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Bank of Hangzhou Co. (600926) investor relations material
Bank of Hangzhou Co. Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary31 Oct, 2025
Executive summary
Achieved operating income of RMB 28.88 billion for the first nine months of 2025, up 1.35% year-over-year; net profit attributable to shareholders reached RMB 15.88 billion, up 14.53% year-over-year.
Total assets at quarter-end were RMB 2.30 trillion, up 8.67% from the previous year-end; total loans increased 9.39% and deposits rose 5.97%.
Asset quality remained stable with a non-performing loan (NPL) ratio of 0.76%, unchanged from year-end 2024.
Financial highlights
Net interest income for the first nine months was RMB 20.09 billion, up 9.96% year-over-year.
Fee and commission income grew 12.65% year-over-year to RMB 3.30 billion.
Basic earnings per share (EPS) for the first nine months was RMB 2.31, up 0.87% year-over-year.
Operating cash flow for the first nine months was RMB 82.75 billion, up 311.71% year-over-year, mainly due to increased net decrease in financial assets held for trading.
Outlook and guidance
Continued focus on expanding corporate, retail, and asset management segments, with emphasis on digital transformation and green finance.
Plans to distribute a mid-year cash dividend of RMB 3.80 per 10 shares, totaling RMB 2.75 billion.
Explain operating cash flow surge
Green loan growth drivers and future targets
Explain the LCR decline from 244% to 181%
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Next Bank of Hangzhou Co. earnings date
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Frequently asked questions
Bank of Hangzhou Co., Ltd. provides a wide range of financial services, including corporate banking, personal banking, and wealth management solutions. The company offers deposit accounts, loans, credit cards, and payment services to individual customers, while supporting businesses with tailored financing options, cash management, and trade finance services. It also provides investment and asset management products to help clients grow their wealth. The company is headquartered in Hangzhou, China, and its shares are listed on the SSE.
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