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Hua Xia Bank Co. (600015) investor relations material
Hua Xia Bank Co. H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Maintained stable operations with steady asset growth and improved business structure, focusing on key economic sectors and high-quality development.
Achieved positive results in supporting technology, green finance, and small business lending, with loan growth in these areas outpacing overall loan growth.
Enhanced deposit structure and increased low-cost deposits, supporting business fundamentals.
Financial highlights
Operating income for H1 2025 was RMB 45.52 billion, down 5.86% year-over-year; net profit attributable to shareholders was RMB 11.47 billion, down 7.95%.
Basic and diluted EPS held steady at RMB 0.66; cash flow from operating activities surged 5,540.63% year-over-year.
Net interest income fell 3.60% and non-interest income dropped 10.16% year-over-year.
Cost-to-income ratio improved to 29.01%, down 0.79 percentage points year-over-year.
Outlook and guidance
Board approved an interim dividend of RMB 1.00 (pre-tax) per 10 shares based on total share capital as of June 30, 2025.
Continued focus on supporting strategic sectors and optimizing business structure for sustainable growth.
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