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.

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

Hengfeng Bank's 2025 Annual Report shows that operating income reached 27.159 billion yuan, a year-on-year increase of 5.37%; net profit was 5.906 billion yuan, an increase of 10.25%. Total assets amounted to 1,610.413 billion yuan, with total loans and advances of 927.242 billion yuan. The non-performing loan ratio decreased to 1.35%, continuing a seven-year decline, and the capital adequacy ratio remains healthy.

LightningPacketLoss

2026-04-04 05:38:35

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On April 1, Hengfeng Bank released its 2025 annual report. In 2025, the Group recorded operating income of RMB 27.16B, up by RMB 1.38B year-on-year, an increase of 5.37%. Of this, net interest income was RMB 22.57B, up by 8.72%; net fee and commission income was RMB 2.57B, up by 10.00%. Net profit was RMB 5.91B, up by RMB 549M year-on-year, an increase of 10.25%. Net profit attributable to the Bank’s shareholders was RMB 5.91B, 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.

By the end of 2025, the Group’s total assets were RMB 1,610.413 billion, up by RMB 75.08B from the end of the previous year, an increase of 4.89%. Of this, total loans and advances were RMB 927.24B, up by RMB 66.11B from the end of the previous year, an increase of 7.68%. Total liabilities were RMB 1,484.243 billion, up by RMB 86.94B from the end of the previous year, an increase of 6.22%. Total customer deposits were RMB 928.04B, up by RMB 64B from the end of the previous year, an increase 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 continuous declines in LPR, it achieved an increase against the trend. The average cost rate of customer deposits decreased by 34 basis points. By vigorously expanding retail business and settlement deposits, the share of retail deposits increased by 3.25 percentage points.

Regarding asset quality, by the end of 2025, the Group’s balance of non-performing loans was RMB 12.52B, down by RMB 358M from the end of the previous year. The non-performing loan ratio was 1.35%, down by 0.14 percentage points from the end of the previous year, achieving seven consecutive years of decline. The allowance coverage ratio was 162.30%, up by 7.90 percentage points from the end of the previous year, meeting regulatory requirements.

By the end of 2025, the Group’s core tier-one capital adequacy ratio, tier-one capital adequacy ratio, and total capital adequacy ratio were 8.78%, 9.89%, and 12.63%, respectively.

(Hengfeng Bank)

(Editor: Qian Xiaorui)

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