Core Viewpoint - Bohai Bank reported a steady growth in both operating income and net profit for 2025, indicating a stable financial performance amidst a challenging economic environment [1][3]. Financial Performance - The bank achieved operating income of 25.97 billion yuan in 2025, representing a year-on-year increase of 1.92% [1][3]. - Net profit reached 5.50 billion yuan, up 4.61% compared to the previous year [1][3]. - The cost-to-income ratio improved, decreasing by 1.00 percentage point year-on-year, reflecting effective cost control measures [1][3]. Asset and Liability Management - Total assets amounted to 1,934.41 billion yuan, a growth of 4.91% from the end of the previous year [1][3]. - Total liabilities were reported at 1,809.18 billion yuan, increasing by 4.35% year-on-year [1][3]. - The bank's deposit base showed steady growth, contributing to its overall financial stability [1][3]. Credit Quality - The non-performing loan (NPL) ratio improved to 1.66%, a decrease of 10 basis points from the previous year, indicating better asset quality [1][3]. - The provision coverage ratio stood at 162.16%, an increase of 6.97 percentage points, demonstrating strong risk mitigation capabilities [1][3].
渤海银行：2025年末不良贷款率1.66%，较上年末下降10BP