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Bank of Hangzhou Co. (600926) investor relations material
Bank of Hangzhou Co. Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Achieved revenue of RMB 21.05 billion for H1 2026, up 4.75% year-over-year; net profit attributable to shareholders reached RMB 12.81 billion, up 9.87% year-over-year.
Total assets grew to RMB 2.47 trillion, up 4.46% from year-end 2025; loans and advances increased 8.43% to RMB 1.16 trillion.
Asset quality remained stable with an NPL ratio of 0.76%; provision coverage at 471.96%.
Basic EPS was RMB 1.70; weighted average ROE was 8.87%.
Financial highlights
Net interest income rose 19.17% year-over-year to RMB 15.60 billion, accounting for 74.11% of total revenue.
Non-interest income declined 22.20% year-over-year, mainly due to lower investment returns.
Cost-to-income ratio improved to 22.94%, down 1.14 percentage points year-over-year.
Operating cash flow was negative RMB 34.56 billion, compared to positive RMB 29.26 billion in H1 2025.
Outlook and guidance
Continues to focus on high-quality growth, digital transformation, and risk management.
Strategic priorities include expanding in the Yangtze River Delta, supporting manufacturing, green finance, and digital banking.
- 2025 net profit up 12.05% to RMB 19.03bn; asset quality and capital ratios remain strong.600926
Q4 2025 - Q1 2026 saw 10.09% net profit growth, stable asset quality, and strong loan expansion.600926
Q1 2026 - Net profit up 14.53% year-over-year with stable asset quality and strong capital ratios.600926
Q3 2025 - Net profit rose 16.67% year-over-year, with stable asset quality and strong capital ratios.600926
Q2 2025 - Net profit surged 18.63% year-over-year, with robust loan and deposit growth and stable asset quality.600926
Q3 2024 - Net profit up 20.06% to RMB 9.996 billion, with stable asset quality and business growth.600926
Q2 2024 - Net profit surged 17.3% year-over-year with stable asset quality and strong capital metrics.600926
Q1 2025 - Net profit surged 18.08% year-over-year, with stable asset quality and robust growth.600926
Q4 2024
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