ZA Bank logs interim net profit of HK$49m in H1 2025

Net revenue rose 82.1% and net interest income rose 42.8%, the digital bank said.

ZA Bank has reported its first-ever interim net profit, at HK$49m (US$6.3m) in the first half of 2025, according to a press release.

Customer deposits expanded to HK$21.1b (US$2.71m), whilst net interest margin is at 2.38%. The bank’s total assets reached HK$24.65b (US$3.17m), the Hong Kong digital bank said in a press release.

Hong Kong’s first digital bank saw its net revenue rise by 82.1% year-on-year, and net interest income climbed 42.8%, it said in an announcement on 30 September 2025. Fee income also registered a 56% growth during the period.

ZA Bank said that its wealth management activities helped fuel growth. Assets under management (AUM) from investors rose by over 125% year-on-year by H1.

Looking ahead, ZA Bank said that it will deepen institutions’ collaborations, broaden digital assets use cases and actively support HK’s development as a global hub for digital asset innovation.

(US$1 = HK$7.78; as of 30 September 2025, Morningstar via Google)