Core Viewpoint - Hangzhou Bank demonstrated resilience in its operations, achieving steady growth in net profit and revenue despite industry challenges, showcasing its robust management and operational strength [2][3]. Financial Performance - For the first three quarters of 2025, Hangzhou Bank reported a net profit of 15.885 billion yuan, a year-on-year increase of 14.53%, indicating strong profitability [2]. - The bank's net interest income reached 20.093 billion yuan, up 9.96% from the previous year, serving as a key driver for performance [2]. - Total operating revenue was 28.880 billion yuan, reflecting a modest growth of 1.35%, primarily impacted by fair value changes due to market interest rate fluctuations [2]. Risk Management and Asset Quality - As of the end of Q3 2025, Hangzhou Bank's total assets amounted to 229.5424 billion yuan, an increase of 8.67% year-on-year, with total loans at 102.5573 billion yuan, up 9.39% [3]. - The non-performing loan (NPL) ratio remained stable at 0.76%, maintaining a leading position in the industry [3]. - The bank's provision coverage ratio stood at 513.64%, indicating strong risk mitigation capabilities [3]. Shareholder Returns - Hangzhou Bank is committed to sharing its growth with shareholders, proposing a cash dividend of 3.80 yuan per 10 shares for the 2025 interim period, totaling 2.755 billion yuan, a year-on-year increase of over 24% [5]. - Cumulatively, the bank's cash dividends to ordinary shareholders since its listing will exceed 21.8 billion yuan, reflecting its commitment to investor returns [5].