8月29日，民生银行公布了2025年中期业绩报告。相关数据显示，报告期内，该行经营稳中有进，核心 指标表现稳健。 财务数据方面，民生银行上半年实现营业收入723.84亿元，同比增长7.83%；归属于本行股东的净利润 213.80亿元，同比下降4.87%。截至6月末，资产总额约7.77万亿元，降幅为0.59%；发放贷款和垫款总 额约4.47万亿元，增幅0.44%；吸收存款总额约4.31万亿元，较上年末增1.46%。 负债数据方面，截至6月末，民生银行负债总额70666.09亿元，比上年末下降917.92亿元，降幅1.28%。 在资产质量方面，截止六月末，不良贷款总额660.52亿元，比上年末增加4.42亿元；不良贷款率 1.48%，比上年末上升0.01个百分点；拨备覆盖率145.06%，比上年末上升3.12个百分点。 值得注意的是，民商银行的房地产业务不良率也在今年上半年出现了下降。 截至6月末，民生银行对公房地产相关的贷款、表外授信、标准债权投资、非标债权投资、债券投资等 承担信用风险的授信业务余额3906.53亿元，比上年末减少45.11亿元，降幅1.14%。其中，房地产业不 良贷款余额115.86亿元，比 ...

（民生银行） 8月29日，民生银行半年度业绩报告中披露的信息显示，截至报告期末，民生加银基金资产总额24.86亿 元，净资产19.59亿元。公司资产管理总规模2,139.88亿元，比上年末增长15.31%。 ...

Core Insights - The core viewpoint of the article highlights the financial performance of Minsheng Bank for the first half of the year, showcasing significant growth in both assets and profits [1] Financial Performance - As of the end of the reporting period, Minsheng Bank's total assets reached 90.78 billion yuan, with net assets amounting to 87.40 billion yuan [1] - The bank achieved a net profit of 5.31 billion yuan during the reporting period [1] - The scale of wealth management products at the end of the reporting period was 11,380.84 billion yuan, reflecting a year-on-year growth of 12.05% [1]

Core Viewpoint - The bank emphasizes high-quality development and strategic execution, focusing on customer-centric operations, risk control, and digital transformation to enhance overall business performance [15][16][17]. Company Overview - The bank's total assets reached 77,689.21 billion RMB, a decrease of 460.48 billion RMB or 0.59% from the previous year [16]. - The total liabilities amounted to 70,666.09 billion RMB, down by 917.92 billion RMB or 1.28% [16]. - The bank's net profit attributable to shareholders was 213.80 billion RMB, a decrease of 10.94 billion RMB or 4.87% year-on-year [17]. Financial Performance - Operating income increased to 723.84 billion RMB, up by 52.57 billion RMB or 7.83% year-on-year [17]. - Net interest income was 492.03 billion RMB, reflecting a year-on-year increase of 6.21 billion RMB or 1.28% [17]. - Non-interest income reached 231.81 billion RMB, a rise of 46.36 billion RMB or 25.00% compared to the previous year [17]. Risk Management - The bank's non-performing loan (NPL) ratio stood at 1.48%, slightly up by 0.01 percentage points from the previous year [18]. - The provision coverage ratio improved to 145.06%, an increase of 3.12 percentage points year-on-year [18]. Business Review - The bank served 12.19 million technology enterprises, with 2.80 million being specialized and innovative clients [20]. - Green finance initiatives included issuing 100 billion RMB in green bonds, with a green loan balance of 3,264.85 billion RMB, up by 286.81 billion RMB or 9.63% [22]. - Inclusive finance efforts resulted in a balance of 6,667.51 billion RMB in loans to small and micro enterprises, with 48.29 million clients served [24]. Retail Banking - Retail customer assets totaled 31,539.76 billion RMB, an increase of 2,077.29 billion RMB or 7.05% [36]. - The number of retail customers reached 139.52 million, growing by 3.89% year-on-year [37]. - Retail loans amounted to 17,232.78 billion RMB, a decrease of 274.83 billion RMB or 1.57% [36]. Digital Transformation - The bank launched 152 key features on its digital platform, enhancing service capabilities and customer experience [27][28]. - Online retail platform users reached 124.49 million, a growth of 3.18% from the previous year [28]. International Business - The Hong Kong branch's total assets grew to 236.93 billion HKD, an increase of 11.83% year-on-year [52]. - The branch's net income was 1.648 billion HKD, reflecting a year-on-year growth of 22.62% [52].

智通财经APP讯，民生银行(600016.SH)披露2025年半年度报告，报告期公司实现营收723.84亿元，同比 增长7.83%;归母净利润213.8亿元，同比下降4.87%;扣非净利润215.07亿元，同比下降4.37%;基本每股收 益0.45元。拟每10股派发现金股利人民币1.36元(含税)。 ...

Group 1 - The company announced that its wholly-owned subsidiaries will apply for a comprehensive credit limit of 50 million yuan from Minsheng Bank's Beijing branch [2] - The company will provide joint liability guarantee for the credit application, with the guarantee period lasting three years from the debt performance deadline [2] - As of the announcement date, the total amount of external guarantees provided by the company and its subsidiaries is 100 million yuan, which accounts for 5.27% of the company's audited net assets for 2024 [2]

证券日报网讯 8月29日晚间，民生银行发布公告称，2025年上半年实现营业收入72，384百万元，同比 增长7.83%；归属于本行股东的净利润21，380百万元，同比下降4.87%。 （文章来源：证券日报） ...

截至6月末，民生银行资产总额77689.21亿元，比上年末减少460.48亿元，降幅0.59%。其中，发放贷款和垫款总额44698.74亿元，比上年末增加 193.94亿元，增幅0.44% ；在总资产中占比57.54%，比上年末上升0.59个百分点；一般性贷款规模稳步增长，在总资产中占比56.00%，比上年末上 升1.85个百分点。负债端，截至6月末，民生银行负债总额70666.09亿元，比上年末下降917.92亿元，降幅1.28%。其中，吸收存款总额43110.02亿 元，比上年末增加619.07亿元，增幅1.46%，在负债总额中占比61.01%，比上年末上升1.65个百分点；个人存款规模增长，在吸收存款中占比 31.96%，比上年末上升1.40个百分点。 资产质量方面，截至6月末，不良贷款总额660.52亿元，比上年末增加4.42亿元；不良贷款率1.48%，比上年末上升0.01个百分点；拨备覆盖率 145.06%，比上年末上升3.12个百分点。 民生银行房地产业不良率今年上半年下降。 截至6月末，民生银行对公房地产相关的贷款、表外授信、标准债权投资、非标债权投资、债券投资等承担信用风险的授信业务余额390 ...

Core Insights - Minsheng Bank reported a year-on-year increase in operating income, net interest income, and net commission income for the first half of 2025, with operating income reaching 72.384 billion yuan, a growth rate of 7.83% [1] Financial Performance - The bank's average daily interest-earning assets increased to 71,224.47 billion yuan, up by 57.932 billion yuan year-on-year [1] - The net interest margin stood at 1.39%, an increase of 1 basis point compared to the previous year [1] - Net interest income amounted to 49.203 billion yuan, reflecting a year-on-year growth of 1.28% [1] - The net profit attributable to shareholders was 21.380 billion yuan, showing a decline of 4.87% primarily due to an increase in risk provision [1] - The provision coverage ratio increased by 3.12 percentage points since the beginning of the year [1] Asset and Loan Growth - As of June 30, total assets reached 77,689.21 billion yuan, with total loans and advances amounting to 44,698.74 billion yuan, a year-on-year increase of 0.44% [1] - Loans accounted for 57.54% of total assets, up by 0.59 percentage points from the end of the previous year [1] - General loans showed steady growth, comprising 56.00% of total assets, an increase of 1.85 percentage points from the end of the previous year [1] Liability and Deposit Growth - As of June 30, total liabilities were 70,666.09 billion yuan, with total deposits reaching 43,110.02 billion yuan, reflecting a year-on-year growth of 1.46% [2] - Deposits accounted for 61.01% of total liabilities, an increase of 1.65 percentage points from the end of the previous year [2] - Personal deposits grew, making up 31.96% of total deposits, an increase of 1.40 percentage points from the end of the previous year [2]

Core Insights - Minsheng Bank reported a total operating income of 72.384 billion yuan for the first half of 2025, an increase of 5.257 billion yuan, representing a growth rate of 7.83% [1] - The bank's net interest income reached 49.203 billion yuan, up by 6.21 million yuan, with a growth rate of 1.28% [1] - Non-interest income grew significantly, reaching 23.181 billion yuan, an increase of 4.636 billion yuan, with a growth rate of 25.00% [1] Financial Performance - The average daily balance of interest-earning assets was 71,224.47 billion yuan, an increase of 57.932 billion yuan year-on-year [1] - The net interest margin stood at 1.39%, up by 1 basis point compared to the previous year [1] - The bank's net profit attributable to shareholders was 21.380 billion yuan, a decrease of 1.094 billion yuan, with a decline rate of 4.87% [1] Asset and Liability Management - As of the end of the first half, total assets amounted to 77,689.21 billion yuan, a decrease of 46.048 billion yuan, representing a decline of 0.59% [2] - Total loans and advances reached 44,698.74 billion yuan, an increase of 193.94 billion yuan, with a growth rate of 0.44% [2] - Total liabilities were 70,666.09 billion yuan, down by 917.92 billion yuan, with a decline rate of 1.28% [2] Loan Quality and Risk Management - The total non-performing loans amounted to 66.052 billion yuan, an increase of 4.42 billion yuan [2] - The non-performing loan ratio was 1.48%, up by 0.01 percentage points [2] - The provision coverage ratio improved to 145.06%, an increase of 3.12 percentage points [2]