Stability is reflected in more net assets and a more solid operating foundation; Progress is reflected in providing deeper services to the real economy and increasing its development momentum.

As of the end of June 2026, the total assets of Hubei Bank reached 704.556 billion yuan, an increase of 18.19% compared to the same period last year, reaching the 700 billion yuan mark; The net profit achieved during the same period was 2.05 billion yuan, a year-on-year increase of 38.15%. The above data is a direct reflection of the business philosophy of "seeking progress while maintaining stability".

Continuous expansion of business scale, steady improvement in profitability and quality

From a longer-term perspective, the development momentum of Hubei Bank is stable. From the end of 2017 to the end of June 2026, the total assets of the bank increased from 211.7 billion yuan to 704.6 billion yuan, an expansion of more than three times; The total amount of loans during the same period increased from 95.8 billion yuan to 406.969 billion yuan, a growth of over 4.2 times, providing strong support for the development of the real economy in the province.

The profit side has shown significant growth. In 2025, Hubei Bank achieved a revenue of 10.271 billion yuan, with a net profit attributable to the parent company of 3.213 billion yuan, a year-on-year increase of 20.86%; The net profit for the first half of 2026 has exceeded 60% of the total for 2025, with a year-on-year growth rate of 38.15%. Against the backdrop of the pressure of narrowing interest rate differentials faced by city commercial banks, the above profit performance has strong resilience.

Along with the expansion of scale, the quality of assets and the ability to offset risks have improved simultaneously. At the end of June 2026, the non-performing loan ratio of the entire bank was 1.77%, a cumulative decrease of 0.20 percentage points from 1.97% at the end of 2022; The provision coverage ratio has increased from 214.78% to 224.56%, and the risk offsetting ability has steadily strengthened. The capital adequacy ratio is 11.70%, the first tier capital adequacy ratio is 10.01%, and the core first tier capital adequacy ratio is 8.64%, all of which are higher than regulatory requirements; The liquidity coverage rate reaches 458.92%, which is about 4.6 times the regulatory minimum standard (100%), and the liquidity safety margin is sufficient.

Overall, Hubei Bank has shown a good trend of "scale growth, quality improvement, profit enhancement, and risk control enhancement", and its operating fundamentals remain stable.

Adhere to the original positioning and deeply cultivate the local area of Hubei

Hubei Bank was formed by the merger and reorganization of several urban commercial banks within Hubei Province. It was listed and opened around 2010, with its headquarters located in Wuhan. As a local corporate bank, the vast majority of its credit resources are invested within the province, with over 99% of the total loan amount retained locally in Hubei.

The allocation of funds is closely linked to regional demand. As of the end of June 2026, the total deposit balance of the bank was 544.159 billion yuan, an increase of 3.9 times compared to 138 billion yuan at the end of 2017; The loan balance during the same period was 406.969 billion yuan, an increase of 4.2 times compared to 95.822 billion yuan in 2017. Focusing on the financing needs of groups such as science and technology innovation enterprises, county-level farmers, and small and micro merchants, the bank accurately connects with products and services such as "science and technology innovation loans", county-level agricultural loan networks, and "small and micro e-loans" to effectively convert local deposits into local loans and support the development of regional real economy.

Leveraging the collaborative advantages of state-owned assets and shareholders to serve the province's development strategy

Hubei Bank is a state-owned holding city commercial bank in Hubei Province, with shares held by state-owned shareholders such as the Hubei Provincial Department of Finance and Hongtai Group. Its equity structure has a natural synergistic advantage in serving the development of the whole province.

In the regional development layout of "leading by one, driving by two wings, and coordinating across the whole region" in Hubei Province, Hubei Bank plays a supporting role in finance, providing long-term financial support for the Optics Valley Science and Technology Innovation Corridor, continuously injecting credit resources into the two provincial sub center cities of Xiangyang and Yichang, and increasing financial supply to county-level economy, rural revitalization and other fields, covering key areas such as manufacturing transformation and upgrading, cultural and tourism consumption quality improvement and expansion, and stable production and expansion of private small and micro enterprises.

Relying on the strategic intention of state-owned assets and the geographical advantages of city commercial banks, Hubei Bank has embarked on a differentiated development path. In 2025, the net profit increased by 20.86% year-on-year and achieved a net profit attributable to the parent company of 3.213 billion yuan, which reflects the effectiveness of strategic synergy.

Stability lies in clear direction and steady rhythm; Entering lies in serving entities and promoting collaborative development. Hubei Bank will persist in rooting in Jingchu and continue to provide financial support for the high-quality development of Hubei's economy.