Core Viewpoint - Bohai Bank reported a steady growth in its financial performance for the first half of 2025, with a focus on high-quality development and risk management in a challenging economic environment [1][5]. Financial Performance - For the first half of 2025, Bohai Bank achieved operating income of 14.215 billion yuan, an increase of 8.14% year-on-year [1]. - The net profit for the same period was 3.830 billion yuan, reflecting a year-on-year growth of 3.61% [1]. - The cost-to-income ratio improved to 32.17%, down by 4.10 percentage points compared to the previous year [1]. - As of June 30, 2025, total assets reached 1.82 trillion yuan, while total liabilities stood at 1.71 trillion yuan [1][5]. Strategic Initiatives - Bohai Bank is committed to enhancing financial services to support the real economy, focusing on five key areas to drive high-quality development [2]. - The bank has significantly increased its technology-driven financial services, with loans to technology enterprises reaching 71.252 billion yuan, a growth of 51.28% from the previous year [2]. - Green loans amounted to 49.902 billion yuan, up 15.02% year-on-year, reflecting the bank's commitment to sustainable finance [3]. Risk Management - The bank has strengthened its risk management practices, achieving a provision coverage ratio of 159.70%, an increase of 4.51 percentage points since the beginning of the year [7]. - Capital adequacy ratios, including total capital, tier 1 capital, and core tier 1 capital, were reported at 11.24%, 9.31%, and 8.39%, respectively, indicating improved risk resilience [7]. Operational Efficiency - Bohai Bank has optimized its deposit product structure, resulting in a decrease in the RMB deposit interest rate to 2.03%, down 33 basis points year-on-year [6]. - The bank's operating expenses for the first half of 2025 were 4.839 billion yuan, a decrease of 3.57% compared to the previous year, contributing to enhanced efficiency [6].

Core Viewpoint - Shanghai's new housing policy has led to a reduction in mortgage rates for existing loans and a minimum rate of 3.09% for new second-home loans, aligning them with first-home rates [1][3]. Group 1: New Mortgage Rates - The new policy eliminates the distinction between first and second home mortgage rates in Shanghai, with the specific rate determined by the market rate pricing mechanism and individual bank conditions [2][10]. - The minimum mortgage rate for new second-home loans in Shanghai is set at 3.09%, which is consistent with the first-home loan rate [3][2]. Group 2: Existing Mortgage Adjustments - Existing mortgage rates can be adjusted for eligible borrowers, particularly if their current rate exceeds the national average by more than 30 basis points [4][11]. - For example, a second-home loan with a current rate of 3.45% could potentially be reduced to 3.36% [6][4]. - The adjustment process will not incur any fees and will begin on September 1, 2025 [7][14]. Group 3: Implementation and Communication - Banks in Shanghai, including major institutions like ICBC and Bank of China, have issued announcements regarding the new mortgage rate adjustments [1][9]. - Borrowers can check their eligibility for rate adjustments through their respective banks starting September 1, 2025 [12][13].

Core Viewpoint - Bohai Bank's wealth management subsidiary, established in September 2022, has shown significant growth in assets and profitability by mid-2025, indicating a strong performance in the wealth management sector [1] Financial Performance - As of June 30, 2025, Bohai Bank's wealth management assets totaled 2.673 billion yuan, with net assets of 2.543 billion yuan [1] - In the first half of 2025, the subsidiary achieved operating income of 203 million yuan and net profit of 105 million yuan [1] - The company has served over 900,000 investors and generated cumulative returns of 2.477 billion yuan for its clients [1] Company Overview - Bohai Bank's wealth management division is a wholly-owned subsidiary, registered in Tianjin with a registered capital of 2 billion yuan [1] - The subsidiary focuses on issuing wealth management products, managing entrusted investor assets, and providing advisory and consulting services [1]

8月28日，渤海银行（港股代码：9668.HK）公布了2025年中期业绩报告。报告显示，该行上半年实现 营业收入与净利润双增长，非息收入贡献显著提升，但受行业环境及政策导向影响，利息净收入微降， 净利差仍处于低位，不过已呈现企稳态势，同时资产质量保持在合理区间，风险抵御能力持续增强。 资产负债规模微降，核心盈利指标双增 截至2025年6月末，渤海银行总资产规模为1.82万亿元，较上年末减少200.40亿元，降幅1.09%；总负债 规模为1.71万亿元，较上年末下降1.34%，资产负债规模均出现小幅收缩。 细分项目中，发放贷款和垫款总额达9544.22 亿元，同比上升1.91%，信贷投放保持适度增长；吸收存 款总额为10041.85亿元，同比降低 4.01%，存款规模有所下滑。 盈利表现方面，渤海银行上半年核心盈利指标实现正向增长，经营态势良好。数据显示，该行 2025 年 上半年实现营业收入142.15亿元，同比增 8.14%；实现净利润38.30亿元，同比增长3.61%，两大关键盈 利指标的正增长，也为该行上半年经营业绩奠定了积极基础。 从营收结构分析，"利息 + 非息" 协同发力成为营收增长主要动力，其中 ...

21世纪经济报道 记者郭聪聪8月28日，渤海银行（港股代码：9668.HK）公布了2025年中期业绩报告。 报告显示，该行上半年实现营业收入与净利润双增长，非息收入贡献显著提升，但受行业环境及政策导 向影响，利息净收入微降，净利差仍处于低位，不过已呈现企稳态势，同时资产质量保持在合理区间， 风险抵御能力持续增强。 盈利表现方面，渤海银行上半年核心盈利指标实现正向增长，经营态势良好。数据显示，该行 2025 年 上半年实现营业收入142.15亿元，同比增 8.14%；实现净利润38.30亿元，同比增长3.61%，两大关键盈 利指标的正增长，也为该行上半年经营业绩奠定了积极基础。 从营收结构分析，"利息 + 非息" 协同发力成为营收增长主要动力，其中非息收入的增长表现尤为突 出。具体来看，上半年该行利息净收入 80.46亿元，同比微降0.43%；非利息净收入则从上年同期的 50.65亿元增至61.69亿元，同比增加11亿元，增长幅度达 21.81%。 伴随非息收入的快速增长，其在营业收入中的占比也提升至43.4%，较上年同期提高 4.5个百分点。对 于非息收入的显著增长，渤海银行表示，主要是由于上半年围绕深化供应 ...

Core Viewpoint - Bohai Bank reported steady growth in operating indicators for the first half of 2025, achieving a "double increase" in operating income and net profit, with a focus on stability and quality improvement in financial services [2][3]. Group 1: Financial Performance - For the first half of 2025, Bohai Bank achieved operating income of 14.215 billion yuan, a year-on-year increase of 8.14%, and net profit of 3.83 billion yuan, a year-on-year increase of 3.61% [3]. - As of the end of June, the bank's total assets reached 1.82 trillion yuan, with loans and advances increasing by 17.066 billion yuan to 942.428 billion yuan, a growth of 1.84% [3]. - The total amount of corporate loans reached 693.5 billion yuan, an increase of 5.92% compared to the end of the previous year [4]. Group 2: Support for the Real Economy - Bohai Bank has intensified its support for the real economy, focusing on optimizing its business structure and expanding its customer base [3]. - Key areas of loan growth included technology innovation (51.28%), manufacturing (12.36%), green development (15.02%), and agriculture (3.45%), all exceeding the growth rate of general loans [3]. - The bank's cost-to-income ratio improved to 32.17%, a decrease of 4.10 percentage points year-on-year, reflecting effective cost control [4]. Group 3: Risk Management - As of June, the non-performing loan ratio stood at 1.81%, indicating stable asset quality, with sufficient provisions for various types of impairments [4]. - Loan impairment provisions amounted to 27.579 billion yuan, an increase of 2.005 billion yuan from the end of the previous year, with a loan provision coverage ratio of 159.7% [4]. Group 4: Technological Financial Services - Bohai Bank has prioritized the development of a technology finance service system, responding to the central government's call to enhance financial services in this area [6][8]. - By the end of June, the balance of loans to technology enterprises reached 71.252 billion yuan, an increase of 24.153 billion yuan, or 51.28% year-on-year [8]. - The bank successfully issued 5 billion yuan in technology innovation bonds and has been active in underwriting, with a total of 31.47 billion yuan in technology innovation bonds underwritten [8]. Group 5: Regional Economic Development - Bohai Bank is committed to supporting regional economic development, particularly in the Beijing-Tianjin-Hebei area, and has integrated this focus into its strategic priorities for the second half of the year [10]. - The bank's transaction banking business generated over 750 million yuan in intermediary income, reflecting a year-on-year growth of 5.36% [10]. - The bank has launched various products to support the automotive supply chain, achieving over 19.7 billion yuan in financing for the automotive ecosystem [10][11].

业绩摘要 截至2025年6月30日： 2025年8月28日，渤海银行股份有限公司（以下简称"渤海银行"或"该行"；股份代号：9668.HK）公布其 截至2025年6月30日止六个月之未经审计综合中期业绩。 2025年上半年，我国经济运行稳中有进，高质量发展取得新成效。主要经济指标表现良好，新质生产力 积极发展，改革开放不断深化，重点领域风险有力有效防范化解，民生兜底保障进一步加强，我国经济 展现强大活力和韧性。渤海银行坚持以习近平新时代中国特色社会主义思想为指导，全面落实新发展理 念，扎实做好"五篇大文章"，提升金融服务质效，同时统筹推进自身稳规模、调结构、增营收、降成 本，深耕"九大银行"转型，优化业务结构布局，强化金融风险防控，深化数字化转型，推动全行高质量 发展走深走实，主要盈利指标稳步增长，各项经营指标稳中提质：2025年1—6月，该行实现营业收入 142.15亿元，同比增长8.14%；实现净利润38.30亿元，同比增加3.61%；成本收入比32.17%，同比下降 4.10个百分点；截至2025年6月末，实现总资产规模1.82万亿元，总负债规模1.71万亿元。 五篇大文章 释放高质量发展动能 做好"五 ...

Core Viewpoint - Bohai Bank reported a year-on-year increase in both operating income and net profit for the first half of 2025, despite facing a challenging low-interest-rate environment [1][2] Financial Performance - The bank achieved operating income of 14.215 billion yuan, a growth of 8.14% year-on-year [1] - Net profit reached 3.83 billion yuan, reflecting a year-on-year increase of 3.61% [1] - As of June 30, 2025, total assets amounted to 1.8238 trillion yuan, while total liabilities were 1.7105 trillion yuan [1] Loan and Deposit Management - Total loans and advances stood at 954.422 billion yuan, with total deposits at 1.004185 trillion yuan as of June 30, 2025 [1] - The bank optimized its deposit product structure, focusing on low-cost deposits and institutional deposits while controlling high-cost deposits [1] Non-Interest Income and Net Interest Margin - Non-interest income reached 6.169 billion yuan, marking a significant year-on-year increase of 21.81% [1] - The net interest margin improved despite a general industry trend of narrowing margins [1] Cost Management and Efficiency - Operating expenses for the first half of 2025 were 4.839 billion yuan, down 3.57% year-on-year [2] - The cost-to-income ratio decreased by 4.10 percentage points to 32.17%, indicating improved efficiency [2] Asset Quality and Capital Adequacy - The bank increased its efforts in managing non-performing assets, achieving a provision coverage ratio of 159.70%, up 4.51 percentage points from the beginning of the year [2] - Capital adequacy ratios as of June 30, 2025, were 11.24% for total capital, 9.31% for tier 1 capital, and 8.39% for core tier 1 capital [2]

人民财讯8月28日电，渤海银行发布2025年中期业绩公告显示，上半年，该行实现营业收入142.15亿 元，同比增幅8.14%；实现净利润38.3亿元，同比增幅3.61%。截至2025年6月末，该行资产总额达 18238.02亿元，较年初降幅1.09%。资产质量方面，截至6月末，该行不良贷款率1.81%，较上年末上升 0.05个百分点。 ...

Core Viewpoint - Bohai Bank reported a growth in both revenue and net profit for the first half of 2025, driven primarily by financial investment income, despite facing challenges in asset quality and scale [1][2]. Financial Performance - For the first half of 2025, Bohai Bank's operating income reached 14.215 billion yuan, an increase of 8.14% year-on-year; net profit was 3.830 billion yuan, up 3.61% year-on-year [1][2]. - The growth in net profit was attributed to increased operating income and ongoing cost reduction efforts [2]. Asset Quality and Scale - As of the end of June, the total assets of Bohai Bank amounted to 1.8238 trillion yuan, a decrease of 1.09% from the end of the previous year [2]. - The non-performing loan (NPL) ratio rose to 1.81%, an increase of 0.05 percentage points from the end of the previous year [2]. Revenue Composition - Interest income for the first half was 8.046 billion yuan, a slight decline of 0.43% year-on-year; the net interest margin was 1.20%, up 0.04 percentage points [3]. - Non-interest income reached 6.169 billion yuan, a significant increase of 21.81% year-on-year, primarily driven by a 61.16% rise in financial investment income [3]. Loan Quality - As of June, the non-performing loan balance for corporate loans increased by 468 million yuan, with a non-performing rate of 1.12% [5]. - Personal loan non-performing balance rose by 319 million yuan, with the non-performing rate increasing from 4.15% to 4.43% [5]. Regional and Sectoral Performance - The highest non-performing loan rates were observed in Central and Southern China at 3.10%, with increases noted in the real estate and construction sectors [5]. - The bank disposed of 3.742 billion yuan of non-performing assets through various methods by the end of June [6].