Hangzhou Bank's 2025 earnings report released: net profit exceeds 19 billion yuan, non-performing loan ratio remains low.

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On January 24, Bank of Hangzhou released its 2025 annual performance report. According to the announcement, in 2025, Bank of Hangzhou achieved operating income of 38.799 billion yuan, a year-on-year increase of 1.09%; net profit attributable to shareholders of the listed company reached 19.03 billion yuan, a year-on-year increase of 12.05%. Revenue growth remained relatively stable, and profitability was impressive.

In addition, by the end of 2025, the bank’s total assets had reached 2.36 trillion yuan, an increase of nearly 12% compared to the end of the previous year. While both scale and profits grew rapidly, asset quality remained stable, with the non-performing loan ratio maintained at a low industry level of 0.76%; overall operations are in good condition.

Impressive Income Structure

The report shows that 2025 is the final year of Bank of Hangzhou’s “2255” strategic plan. The bank not only completed its operational goals, but also performed well in its income structure.

Specifically, last year, Bank of Hangzhou’s net interest income was 27.594 billion yuan, a year-on-year increase of 12.83%; net fee and commission income was 4.207 billion yuan, a year-on-year increase of 13.10%. Both major businesses saw double-digit growth, which is rather rare in the industry.

Rapid Growth in Asset Scale

By the end of 2025, Bank of Hangzhou’s total assets had reached 2.364902 trillion yuan, a year-on-year increase of 11.96%.

In terms of credit issuance, the bank’s total loan balance at the end of the period was 1.071876 trillion yuan, an increase of 14.33% compared to the previous year. Specifically, the growth rates of loan balances for manufacturing, technology, and green loans all exceeded 20%, rising by 22.25%, 23.44%, and 22.75% respectively, demonstrating continuous optimization of credit structure.

Additionally, Bank of Hangzhou performed remarkably well on the liabilities side in 2025, with robust deposit growth momentum. The total deposit balance at the end of the period was 1.440579 trillion yuan, an increase of 13.20% compared to the end of the previous year.

Low Non-Performing Loan Ratio Maintained

Regarding asset quality, which is widely monitored by the industry, Bank of Hangzhou maintained a good level. By the end of 2025, the bank’s non-performing loan ratio stood at 0.76%, consistently at a low level within the industry.

More forward-looking indicators, such as the ratio of overdue loans to non-performing loans and the ratio of loans overdue by more than 90 days to non-performing loans, stood at 55.87% and 45.44% respectively for Bank of Hangzhou—both representing significant drops of 16.87 and 10.17 percentage points from the previous year-end, indicating that potential risk measures have considerably improved.

It is also noteworthy that the scale of wealth management products under its subsidiary Hang Yin Wealth Management exceeded the 600 billion yuan mark, a significant increase of 39% compared to the previous year-end, showing a strong momentum in wealth management business growth.

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