Bank of Changsha (601577) investor relations material

Executive summary

• Total assets reached RMB 1,268.15 billion, up 10.59% year-over-year; net profit attributable to shareholders was RMB 8.11 billion, up 3.59% year-over-year.

• Operating income was RMB 25.47 billion, down 1.79% year-over-year; operating profit was RMB 10.10 billion, up 6.67% year-over-year.

• The bank maintained a strong market position, ranking 184th in The Banker’s Global 1000 Banks and 34th in China’s Top 100 Banks.

• Asset quality remained stable with a non-performing loan (NPL) ratio of 1.15%, down 0.02 percentage points from the previous year.

• The board proposes a total cash dividend of RMB 1.73 billion for 2025, or RMB 4.30 per 10 shares (pre-tax).

Financial highlights

• Net profit attributable to shareholders: RMB 8.11 billion, up 3.59% year-over-year.

• Operating income: RMB 25.47 billion, down 1.79% year-over-year.

• Total assets: RMB 1,268.15 billion, up 10.59% year-over-year.

• Loans and advances: RMB 611.68 billion, up 12.21% year-over-year.

• Deposits: RMB 788.65 billion, up 9.08% year-over-year.

• Basic and diluted EPS: RMB 1.93, up 3.21% year-over-year.

• Net interest margin: 1.85%, down 0.26 percentage points year-over-year.

Outlook and guidance

• The bank will focus on high-quality growth, risk management, and digital transformation in 2026.

• Strategic priorities include strengthening local market leadership, advancing digital and AI-driven banking, and supporting green and inclusive finance.

• Macroeconomic and regulatory environments are expected to remain supportive, but competition and margin pressure will persist.