Minsheng Bank 2025 Annual Report: Net profit attributable to parent company shareholders is 30.56 billion yuan, down 5.4%

On March 30, Minsheng Bank (600016/01988) released its 2025 annual report. The company’s operating revenue was 142.87 billion yuan, representing a year-over-year increase of 4.8%. Net profit attributable to shareholders was 30.56 billion yuan, a year-over-year decrease of 5.4%. Net interest income was 100.13 billion yuan, up 1.5% year over year. Net non-interest income was 42.74 billion yuan, up 13.7% year over year.

In terms of scale, at the end of the fourth quarter, Minsheng Bank’s total assets were 7.83 trillion yuan, up 0.23% from the end of the previous year. Total loans and advances to customers were 4.43 trillion yuan, down 0.45% from the end of the previous year. Total liabilities were 7.13 trillion yuan, down 0.41% from the end of the previous year. Total deposits were 4.28 trillion yuan, up 0.66% from the end of the previous year.

In asset quality, at the end of the fourth quarter, Minsheng Bank’s balance of non-performing loans was 78.3k yuan, up 44.3k yuan from the end of the previous year. The non-performing loan ratio was 1.49%, up 0.02 percentage points from the end of the previous year. The provision coverage ratio was 142.04%, up 0.1 percentage points from the end of the previous year.

The company mentioned in its 2025 annual report that there were significant changes in its operating business. With respect to business operations, the company actively promoted technology finance and green finance. The loan balance for technology-based enterprises grew by 9.66% from the end of the previous year. The balance of green loans grew by 20.29% from the end of the previous year, demonstrating the company’s proactive deployment and results in the green finance sector. In addition, regarding inclusive finance services, the company also saw growth in its loan balance to small and micro enterprises.

In risk management, the company implemented a comprehensive risk management system, strengthened post-loan management, and continued to monitor the generation rate of non-performing loans and asset quality. Despite the challenges posed by the macroeconomic environment, the company maintained stability in its non-performing loan ratio and took effective measures to mitigate risks in key areas. Overall, the company showed positive adjustments and improvements in both its operating business and risk management.

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