超预期！上市银行首份半年报来了

Group 1 - The core point of the news is that Hangzhou Bank has reported a net profit growth of over 16% for the first half of 2025, becoming the first listed bank in A-shares to release its performance report [2][4] - For the first half of 2025, Hangzhou Bank achieved an operating income of 20.093 billion yuan, a year-on-year increase of 3.89%, and a net profit attributable to shareholders of 11.662 billion yuan, up 16.67% from the same period in 2024 [4] - As of June 30, 2025, Hangzhou Bank's total assets reached 2.24 trillion yuan, an increase of 5.83% from the end of the previous year, with total loans of 1.01 trillion yuan, up 7.67%, and total deposits of 1.34 trillion yuan, up 5.17% [4] Group 2 - The non-performing loan ratio of Hangzhou Bank remained stable at 0.76%, with a provision coverage ratio of 520.89%, which decreased by 20.56 percentage points compared to the end of the previous year [4] - The core Tier 1 capital adequacy ratio and total capital adequacy ratio were 9.74% and 14.64%, respectively, both increasing by 0.89 percentage points and 0.84 percentage points from the end of the previous year [4] - The banking sector is characterized by high dividends and stable returns, making it an attractive defensive investment option, although current valuations are considered relatively high [6]