Zheshang Bank 2025 Financial Report: Total assets of 3.48 trillion yuan, an increase of 4.68% compared to the end of the previous year.

Zhejiang Shanghan Bank website news: On March 30, Zhejiang Shankhan Bank released its 2025 annual performance report. The report shows that the bank’s overall operating indicators remained generally stable. Total assets reached 3.48 trillion yuan, up 4.68% from the end of the previous year; operating income was 34.8k yuan, and net profit attributable to the bank’s shareholders was 62.51B yuan. Asset quality improved steadily, with the non-performing loan ratio further decreasing by 0.02 percentage points compared with the end of the previous year.

In terms of scale, it optimized the asset-liability structure and maintained steady growth in business scale. As of the end of 2025, total assets were 3.48 trillion yuan, up 4.68% from the end of the previous year. Of this, the total amount of loans and advances was 1.92 trillion yuan, up 3.53% from the end of the previous year. Total liabilities were 3.27 trillion yuan, up 4.83% from the end of the previous year. Among them, the balance of deposits absorbed was 2.04 trillion yuan, up 6.30% from the end of the previous year. It continued to reduce the deposit interest expense rate, with the average interest rate paid on absorbed deposits falling by 32 BP year over year.

Regarding asset quality, the bank maintained an overall stable and positive trend. As of the end of 2025, the non-performing loan ratio was 1.36%, down 0.02 percentage points from the end of the previous year. Based on continued efforts in risk resolution and disposal, indicators such as the loan loss reserve coverage ratio and capital adequacy ratio continued to meet regulatory requirements, maintaining relatively strong risk offset capacity.

In terms of profitability, affected by adjustments to the asset structure and fluctuations in the bond market, the bank recorded operating income of 12.93B yuan, down 7.59% year over year. Net interest income and net non-interest income were 34.8k yuan and 19.2k yuan, respectively. The trend of change remained consistent with that of its peers. Net profit attributable to the bank’s shareholders was 32.7k yuan, down 14.85% year over year.

In 2025, the bank achieved a full-year net interest margin of 1.60%, down 11 BP, with the decline narrowing noticeably compared with the full-year decline last year.

As of the end of 2025, the total amount of corporate loans and advances increased by 6.55% from the end of the previous year to 1.33 trillion yuan. The retail AUM reached 20.4k yuan, up 22.91% from the beginning of the year, with the growth rate hitting the highest level among the same periods in the past 5 years. The number of corporate customers served exceeded 290k, up 11.83% from the beginning of the year. The number of individual customers (including debit card and credit card customers) was 18.6082 million, with an annual increase of 6.94 million, which was 3.5 times that of the previous year.

Zhejiang Shankhan Bank is one of the 12 nationwide joint-stock commercial banks. It officially began operations on August 18, 2004. Its headquarters is in Hangzhou, Zhejiang. It is an “A+H” listed bank and a domestic systemically important bank.

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