Hawaiian Bank's Revenue Soars: A Promising 8.56% Growth Amid Market Recovery

Financial Performance

Hawaiian Bank's Preferred Stock A (Ticker: BOHPRA) achieved a steady growth in its operating revenue from RMB156,223,000 in 2024 to RMB169,865,000 in 2025, a growth of 8.56%. This growth indicates the bank's improved performance in the market, reflecting the improvement in operating efficiency and market demand.

Key Financial Data

1. The growth in operating revenue is driven by increased market demand, diversified services, expanded customer base, and higher net interest income.

2. Net interest income increased from RMB113,938,000 to RMB125,807,000, indicating the bank's effective measures in loan rates or loan disbursement, which boosted overall operating revenue.

3. Despite the growth in operating revenue, the overall financial performance still needs attention, especially in maintaining the customer base.

Peer Comparison

1. Industry-wide analysis: The banking industry as a whole has seen a general increase in operating revenue as interest rates rise and the economy recovers. The overall operating revenue growth rate of the banking industry in 2025 is between 5%-10%, and the 8.56% growth rate of Hawaiian Bank is at the forefront of the industry, showing its competitive advantage.

2. Peer evaluation analysis: Hawaiian Bank's operating revenue growth rate performed well, especially in the improvement of net interest income, showing its effectiveness in asset-liability management. Compared with many banks in the same industry whose growth rates are below 5%, the bank's performance is relatively outstanding.

Summary

Hawaiian Bank achieved a 8.56% YoY growth in its operating revenue in 2025, reflecting the improvement in market demand and operating efficiency. However, the bank still needs to pay attention to the actual growth of the customer base and overall financial performance.

Opportunities

1. The continuous growth in market demand provides opportunities for the bank's further development, especially in the context of economic recovery.

2. The rise in interest rates may continue to drive up interest income, further promoting revenue growth.

3. The bank may further expand its customer base and market share by launching new financial products and services.

Risks

1. Despite the growth in operating revenue, the overall financial performance still needs to be cautious, especially in maintaining the customer base.

2. Intensified industry competition may put pressure on the bank's operating revenue growth, especially in an uncertain economic environment.

3. The uncertainty in the economic recovery process may affect the bank's future revenue and profit growth expectations.