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Hua Xia Bank Co. (600015) investor relations material
Hua Xia Bank Co. Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Oct, 2025
Executive summary
Net profit attributable to shareholders for Q3 2025 was RMB 6,512 million, up 7.62% year-over-year; for the first nine months, it was RMB 17,982 million, down 2.86% year-over-year.
Operating income for Q3 2025 was RMB 19,359 million, down 15.02% year-over-year; for the first nine months, RMB 64,881 million, down 8.79% year-over-year.
Total assets at September 30, 2025 reached RMB 4,586,358 million, up 4.80% from year-end 2024.
Financial highlights
Basic EPS for Q3 2025 was RMB 0.38, unchanged year-over-year; for the first nine months, RMB 1.04, also unchanged.
Net interest margin for the first nine months was 1.62%, up 0.01 percentage points year-over-year.
Cost-to-income ratio for the first nine months was 29.95%, down 0.21 percentage points year-over-year.
Operating cash flow for the first nine months was RMB 88,871 million, a significant improvement from negative RMB 7,451 million in the prior year.
Outlook and guidance
Management emphasized a focus on high-quality development, structural adjustment, and efficiency improvement.
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Next Hua Xia Bank Co. earnings date
H2 202519 Apr, 2026
Next Hua Xia Bank Co. earnings date
H2 202519 Apr, 2026
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Frequently asked questions
Hua Xia Bank Co., Limited provides a wide range of financial services to corporate, individual, and institutional clients. Its offerings include deposit accounts, loans, credit cards, wealth management products, and trade finance solutions. The bank also delivers services such as cash management, investment banking, and international settlement to support business and personal financial needs. The company is headquartered in Beijing, China, and its shares are listed on the Shanghai Stock Exchange (SSE).
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