Galaxy Securities: Most Banks' Full-Year 2025 Performance Expected to Improve from First Three Quarters

NightAirdropper · 2026-03-24T12:17:32+00:00

Galaxy Securities research report shows that China CITIC Bank, Ping An Bank, and Shanghai Bank have different 2025 performance situations. Overall, the performance of 14 banks has improved somewhat, with stable credit growth. It is expected that the performance improvement stems from stable net interest margins and declining non-performing loan ratios, with some banks increasing loan loss provision coverage ratios in Q4.

NightAirdropper

2026-03-24 12:17:32

Abstract generation in progress

Galaxy Securities Research Report states that this week, CITIC Bank and Ping An Bank released their 2025 annual reports, while Shanghai Bank published its 2025 earnings quick report. In 2025, CITIC Bank, Ping An Bank, and Shanghai Bank’s revenues decreased by 0.55%, 10.4%, and increased by 3.35% respectively; net profits attributable to shareholders increased by 2.98%, decreased by 4.21%, and increased by 2.69%. Among the 14 banks that have disclosed their performance so far, most banks showed improvement in their full-year 2025 results compared to the first three quarters. Some joint-stock banks achieved positive revenue growth, and some regional banks continued to maintain excellent industry-level revenue and profit growth. Overall, the 14 banks experienced steady credit growth, and the expected performance improvement is mainly due to the narrowing and stabilization of interest rate spreads. Additionally, non-performing loan ratios remained stable or declined, and reserve coverage ratios stayed at high levels, with reserve releases still contributing to net profit. Some banks’ reserve coverage ratios in Q4 2025 have increased, and there is a possibility of strengthening reserve provisions for key areas.

View Original

This page may contain third-party content, which is provided for information purposes only (not representations/warranties) and should not be considered as an endorsement of its views by Gate, nor as financial or professional advice. See Disclaimer for details.