Following a series of positive preliminary earnings reports from over a dozen bank stocks, the industry has now witnessed its first instance of both revenue and net profit declining year-on-year. On the evening of February 13, Hua Xia Bank released its 2025 preliminary earnings report. According to the bank's initial consolidated data, while Hua Xia Bank maintained steady growth in total assets during 2025, its operating performance showed a slight downturn, with both revenue and net profit experiencing a minor decrease.

Specifically, Hua Xia Bank reported revenue of 919.14 billion yuan for 2025, representing a year-on-year decline of 5.39%. Net profit attributable to shareholders of the listed company was 272.00 billion yuan, a slight decrease of 1.72% compared to the previous year. Basic earnings per share remained unchanged at 1.62 yuan. The weighted average return on equity (ROE) stood at 8.32%, down 0.52 percentage points from the prior year.

As of the end of 2025, the bank's total assets reached 4,737.619 billion yuan, an increase of 8.25% from the end of the previous year, maintaining a steady growth trajectory. Total loans amounted to 2,566.666 billion yuan, up 8.47% year-on-year, while total deposits grew by 10.71% to 2,381.699 billion yuan.

The preliminary report also indicated resilience in the bank's asset quality indicators. The non-performing loan ratio at the end of the reporting period was 1.55%, down 0.05 percentage points from the end of the previous year. The provision coverage ratio stood at 143.30%, declining by 18.59 percentage points. Although risk absorption capacity remained within a reasonable range, it showed signs of narrowing.

Additionally, equity attributable to shareholders of the listed company reached 395.746 billion yuan by the end of 2025, rising 9.33% from the previous year. Net asset value per share increased to 19.84 yuan, up 4.59% year-on-year, reflecting continued strengthening of shareholder equity.

Hua Xia Bank noted in its preliminary earnings report that the disclosed figures are based on initial calculations and are subject to finalization in the 2025 annual report.