首份A股上市银行半年报“出炉”，常熟农商行归母净利润19.69亿元

Core Viewpoint - The first A-share listed bank, Changshu Rural Commercial Bank, reported its 2025 semi-annual results, showing positive growth in revenue and net profit, indicating a stable financial performance in the first half of the year [1] Financial Performance - The bank achieved an operating income of 6.062 billion yuan, representing a year-on-year increase of 10.1% [1] - The net profit attributable to shareholders reached 1.969 billion yuan, with a year-on-year growth of 13.51% [1] Asset and Loan Growth - As of the end of the reporting period, total assets amounted to 401.227 billion yuan, reflecting a growth of 9.45% since the beginning of the year [1] - Total deposits were 310.777 billion yuan, up 8.46% from the start of the year [1] - Total loans reached 251.471 billion yuan, with an increase of 4.40% year-to-date [1] - Personal loans constituted 54.20% of total loans, while personal operating loans made up 37.56% [1] Micro and Small Enterprise Loans - The balance of loans for small and micro enterprises with a single credit limit of 10 million yuan or less was 104.345 billion yuan, serving 213,300 loan accounts, highlighting the bank's focus on inclusive finance [1] Asset Quality - The overall asset quality remained stable, with a non-performing loan ratio of 0.76%, a decrease of 0.01 percentage points since the beginning of the year [1] - The provision coverage ratio stood at 489.53%, down 10.98 percentage points from the start of the year [1]