Core Viewpoint - Bohai Bank reported a steady growth in revenue and net profit for the year ending December 31, 2025, indicating a positive trend in its financial performance and commitment to supporting the real economy [2][3]. Financial Performance - The bank achieved an operating income of RMB 25.97 billion, a year-on-year increase of 1.92% [2]. - Net profit reached RMB 5.50 billion, reflecting a growth of 4.61% compared to the previous year [2]. - Total assets amounted to RMB 1.93 trillion, up 4.91% from the previous year [2]. - Total liabilities increased by 4.35% to RMB 1.81 trillion [2]. - The cost-to-income ratio improved, decreasing by 1.00 percentage point to 38.01% [2]. Asset and Liability Structure - The bank focused on supporting the real economy, with loans and advances reaching RMB 949.75 billion, a growth of 2.64% [3]. - Loans to technology enterprises, green loans, and manufacturing loans grew significantly by 52.20%, 36.77%, and 12.16% respectively [3]. - The average interest rate on deposits decreased by 41 basis points, following a previous reduction of 32 basis points [3]. Asset Quality - Non-performing loans (NPL) decreased to RMB 15.92 billion, down by RMB 0.56 billion from the previous year [3]. - The NPL ratio improved to 1.66%, a decline of 0.10 percentage points [3]. - The provision coverage ratio increased to 162.16%, up by 6.97% [3]. Strategic Direction - The bank's chairman emphasized that 2026 will be a critical year for reform and transformation, focusing on integrating party leadership with business operations [4]. - The bank aims to shift its management approach from experience-driven to mechanism-driven, ensuring effective implementation of its strategic goals [4].