又有“红包雨”降至！上市银行首家中期分红方案出炉，拟派现近5亿

Core Viewpoint - The announcement of the mid-term dividend plan by Changshu Bank marks a significant development in the banking sector, as it is the first A-share listed bank to initiate a mid-term dividend for 2025, reflecting a trend among various banks to enhance shareholder returns through increased dividend distributions [1][3][8]. Summary by Relevant Sections Dividend Distribution - Changshu Bank plans to distribute a cash dividend of 0.15 yuan per share (before tax), totaling 497 million yuan, which represents 25.27% of the bank's net profit attributable to shareholders for the first half of 2025 [1][3]. - The bank's mid-term dividend plan has been approved by its board and aligns with its profit distribution policy [3][8]. - Other banks, including China Merchants Bank, Hangzhou Bank, and Changsha Bank, have also expressed intentions to implement mid-term dividends for 2025 [1][9]. Financial Performance - In the first half of 2025, Changshu Bank reported a revenue of 6.062 billion yuan, a year-on-year increase of 10.1%, and a net profit of 1.969 billion yuan, up 13.51% year-on-year [3][4]. - The bank's net interest income was 4.64 billion yuan, a slight increase of 0.83%, while non-interest income surged by 57.26% to 1.422 billion yuan, indicating a shift towards diversified revenue sources [4]. Asset Quality and Capital Adequacy - As of mid-2025, Changshu Bank's non-performing loan ratio stood at 0.76%, a slight decrease from the previous year, with a provision coverage ratio of 489.53% [4]. - The capital adequacy ratios were reported as 13.6% for total capital, 10.78% for tier 1 capital, and 10.73% for core tier 1 capital, all showing a decline compared to the end of the previous year [4]. Market Trends and Investor Sentiment - The move towards mid-term dividends is seen as a response to regulatory encouragement for listed companies to enhance cash dividend levels and improve shareholder satisfaction [8][11]. - Analysts predict that Changshu Bank's total dividend per share for 2025 may increase, potentially reaching 0.28 to 0.30 yuan, which would correspond to dividend yields of 3.8% to 4.0% [8][9].