Profitability remains steady, Huaxia Bank's net profit last year was 27.2 billion yuan.

March 30, the annual report for 2025 released by Huaxia Bank shows that last year the bank’s business development demonstrated a clearly positive momentum, with profitability remaining steady. It achieved a net profit attributable to shareholders of listed companies of 27.2 billion yuan.

The annual report indicates that in 2025 Huaxia Bank saw strong growth momentum in its scale. Total assets were 4,737.6 billion yuan, up 8.3%; deposits totaled 2,381.7 billion yuan, up 10.7%; loans totaled 2,566.7 billion yuan, up 8.5%. Both the incremental amounts and growth rates of deposits and loans reached the highest levels in the past five years. The bank’s corporate business structure continued to be optimized: the proportions of deposits and loans increased by 1.1 and 0.1 percentage points, respectively. Asset quality remained stable and improved overall, with a non-performing loan ratio of 1.55%, down 0.05 percentage points, achieving a continuous five-year decline.

To serve the real economy, in 2025 Huaxia Bank continued to do a good job in fulfilling the “five major articles” of finance, injecting a steady flow of financial resources into the high-quality development of the real economy through precise and efficient financial services. Focusing on the core needs of technological innovation and industrial upgrading, Huaxia Bank continued to enrich its technology finance product system and established a “investment–loan integration” mechanism. It innovatively launched featured products such as R&D loans, investment–linked loans, and option loans, providing comprehensive financial services across the entire life cycle for technology enterprises. During the reporting period, the bank implemented its first batch of investments in technology innovation bonds in the interbank market. The balance of technology-finance loans was 244.6 billion yuan, up 53.7%.

By precisely matching the financing needs of market entities such as “specialized, refined, distinctive, and innovative” companies and small and micro enterprises, the bank continued to deepen its inclusive finance services. As of the end of last year, the balance of inclusive small and micro enterprise loans was 193.6 billion yuan, up 6%. Huaxia Bank also continued to expand digital financial service scenarios, promoting large-scale, applied use of digital finance. By the end of 2025, the balance of loans to core industries in the digital economy was 97.1 billion yuan, up 29.9%.

Actively aligning with the national strategy for major strategic deployments, Huaxia Bank continued to optimize the provision of high-quality financial services, continuously improving the precision and adaptability of its services for major strategies, key areas, and weak links. The bank fully leveraged its “Beijing home-ground” advantages, closely focusing on the construction of the capital’s “four centers” functions and the layout for coordinated development of the “five synergies.” It continued to enhance the level of financial services for the development of the capital in the new era. In 2025, it cumulatively provided all kinds of investment and financing services for the Beijing region exceeding 500 billion yuan, up 14.9%. Its deposit and loan growth rates were 17% and 13%, respectively.

Source: Beijing Daily Client

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