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Bank of Hangzhou Co.
Bank of Hangzhou Co. (600926) investor relations material
Bank of Hangzhou Co. Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Achieved operating income of RMB 28.88 billion for the first nine months of 2025, up 1.35% year-over-year; net profit attributable to shareholders reached RMB 15.88 billion, up 14.53% year-over-year.
Net interest income grew 9.96% and net fee and commission income rose 12.65% year-over-year.
Total assets at quarter-end were RMB 2.30 trillion, up 8.67% from the previous year-end; total loans increased 9.39% and deposits rose 5.97%.
Asset quality remained stable with a non-performing loan (NPL) ratio of 0.76% and provision coverage at 513.64%.
Financial highlights
Basic EPS for the first nine months was RMB 2.31, up 0.87% year-over-year; weighted average ROE was 12.68%, down 0.83 percentage points.
Net cash flow from operating activities surged 311.71% year-over-year to RMB 82.75 billion, mainly due to increased net decrease in financial assets held for trading.
Capital adequacy ratio improved to 14.43%, with core tier-1 at 9.64% and tier-1 at 11.82%.
Cost-to-income ratio was 27.09%, and average ROA was 0.72%.
Outlook and guidance
Continued focus on optimizing corporate finance, expanding green finance, and enhancing digital and retail banking services.
Plans to maintain prudent risk management and stable asset quality while supporting real economy growth.
Explain the surge in operating cash flow
Why did ROE decline despite strong profit growth?
What caused the LCR to drop to 181.19%?
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Next Bank of Hangzhou Co. earnings date
Q4 202518 Apr, 2026
Bank of Hangzhou Co.
Next Bank of Hangzhou Co. earnings date
Q4 202518 Apr, 2026
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Frequently asked questions
Bank of Hangzhou Co., Ltd. provides a wide range of financial services, including corporate banking, personal banking, and wealth management solutions. The company offers deposit accounts, loans, credit cards, and payment services to individual customers, while supporting businesses with tailored financing options, cash management, and trade finance services. It also provides investment and asset management products to help clients grow their wealth. The company is headquartered in Hangzhou, China, and its shares are listed on the SSE.
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