Changshu Bank(SH:601128) Cai Jing Wang·2025-08-07 13:00Core Insights - The report indicates that Changshu Bank achieved an operating income of 6.062 billion yuan in the first half of 2025, representing a year-on-year increase of 10.10% [1] - The net profit attributable to shareholders reached 1.969 billion yuan, with a year-on-year growth of 13.51% [1] - Key financial ratios showed improvements, with a return on assets (ROA) of 1.10% and a return on equity (ROE) of 13.34%, both reflecting slight increases compared to the previous year [1] Financial Performance - Operating income for the first half of 2025 was 6.062 billion yuan, up 10.10% year-on-year [1] - Net profit attributable to shareholders was 1.969 billion yuan, marking a 13.51% increase year-on-year [1] - The annualized ROA was 1.10%, up by 0.02 percentage points year-on-year [1] - The annualized ROE stood at 13.34%, an increase of 0.06 percentage points year-on-year [1] - The cost-to-income ratio improved to 34.56%, down 0.62 percentage points year-on-year [1] - Net interest margin was reported at 2.58%, maintaining a strong position within the industry [1] Asset and Loan Growth - Total assets reached 401.227 billion yuan, reflecting a growth of 9.45% since the beginning of the year [1] - Total deposits amounted to 310.777 billion yuan, with an increase of 8.46% year-to-date [1] - Total loans were 251.471 billion yuan, showing a year-to-date growth of 4.40% [1] - Personal loans constituted 54.20% of total loans, while personal operating loans made up 37.56% [1] - The balance of loans to small and micro enterprises with single credit of 10 million yuan or less was 104.345 billion yuan, serving 213,300 clients [1] Asset Quality - The non-performing loan ratio was 0.76%, a decrease of 0.01 percentage points from the beginning of the year [1] - The provision coverage ratio was 489.53%, down by 10.98 percentage points since the start of the year [1]