上市银行三季报拉开帷幕华夏银行业绩会上高管回应营收变化、不良率等市场关切问题

Core Insights - 华夏银行 reported a revenue of 648.81 billion yuan for the first three quarters of 2025, a year-on-year decrease of 8.79% [1] - The bank's net profit attributable to shareholders for the third quarter was 65.12 billion yuan, reflecting a year-on-year increase of 7.62% [1] - The decline in revenue is primarily attributed to fluctuations in the bond market, leading to a significant drop in fair value change income [1] Financial Performance - For Q3 2025, the bank's revenue was 193.59 billion yuan, down 15.02% year-on-year [1] - Fair value change income for the first three quarters was -4.505 billion yuan, a decrease of 78.31 billion yuan compared to the previous year's 3.326 billion yuan [1] - The non-performing loan (NPL) ratio as of September 2025 was 1.58%, a slight decrease of 0.02 percentage points from the end of the previous year [2] Capital Adequacy - As of September 2025, the capital adequacy ratio, tier 1 capital adequacy ratio, and core tier 1 capital adequacy ratio were 12.63%, 11.14%, and 9.33%, respectively [2] Management Changes - The bank appointed three new executives, including a new Chief Risk Officer, Chief Operating Officer, and Chief Financial Officer [3] - The new Chief Risk Officer, Fang Yi, previously held various positions at Beijing Bank [3] - Organizational adjustments are planned, including the establishment of a capital operation center [3]