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China Zheshang Bank Co (2016) investor relations material
China Zheshang Bank Co Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary29 Aug, 2025
Executive summary
Operating income for H1 2025 was RMB33.27 billion, down 5.75% year-over-year; net profit attributable to shareholders was RMB7.67 billion, down 4.15% year-over-year.
Total assets reached RMB3.35 trillion, up 0.63% from end-2024; customer deposits rose 7.47% to RMB2.07 trillion.
Non-performing loan (NPL) ratio improved to 1.36%, allowance to NPLs at 169.78%.
Capital adequacy ratio stood at 12.31%, tier-one at 9.62%, and core tier-one at 8.39%.
Financial highlights
Net interest income was RMB23.05 billion, down 2.52% year-over-year; net non-interest income was RMB10.22 billion, down 12.31%.
Return on average assets was 0.48%, and return on average equity was 8.78%.
Cost-to-income ratio increased to 29.77%; provision for expected credit losses was RMB13.3 billion, down 10.90% year-over-year.
Basic and diluted EPS were RMB0.28, down from RMB0.29 year-over-year.
Outlook and guidance
Management expects macroeconomic policies to remain effective in H2 2025, with domestic demand gradually released and new productive forces accelerating.
Ten key tasks for H2 2025 include risk management, digital transformation, talent development, and deepening Zhejiang development.
Analyze net interest margin compression drivers.
Key AI initiatives and their expected impact?
Detail recent changes in Chairman/President roles.
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Next China Zheshang Bank Co earnings date
Q3 202528 Oct, 2025
Next China Zheshang Bank Co earnings date
Q3 202528 Oct, 2025
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Frequently asked questions
China Zheshang Bank Co., Ltd. is a commercial bank providing a comprehensive range of financial products and services. The bank’s offerings include corporate and personal banking services such as deposits, loans, and payment solutions. It also provides trade finance, wealth management, and investment banking services, catering to small and medium-sized enterprises (SMEs), large corporations, and individual clients. The company is headquartered in Hangzhou, China, and its shares are listed on the HKEX.
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