ZYBANK (01216) announced its interim results for 2025, reporting net interest income of approximately RMB 11.051 billion, representing a year-on-year increase of 3.2%. Operating income reached RMB 13.5625 billion, declining 3.1% compared to the same period last year. Net profit attributable to the bank's shareholders totaled RMB 2.0336 billion, down 0.8% year-on-year, with earnings per share of RMB 0.05.

As of the end of the reporting period, the bank's total assets amounted to RMB 1,407.927 billion, an increase of RMB 42.73 billion or 3.1% from the previous year-end. Total loans (excluding accrued interest) stood at RMB 715.016 billion, rising by RMB 0.561 billion or 0.1% from year-end. Deposit balances (excluding accrued interest) reached RMB 943.675 billion, up RMB 54.241 billion or 6.1% from the previous year-end.

The non-performing loan ratio improved to 2.01%, down 0.01 percentage points from year-end. The provision coverage ratio increased to 161.05%, up 6.02 percentage points from the previous year-end. The core Tier 1 capital adequacy ratio, Tier 1 capital adequacy ratio, and capital adequacy ratio stood at 8.67%, 11.18%, and 13.29% respectively, representing increases of 0.21, 0.25, and 0.27 percentage points from year-end, demonstrating continued strengthening of the bank's capital position.