10家银行业绩速览：9家营收净利双增长，城商行两位数扩表

Core Insights - The overall performance of the banking industry in 2025 shows steady growth in asset scale, profitability, and risk management, with several banks achieving significant milestones in asset size and financial performance [1][2][3]. Asset Scale - Ten listed banks have reported a steady increase in total assets, with notable achievements including Citic Bank and Pudong Development Bank both surpassing the 10 trillion yuan mark [2][3]. - As of December 31, 2025, China Merchants Bank's total assets reached 13.07 trillion yuan, an increase of 918.49 billion yuan, or 7.56% year-on-year [2][4]. - Other banks like Industrial Bank also crossed the 11 trillion yuan threshold, with total assets reaching 11.09 trillion yuan, a year-on-year growth of 5.57% [2][3]. Profitability - Nine banks reported growth in both revenue and net profit, with Hangzhou Bank, Pudong Development Bank, and Qingdao Bank achieving double-digit growth in net profit [7][8]. - In 2025, Hangzhou Bank's revenue was 38.799 billion yuan, a 1.09% increase, while net profit grew by 12.05% to 19.03 billion yuan [7][8]. - Citic Bank experienced a slight revenue decline of 0.55%, but net profit still increased by 2.98% to 70.618 billion yuan [9]. Asset Quality - The overall non-performing loan (NPL) ratio for the ten banks showed stability, with five banks reporting a decrease compared to the beginning of the year [10][11]. - As of the end of 2025, the NPL ratios for major banks were as follows: China Merchants Bank at 0.94%, Citic Bank at 1.15%, and Pudong Development Bank at 1.26%, all showing slight declines [10][12]. - The provision coverage ratio for most banks has decreased, but remains at a sufficient level to absorb potential risks, with notable increases for Pudong Development Bank and Qingdao Bank [13][14]. Growth Trends - City commercial banks outperformed other banks in growth rates, with Nanjing Bank, Ningbo Bank, Hangzhou Bank, Qingdao Bank, and Xiamen Bank all achieving double-digit year-on-year growth [5][6]. - Nanjing Bank's total assets surpassed 3 trillion yuan, reaching 302.24 billion yuan, supported by strong growth in both deposits and loans [5][6]. Conclusion - The banking sector in 2025 demonstrates robust growth in asset size and profitability, with effective risk management practices in place, indicating a positive outlook for the industry [1][2][3].