"Against the Tide" with 3 Trillion, Shanghai Bank's 2025 Performance "Report Card"

Shanghai Bank recently disclosed its 2025 performance brief. This marks the third consecutive year the bank’s total assets have exceeded 3 trillion yuan. With an asset scale of 3 trillion yuan, the bank’s operations are attracting attention.

The most notable part of the performance brief is the profit section. Shanghai Bank achieved operating income of 54.761 billion yuan in 2025, a year-on-year increase of 3.35%; net profit attributable to shareholders of the parent company reached 24.193 billion yuan, a year-on-year increase of 2.69%. In the current banking environment where asset yields are declining and traditional interest spreads are narrowing, achieving simultaneous growth in revenue and net profit is not easy.

Another key indicator worth noting is that the bank’s weighted average return on net assets in 2025 reached 9.69%. Although it decreased slightly by 0.32 percentage points from the previous year, it remains at a relatively stable level within the industry, demonstrating its efficiency in capital utilization and ability to generate shareholder returns.

In terms of asset and liability scale, Shanghai Bank maintained steady expansion throughout the year, with total assets reaching 3,308.752 billion yuan, a 2.54% increase from the end of the previous year. From 3.085 trillion yuan at the end of 2023, to 3.227 trillion yuan in 2024, and over 3.3 trillion yuan at the end of last year, the traditional banking logic of asset expansion driving operational scale and profit growth remains stable.

As the core of the balance sheet, the bank’s total customer loans and advances reached 1,440.81 billion yuan, a year-on-year increase of 2.49%; total deposits amounted to 1,734.412 billion yuan, up 1.43%. Loan and deposit scales grew almost in tandem, with loans slightly outpacing deposit growth, reflecting the bank’s careful liability management and optimized liability structure.

Asset quality remains a key indicator of a bank’s long-term development potential. By the end of 2025, Shanghai Bank’s non-performing loan ratio remained at 1.18%, unchanged from the end of the previous year, maintaining a relatively stable asset quality.

Meanwhile, its loan loss provision coverage ratio was 244.94%. Although down 24.87 percentage points from the end of last year, this level still far exceeds regulatory requirements, indicating a certain capacity to withstand risks.

From this preliminary financial data, it is evident that Shanghai Bank made significant efforts in 2025, including countercyclical asset expansion, precise matching of loan and deposit structures, and balanced risk management. Despite ongoing challenges in the banking industry, Shanghai Bank relies on its relatively strong regional operational capabilities to strive and deliver its own performance.

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