Guangdong Huaxing Bank: Achieve a after-tax net profit of 1.51B yuan by 2025

Recently, Guangdong Huaxing Bank released its 2025 annual report.
In 2025, the bank achieved a net operating income of 7.35B yuan, a decrease of 1.02B yuan year-on-year,
including a net interest income of 5.61B yuan and a non-interest net income of 1.74B yuan, mainly affected by fluctuations in the bond market, with a noticeable decline in investment income.
At the same time, to enhance risk resistance, the bank increased its provisioning efforts for the year, resulting in a after-tax net profit of 1.51B yuan, a decrease of 1.35B yuan year-on-year;
the average return on assets (ROAA) and average return on equity (ROAE) for the year were 0.32% and 4.34%, respectively.

As of December 31, 2025, Guangdong Huaxing Bank’s total assets were 4.85568 trillion yuan, an increase of 485.57B yuan from the beginning of the year, a growth of 4.32%;
loans and advances issued totaled 2.57013 trillion yuan, an increase of 20.11B yuan from the beginning of the year, a growth of 4.70%;
deposits absorbed amounted to 3.3509 trillion yuan, an increase of 218.67 billion yuan from the beginning of the year, a growth of 6.98%;
shareholders’ equity was 257.01B yuan, a decrease of 2.59 billion yuan from the beginning of the year, a decline of 7.34%.

As of December 31, 2025, Guangdong Huaxing Bank had issued loans and advances totaling 2.57013 trillion yuan, with a non-performing loan (NPL) balance of 11.55B yuan, and an NPL ratio of 1.65%;
the loan impairment reserve balance was 335.01B yuan, with a loan loss provision ratio of 3.33%, and a provisioning coverage ratio of 202.22%, better than the average level of city commercial banks nationwide.

(Guangdong Huaxing Bank)

(Edited by: Qian Xiaorui)

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