杭州银行2025年业绩快报：杭银理财存续理财产品规模超6000亿元

Core Viewpoint - Hangzhou Bank reported a steady growth in its financial performance for the year 2025, with significant increases in net interest income and net profit, indicating a positive trend in its operational efficiency and profitability [1] Financial Performance - The bank achieved an operating income of 38.799 billion yuan, a year-on-year increase of 1.09% [1] - Net interest income reached 27.594 billion yuan, growing by 12.83% year-on-year [1] - Net fee and commission income was 4.207 billion yuan, reflecting a year-on-year growth of 13.10% [1] - The net profit attributable to shareholders was 19.030 billion yuan, up by 12.05% compared to the previous year [1] Asset and Loan Growth - As of the end of 2025, total assets amounted to 2,364.902 billion yuan, an increase of 11.96% from the previous year [1] - Total loans reached 1,071.876 billion yuan, marking a growth of 14.33% year-on-year [1] - Total deposits were 1,440.579 billion yuan, which is a 13.20% increase from the previous year [1] - The scale of wealth management products from the subsidiary Hangyin Wealth exceeded 600 billion yuan, growing by 39% year-on-year [1] Asset Quality - The non-performing loan (NPL) ratio stood at 0.76%, unchanged from the end of the previous year [1] - The ratio of overdue loans to non-performing loans and the ratio of loans overdue for more than 90 days to non-performing loans were 55.87% and 45.44%, respectively, both showing a decrease of 16.87 and 10.17 percentage points compared to the previous year [1] - The provision coverage ratio was 502.24%, indicating a sufficient level of provisions [1]