Hengfeng Bank releases 2025 annual report, leading joint-stock banks in revenue and net profit growth rates

On April 1, Huafeng Bank released its 2025 annual report. The data show that as of the end of 2025, its total assets reached RMB 16,104.13 billion; operating revenue was RMB 27.159 billion, up 5.37%; and net profit was RMB 5.906 billion, up 10.25%. As of now, all 12 joint-stock banks have disclosed their 2025 annual reports. Huafeng Bank’s growth rates of both operating revenue and net profit are the highest among joint-stock banks.

In fact, against the backdrop of an industry downturn cycle, Huafeng Bank has achieved “double growth against the trend” in both operating revenue and net profit for two consecutive years. In 2024, the bank’s operating revenue and net profit recorded growth rates of 1.98% and 4.30%, respectively.

Huafeng Bank’s annual report shows that in 2025, facing multiple challenges including a complex and changing economic environment, the narrowing of banks’ net interest margins, revenue pressure, and increasing pressure for risk control, the bank anchored its “1443” target positioning, solidly advanced its “1476” transformation and development strategy, and upheld a steady approach while adjusting structure and strengthening foundations. The bank achieved coordinated improvement in scale, benefits, and quality, laying a solid foundation for high-quality development through practical results.

Of particular note is that under the backdrop of continued declines in the LPR, Huafeng Bank’s net interest margin rose against the trend to 1.56%, which is an increase of 4 basis points compared with the end of last year. Compared with industry data, the average net interest margin of commercial banks in 2025 was 1.42%. Huafeng Bank’s rebound against the trend is truly commendable.

Its business structure has been continuously optimized, and results in serving the real economy have become prominent. As of the end of the reporting period, Huafeng Bank’s total loans and advances amounted to RMB 927.242 billion, up 7.68%, and its efforts to support the real economy have continued to increase. On the liabilities side, it steadily expanded its funding base: total liabilities were RMB 1,484.243 billion, up 6.22%; deposits were RMB 928.043 billion, year over year up by RMB 63.995 billion, an increase of 7.41%.

Asset quality has been firmly underpinned by a bottom line, and risk prevention and control have achieved notable results. As of the end of the reporting period, Huafeng Bank’s non-performing loan ratio was 1.35%, better than the commercial banking average by 0.15 percentage points. It has also recorded seven consecutive years of decline, with asset quality continuing to improve. The loan loss provision coverage ratio increased by 7.90 percentage points compared with the end of last year, further enhancing its risk resilience and building a safety barrier for high-quality development.

Its capital strength has continued to grow, providing even more solid support for development. As of the end of the reporting period, Huafeng Bank’s core tier-one capital adequacy ratio, tier-one capital adequacy ratio, and capital adequacy ratio were 8.78%, 9.89%, and 12.63%, respectively. The effectiveness and quality of its capital management have continued to improve, providing strong capital support for the bank’s ongoing healthy business development.

In its annual report address, Huafeng Bank Party Committee Secretary and Chairman Xin Shuren said that 2026 is the first year of the “14th Five-Year Plan’s” next stage (“15th Five-Year Plan” opening year), and it is also a critical year for Huafeng Bank’s high-quality development. Huafeng Bank will align itself with the goal of building a first-class joint-stock commercial bank, maintain strategic resolve in transformation, and vigorously implement the “Nine Major Projects.” It will firmly follow the path of financial development with Chinese characteristics, and continue to drive a clear enhancement in comprehensive service capabilities, accelerate the formation of distinctive business models, and comprehensively improve overall competitiveness. It will ensure a strong start in the “15th Five-Year Plan” and take an excellent first step, contributing more Huafeng strength to building a financial power and supporting Chinese modernization.

(责任编辑：Wang Lei)

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