%, respectively.

(Hengfeng Bank)

(Editor: Qian Xiaorui)

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