---
title: "Galaxy Securities: Most banks are expected to see improved full-year performance in 2025 compared to the first three quarters"
type: "News"
locale: "zh-HK"
url: "https://longbridge.com/zh-HK/news/280233501.md"
description: "The research report from Galaxy Securities indicates that the performance of 14 banks in 2025 will improve compared to the first three quarters, with some joint-stock banks experiencing a positive revenue growth rate and regional banks showing excellent revenue and profit growth. Credit growth remains stable, and the improvement in performance benefits from a narrowing decline in interest margins and a steady decrease in non-performing loan ratios, with the provision coverage ratio maintained at a high level. It is expected that the release of provisions will contribute to net profit. Some banks are expected to increase their provision coverage ratio in the fourth quarter, which may strengthen the provision allocation for key areas"
datetime: "2026-03-24T00:49:16.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/280233501.md)
  - [en](https://longbridge.com/en/news/280233501.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/280233501.md)
---

> 支持的語言: [简体中文](https://longbridge.com/zh-CN/news/280233501.md) | [English](https://longbridge.com/en/news/280233501.md)


# Galaxy Securities: Most banks are expected to see improved full-year performance in 2025 compared to the first three quarters

According to a research report from Galaxy Securities, this week, China CITIC Bank and Ping An Bank released their 2025 annual reports, while Shanghai Bank published its 2025 performance flash report. In 2025, the revenue of China CITIC Bank, Ping An Bank, and Shanghai Bank is expected to change by -0.55%, -10.4%, and +3.35% year-on-year, respectively; the net profit attributable to shareholders is expected to change by +2.98%, -4.21%, and +2.69% year-on-year, respectively. Among the 14 banks that have disclosed their performance so far, most banks have shown improvement in their full-year performance compared to the first three quarters of 2025. Notably, some joint-stock banks have achieved positive revenue growth, and some regional banks continue to maintain excellent revenue and profit growth compared to their peers. Overall, the credit growth of the 14 banks remains stable, and the improvement in performance is mainly attributed to the narrowing and stabilization of interest margin declines. Additionally, the non-performing loan ratio is steadily decreasing, and the provision coverage ratio remains at a high level, with expected provision releases still contributing to net profit. Some banks have seen an increase in provision coverage ratio in Q4 2025, and it is not ruled out that they will strengthen provision accruals for key areas

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