Hua Xia Bank Co. (600015) H1 2025 earnings summary

Executive summary

• Total assets reached RMB 4,549.63 billion as of June 30, 2025, up 3.96% from year-end 2024.

• Net profit attributable to shareholders was RMB 11.47 billion for H1 2025, down 7.95% year-over-year.

• Operating income for H1 2025 was RMB 45.52 billion, a decrease of 5.86% year-over-year.

• The bank maintained stable asset quality, with an NPL ratio of 1.60% and provision coverage of 156.67%.

• Interim cash dividend proposed: RMB 1.00 per 10 shares, totaling RMB 1.591 billion.

Financial highlights

• Net profit attributable to shareholders: RMB 11.47 billion, down 7.95% year-over-year.

• Operating income: RMB 45.52 billion, down 5.86% year-over-year.

• Net interest income: RMB 30.57 billion, down 3.60% year-over-year.

• Fee and commission income: RMB 3.10 billion, up 2.55% year-over-year.

• Cost-to-income ratio: 29.01%, up 1.52 percentage points year-over-year.

• Total loans: RMB 2,417.10 billion, up 2.15% from year-end 2024.

• Total deposits: RMB 2,323.16 billion, up 7.99% from year-end 2024.

• Operating cash flow: RMB 131.88 billion, up 5,540.63% year-over-year, mainly due to deposit growth.

Outlook and guidance

• The bank expects continued global economic uncertainty and domestic economic resilience in H2 2025.

• Will focus on optimizing asset and liability structure, expanding customer base, and enhancing risk management.

• Plans to accelerate innovation in technology and green finance, and maintain prudent risk controls.