The first bank stock performance report with negative profit growth has appeared.

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After getting used to more than a dozen banks publishing performance bulletins showing positive growth, the industry's first performance bulletin with year-on-year negative growth in operating income and net profit has "surfaced."

On the evening of February 13, Huaxia Bank released its 2025 performance bulletin. The report shows, according to the group-caliber preliminary calculations, while Huaxia Bank maintained steady asset scale growth in 2025, its operational efficiency saw slight declines in both revenue and net profit.

Specifically, in 2025, Huaxia Bank achieved an operating income of 91.914 billion yuan, down 5.39% year-on-year; net profit attributable to shareholders of the listed company was 27.2 billion yuan, down slightly by 1.72% year-on-year. Basic earnings per share remained at 1.62 yuan, the same as last year. Weighted average return on equity (ROE) was 8.32%, down 0.52 percentage points from last year.

As of the end of 2025, the group's total assets under Huaxia Bank reached 4,737.619 billion yuan, up 8.25% from the end of last year, continuing steady growth. Among them, total loans amounted to 2,566.666 billion yuan, up 8.47% year-on-year; total deposits were 2,381.699 billion yuan, up 10.71% year-on-year.

The bulletin also shows that Huaxia Bank demonstrated certain resilience in asset quality indicators. At the end of the reporting period, the bank's non-performing loan ratio was 1.55%, down 0.05 percentage points from the end of last year. Asset provisioning coverage ratio was 143.30%, down 18.59 percentage points compared to last year. Although risk compensation capability remains within a reasonable range, it has somewhat narrowed.

Additionally, as of the end of 2025, shareholders' equity attributable to shareholders of the listed company was 395.746 billion yuan, up 9.33% from last year; net assets per share rose to 19.84 yuan, up 4.59% year-on-year, with shareholder equity continuing to strengthen.

Huaxia Bank also stated in its performance bulletin that the disclosed data is preliminary, and the final data will be subject to the 2025 annual report.

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