华夏银行前三季度营收649亿，行长表示将保持分红政策连续性

Core Viewpoint - 华夏银行 reported a decline in revenue and net profit for the first three quarters of 2025, primarily due to fluctuations in the bond market affecting fair value changes, while maintaining a stable net interest income [1] Financial Performance - For the first three quarters of 2025, 华夏银行 achieved operating revenue of 648.81 billion RMB, a year-on-year decrease of 8.79% - The net profit attributable to shareholders was 179.82 billion RMB, down 5.29 billion RMB or 2.86%, with a narrowing decline compared to the first half of the year [1] - As of the end of Q3 2025, total assets reached 45,863.58 billion RMB, an increase of 2,098.67 billion RMB or 4.80% year-on-year - Total loans amounted to 24,355.94 billion RMB, up 692.77 billion RMB or 2.93% year-on-year - Total deposits were 23,389.60 billion RMB, increasing by 1,875.90 billion RMB or 8.72% year-on-year [2] Asset Quality - The non-performing loan (NPL) ratio stood at 1.58%, a slight decrease of 0.02 percentage points from the end of the previous year - The provision coverage ratio was 149.33%, down 12.56 percentage points from the end of the previous year, indicating increased efforts in handling non-performing loans [2][3] Capital Adequacy - As of the end of Q3 2025, the core Tier 1 capital adequacy ratio was 9.33%, the Tier 1 capital adequacy ratio was 11.14%, and the total capital adequacy ratio was 12.63%, with slight declines in core and Tier 1 ratios compared to the previous year [4] Dividend Policy - 华夏银行 has established a market value management system and aims to maintain the continuity of its cash dividend policy, with a proposed cash dividend of 1.00 RMB per 10 shares for the first half of 2025, totaling 15.91 billion RMB [5][6] - The bank's management emphasizes the importance of market value management and is committed to enhancing operational efficiency and profitability to improve shareholder returns [5][7]