华夏银行股份有限公司2025年第三季度报告

Core Points - The company has released its unaudited third-quarter financial report for 2025, ensuring the accuracy and completeness of the information provided [2][3][41] - The board of directors has approved the appointment of new senior management personnel, including a new Chief Risk Officer and Chief Financial Officer [21][25][29] Financial Data Summary - As of the end of September 2025, the total assets of the group reached RMB 45,863.58 billion, an increase of RMB 2,098.67 billion or 4.80% compared to the end of the previous year [9] - The total loans amounted to RMB 24,355.94 billion, up by RMB 692.77 billion or 2.93% year-on-year [9] - The total liabilities were RMB 42,137.51 billion, increasing by RMB 2,029.44 billion or 5.06% [9] - The total deposits reached RMB 23,389.60 billion, reflecting an increase of RMB 1,875.90 billion or 8.72% [9] - The total profit for the period was RMB 243.22 billion, a decrease of RMB 7.23 billion or 2.89% year-on-year [9] - The net profit attributable to shareholders was RMB 179.82 billion, down by RMB 5.29 billion or 2.86% [9] - The cost-to-income ratio was 29.95%, a decrease of 0.21 percentage points year-on-year [9] Asset Quality and Capital Adequacy - The non-performing loan ratio stood at 1.58%, a decrease of 0.02 percentage points from the end of the previous year [9] - The provision coverage ratio was 149.33%, down by 12.56 percentage points [9] - The loan provision ratio was 2.36%, a decrease of 0.23 percentage points [9] - The core Tier 1 capital adequacy ratio was 9.33%, Tier 1 capital adequacy ratio was 11.14%, and total capital adequacy ratio was 12.63%, all meeting regulatory requirements [11][12] Management Changes - Liu Xiaoli has resigned as Chief Risk Officer due to work changes, effective October 22, 2025 [18][19] - Liu Xiaoli has been appointed as Chief Operating Officer, with her term starting from the board's approval [22][23] - Fang Yi has been appointed as the new Chief Risk Officer, pending regulatory approval [25][26] - Liu Yue has been appointed as Chief Financial Officer, also pending regulatory approval [28][29] Other Important Information - The company issued RMB 200 billion in green financial bonds in July 2025, with a maturity of three years and an interest rate of 1.66% [16] - The board has approved changes to the amortization period for software assets, extending it from three years to five years [35][52]