<p>On January 24, HZBANK released its performance report for the year 2025. The announcement showed that in 2025, HZBANK achieved an operating income of 38.799 billion yuan, a year-on-year increase of 1.09%; the net profit attributable to shareholders of the listed company was 19.03 billion yuan, a year-on-year increase of 12.05%; the revenue growth rate was relatively stable, and the profitability performance was impressive.</p>
<p>In addition, the total assets of the bank reached 2.36 trillion yuan by the end of 2025, an increase of nearly 12% compared to the end of the previous year. While the scale and profits grew rapidly, the asset quality remained stable, with a non-performing loan ratio maintained at a low industry level of 0.76%, and overall operations were in good condition.</p>
<h2><strong>Good Performance in Revenue Structure</strong></h2>
<p>The report indicated that 2025 marked the final year of HZBANK's &#34;2255&#34; strategic plan. The bank not only achieved its operational goals but also performed well in terms of revenue structure.</p>
<p>Specifically, HZBANK's net interest income last year was 27.594 billion yuan, a year-on-year increase of 12.83%; the net income from fees and commissions was 4.207 billion yuan, a year-on-year increase of 13.10%. Both major businesses experienced double-digit growth, which is relatively rare in the industry.</p>
<h2><strong>Rapid Growth in Asset Scale</strong></h2>
<p>By the end of 2025, HZBANK's total assets reached 23,649.02 billion yuan, an increase of 11.96% compared to the end of the previous year.</p>
<p>In terms of credit issuance, the total loan amount at the end of the period was 10,718.76 billion yuan, an increase of 14.33% compared to the end of the previous year. Specifically, the balance growth rates of loans in manufacturing, technology, and green loans all exceeded 20%, increasing by 22.25%, 23.44%, and 22.75%, respectively, indicating a continuous optimization of the credit structure.</p>
<p>Additionally, HZBANK's liabilities also performed outstandingly in 2025, with strong growth momentum in deposits. The total deposits at the end of the period were 14,405.79 billion yuan, an increase of 13.20% compared to the end of the previous year.</p>
<h2><strong>Low Non-Performing Loan Ratio</strong></h2>
<p>In terms of asset quality, which is of general concern in the industry, HZBANK maintained a good level. By the end of 2025, the bank's non-performing loan ratio was 0.76%, remaining at a low level in the industry.</p>
<p>More forward-looking indicators, such as the ratio of overdue loans to non-performing loans and the ratio of loans overdue for more than 90 days to non-performing loans, were 55.87% and 45.44%, respectively, both significantly decreasing by 16.87 and 10.17 percentage points compared to the end of the previous year, indicating a substantial optimization of potential risk indicators.</p>
<p>It is also noteworthy that the scale of the existing wealth management products of the subsidiary Hangyin Wealth Management exceeded 600 billion yuan, a significant increase of 39% compared to the end of the previous year, showing a good growth momentum in wealth management business</p>

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<p>Net profit growth rate exceeds 12%</p>

HZBANK's 2025 performance report is out: net profit exceeds 19 billion yuan, and the non-performing loan ratio remains low