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Hua Xia Bank Co. (600015) investor relations material
Hua Xia Bank Co. Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Revenue for Q1 2026 reached RMB 24.62 billion, up 35.33% year-over-year, driven by capital market gains and fair value changes.
Net profit attributable to shareholders was RMB 4.99 billion, down 1.50% year-over-year.
Total assets grew to RMB 4.88 trillion, a 2.97% increase from the previous year-end.
Loan balance rose 7.79% to RMB 2.77 trillion, and deposit balance increased 6.86% to RMB 2.57 trillion.
Financial highlights
Operating income increased by RMB 6.43 billion year-over-year, mainly due to a RMB 2.21 billion gain in fair value changes versus a loss last year.
Net interest income was RMB 17.67 billion, up from RMB 15.55 billion year-over-year.
Cost-to-income ratio improved to 21.71%, down 5.75 percentage points year-over-year.
Net interest margin rose to 1.63% from 1.57% year-over-year.
Operating cash flow was negative RMB 36.13 billion, compared to a positive RMB 36.74 billion last year, mainly due to increased loans and advances.
Outlook and guidance
The bank remains focused on high-quality growth, strategic execution, and supporting the real economy.
- Net profit grew 4.98% and NPL ratio improved to 1.60%, signaling stable performance.600015
H2 202417 Dec 2025 - Net profit fell 7.95% year-over-year, but asset quality and capital ratios remained robust.600015
H1 202517 Dec 2025 - Q3 net profit up 3.60% year-over-year; asset quality and capital ratios improved.600015
Q3 202416 Dec 2025 - Net profit rose 2.86% to RMB 12.46 billion, with improved asset quality and strong capital.600015
H1 202416 Dec 2025 - Q3 net profit up 7.62% YoY, asset quality stable, and RMB 20B green bonds issued.600015
Q3 202524 Oct 2025 - 2023 net profit up 5.3% to RMB26.36B, NPL ratio down, digital and green finance advanced.600015
H2 202313 Jun 2025 - Net profit dropped 14.04% year-over-year, while asset growth and liquidity remained robust.600015
Q1 20256 Jun 2025
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