“红包雨”又来了！银行首家中期分红方案出炉

Core Viewpoint - Changshu Bank has announced its first interim cash dividend for 2025, becoming the first A-share listed bank to do so, with a proposed cash dividend of 0.15 yuan per share, totaling 497 million yuan, which accounts for 25.27% of its net profit attributable to shareholders for the first half of 2025 [1][3]. Financial Performance - For the first half of 2025, Changshu Bank reported operating income of 6.062 billion yuan, a year-on-year increase of 10.10%, and a net profit attributable to shareholders of 1.969 billion yuan, up 13.51% year-on-year [2]. - As of June 30, 2025, the total assets of Changshu Bank reached 401.227 billion yuan, a growth of 9.45% from the end of the previous year, while total liabilities increased by 9.93% to 369.268 billion yuan [2]. - The total loans amounted to 251.471 billion yuan, reflecting a growth of 4.40%, and total deposits reached 310.777 billion yuan, up 8.46% from the previous year [2]. Asset Quality and Capital Adequacy - The non-performing loan ratio stood at 0.76%, a slight decrease of 0.01 percentage points from the end of the previous year, while the provision coverage ratio was 489.53%, down by 10.98 percentage points [2]. - The capital adequacy ratios were reported as follows: total capital adequacy ratio at 13.6%, tier 1 capital adequacy ratio at 10.78%, and core tier 1 capital adequacy ratio at 10.73%, all showing a decline compared to the previous year [2]. Dividend Policy and Market Response - The proposed interim dividend represents a significant increase from the previous years' payout ratios of 20.88% and 19.77% for 2023 and 2024, respectively [3]. - Analysts predict that the total annual dividend for 2025 could increase to between 0.28 yuan and 0.30 yuan per share, resulting in dividend yields of 3.8% to 4.0% [3]. - The move to introduce interim dividends aligns with regulatory encouragement for listed companies to enhance cash dividend levels and frequency, which is expected to boost investor confidence [3]. Future Outlook - Changshu Bank is expected to leverage its unique model advantages and continuous business innovation to support high-quality development in the real economy, showcasing resilience and potential for future growth [4].