ZYBANK (01216) announced its financial results for the year ended December 31, 2025. The group recorded a net interest income of 22.519 billion yuan, representing a year-on-year increase of 4.5%. Operating revenue reached 26.507 billion yuan, up 2.1% from the previous year. Net profit attributable to the bank's shareholders was 3.589 billion yuan, an increase of 4.1% compared to the prior year, with earnings per share at 0.08 yuan.

The bank maintained a strategy of seeking progress while ensuring stability. By strengthening asset quality, enhancing profitability, and reinforcing capital strength, it has solidified the foundation for long-term healthy development. The strategic implementation path has become increasingly clear, with core drivers for high-quality development continuing to strengthen. Corporate governance structures have been consistently improved, and internal control mechanisms have become more robust. The bank's brand image and social influence have steadily risen, accelerating the formation of new core competencies.

As of the end of the reporting period, the bank's total assets stood at 1,414.293 billion yuan, an increase of 49.096 billion yuan from the end of the previous year, reflecting a growth rate of 3.6%. Total loans outstanding, excluding accrued interest, amounted to 733.905 billion yuan, an increase of 19.450 billion yuan, or 2.7%, from the prior year-end. Total deposits, excluding accrued interest, reached 959.127 billion yuan, rising by 69.693 billion yuan, or 7.8%, compared to the end of the previous year.

Operating revenue for the period was 26.507 billion yuan, an increase of 2.1%. Net profit realized was 3.576 billion yuan, up 3.1% year-on-year. The non-performing loan ratio was 1.96%, a decrease of 0.06 percentage points from the end of the previous year. The provision coverage ratio was 165.75%, up 10.72 percentage points from the year-end figure. The core tier 1 capital adequacy ratio, tier 1 capital adequacy ratio, and capital adequacy ratio were 8.89%, 11.38%, and 13.52% respectively, each increasing by 0.43, 0.45, and 0.50 percentage points from the prior year-end, indicating sustained enhancement of capital strength.