ZYBANK (01216) announces its annual performance with a net profit attributable to equity holders of 3.589 billion yuan, an increase of 4.1% year-on-year.

ZYBANK (01216) released its annual performance as of December 31, 2025. The group's net interest income was RMB 22.519 billion, an increase of 4.5% year-on-year; operating income was RMB 26.507 billion, an increase of 2.1% year-on-year; net profit attributable to the bank's shareholders was RMB 3.589 billion, an increase of 4.1% year-on-year; earnings per share were RMB 0.08. The bank adheres to the strategy of seeking progress while maintaining stability, by strengthening asset quality, improving profitability, enhancing capital strength, and laying a solid foundation for long-term healthy development. The implementation path of the strategic plan is becoming increasingly clear, with the core driving force of high-quality development continuing to strengthen. The corporate governance structure is continuously improving, the internal control system is becoming more robust, and the brand image and social influence are steadily increasing, with new core competitiveness accelerating formation. As of the end of the reporting period, the bank's total assets were RMB 1,414.293 billion, an increase of RMB 49.096 billion from the end of the previous year, a 3.6% increase. The total loan amount (excluding accrued interest) was RMB 733.905 billion, an increase of RMB 19.45 billion from the end of the previous year, an increase of 2.7%; the deposit balance (excluding accrued interest) was RMB 959.127 billion, an increase of RMB 69.693 billion from the end of the previous year, an increase of 7.8%. Operating income was RMB 26.507 billion, an increase of 2.1%; net profit was RMB 3.576 billion, an increase of 3.1%; the non-performing loan ratio was 1.96%, a decrease of 0.06 percentage points from the end of the previous year; the provision coverage ratio was 165.75%, an increase of 10.72 percentage points from the end of the previous year; the core Tier 1 capital adequacy ratio, Tier 1 capital adequacy ratio, and capital adequacy ratio were 8.89%, 11.38%, and 13.52% respectively, an increase of 0.43, 0.45, and 0.50 percentage points respectively from the end of the previous year, demonstrating a continuous improvement in capital strength.