HUISHANG BANK, listed in Hong Kong, has released its 2025 annual report, showcasing strong operational resilience that has captured market attention.

According to the report, the bank's total assets surpassed 2.3 trillion yuan in 2025, with net profit increasing by 6.34% year-on-year. The non-performing loan ratio further decreased to 0.98%, highlighting a balanced growth trajectory across scale, profitability, and asset quality.

As a key financial institution based in Anhui province, HUISHANG BANK has deeply integrated its development into the province's strategic "Three Zones and One Area" initiative. By the end of last year, the bank's loan balance within Anhui historically exceeded one trillion yuan, demonstrating a synergistic and high-quality development model between a regional bank and the local economy.

The bank's total assets reached 2.33 trillion yuan by the end of 2025, an increase of 15.51% from the previous year. Total liabilities stood at 2.15 trillion yuan, up 16.28% year-on-year.

Both deposits and loans maintained double-digit growth. Total customer loans and advances rose to 1.13 trillion yuan, up 12.80%, while total customer deposits increased to 1.27 trillion yuan, growing by 11.17%.

This robust performance in deposits and lending supported steady improvements in core financial metrics. In 2025, the bank reported operating income of 37.67 billion yuan, a 1.18% year-on-year increase, and net profit attributable to shareholders of 16.53 billion yuan, up 7.21%.

The non-performing loan ratio dropped to 0.98% by year-end, down 0.01 percentage points from the previous year, returning the bank to the tier of institutions with a sub-1% NPL ratio—the best level in nearly six years.

Additionally, the provision coverage ratio reached 278.79%, ranking among the highest for Hong Kong-listed banks. The capital adequacy ratio rose slightly to 13.77%, while the core tier 1 capital adequacy ratio improved to 9.89%.

HUISHANG BANK's steady expansion reflects its deep integration with the regional economic cycle. The bank has actively implemented financial policies supporting key sectors, further strengthening its high-quality growth foundation. Its loan balance in Anhui province exceeded one trillion yuan for the first time.

Notably, loans within Anhui accounted for over 85% of the bank’s total loan portfolio, while the NPL ratio in the region remained low at 0.82%, underscoring the mutual benefits of deep regional engagement.

The bank has prioritized lending to emerging sectors and inclusive finance. Loans to technology companies exceeded 210.4 billion yuan, up 24.7% year-on-year. Manufacturing loans and strategic emerging industry loans reached 163.4 billion yuan and 153 billion yuan, respectively, both growing by over 21%.

Green finance also accelerated significantly, with green loan balances surging nearly 46% to 155.3 billion yuan by the end of 2025.

To support small and micro enterprises, HUISHANG BANK has enhanced service accessibility and reduced financing barriers. Inclusive loans to small and micro businesses reached 177.65 billion yuan, up over 15%, while agricultural loans grew nearly 16% to 206.4 billion yuan. Loans to private enterprises totaled 268.4 billion yuan, accounting for about 40% of corporate loans.

Beyond traditional lending, the bank has utilized diverse financial instruments such as bill financing to improve liquidity for实体 enterprises. It recently received dual honors from the Shanghai Commercial Paper Exchange for its active bill trading and targeted services to tech, green, and small business sectors.

While corporate banking remains a cornerstone, HUISHANG BANK’s retail transformation also achieved significant progress in 2025.

Total retail assets under management exceeded 930 billion yuan, with personal deposits growing 14% to 727 billion yuan. Wealth management assets increased by 14.13% to 216.65 billion yuan, reflecting effective customer acquisition and retention strategies.

The bank also made notable strides in serving high-net-worth clients, with private banking customers growing 19.75% to 4,983, and their AUM increasing by over 20%.

Underpinning this growth is continued investment in information technology. In 2025, the bank launched a new core system, deepened full-stack innovation, and established a proprietary multi-model AI platform. It also enhanced data governance, earning a DCMM Level 4 certification.

These upgrades boosted digital engagement: the mobile banking app 7.0 helped increase total mobile users to over 12 million, with monthly active users rising 12% to 3.035 million. The bank’s "Huizhixin" risk management system further strengthened digital risk controls, supporting stable asset quality.

Reflecting on the bank’s 20-year journey, the annual report emphasized transformation from modest beginnings to a major financial player. Today, HUISHANG BANK’s asset size is 46 times larger than at its founding, deposits have grown 28-fold, and loans have expanded 36-fold.

With 2.3 trillion yuan in assets and two decades of experience, HUISHANG BANK continues to pursue a steady growth path while supporting high-quality regional economic development.

(This article is for reference only and does not constitute investment advice.)