RuiFeng Bank: Net profit attributable to shareholders of the listed company is 1.966 billion yuan in 2025, a year-on-year increase of 2.3%

LightningPacketLoss · 2026-03-28T16:37:35+00:00

RuiFeng Bank's 2025 Annual Report shows that the group's operating income was 4.408 billion yuan, with a net profit of 1.966 billion yuan, representing increases of 0.53% and 2.30%, respectively. Total assets reached 241.495 billion yuan, with both loans and deposits increasing. The non-performing loan ratio slightly rose, indicating an enhanced risk resistance capability.

LightningPacketLoss

2026-03-28 16:37:35

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On March 26, RuiFeng Bank released its 2025 annual report. In 2025, the Group achieved operating revenue of 4.408 billion yuan, up 0.53% year over year; net profit attributable to shareholders of the listed company was 1.966 billion yuan, up 2.30% year over year. The interest rate spread level stabilized after halting its decline. In 2025, the Group’s net interest margin was 1.50%, unchanged from the previous year; the deposit interest rate expense ratio was 1.83%, down 37 BP from the previous year.

As of the end of 2025, the Group’s total assets were 241.495 billion yuan, up 20.992 billion yuan from the beginning of the year, a growth rate of 9.52%; total deposits were 178.099 billion yuan, up 15.408 billion yuan from the beginning of the year, a growth rate of 9.47%; total loans were 141.206 billion yuan, up 10.246 billion yuan from the beginning of the year, a growth rate of 7.82%.

In terms of asset quality, as of the end of 2025, the Group’s non-performing loan ratio was 0.99%, up 0.02 percentage points from the beginning of the year; the allowance coverage ratio was 326.51%, up 5.64 percentage points from the beginning of the year; the loan loss reserve to loan ratio was 3.23%, up 0.13 percentage points from the beginning of the year, and its risk-mitigation capability continued to strengthen.

(RuiFeng Bank)

(Editor: Qian Xiaorui)

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