贵阳银行上半年归母净利润24.74亿元，同比下降7.20%

Core Viewpoint - Guiyang Bank reported a decline in both operating income and net profit for the first half of 2025, primarily due to reduced interest income from lending and decreased fair value gains from trading financial assets [1][2] Financial Performance - The bank achieved operating income of 6.501 billion yuan, a year-on-year decrease of 12.22% - Net profit attributable to shareholders was 2.474 billion yuan, down 7.20% year-on-year - Basic earnings per share were 0.68 yuan, with a weighted average return on equity of 7.92% (annualized) and a total asset return of 0.70% (annualized) [1] Business Scale - As of the end of the reporting period, total assets reached 741.536 billion yuan, an increase of 35.867 billion yuan or 5.08% since the beginning of the year - Total loans amounted to 343.461 billion yuan, up 4.319 billion yuan or 1.27% - Total deposits were 433.770 billion yuan, increasing by 14.562 billion yuan or 3.47% [2] Deposit Composition - Corporate deposits stood at 193.876 billion yuan, while savings deposits reached 230.665 billion yuan, with savings deposits increasing by 16.124 billion yuan or 7.52% - Savings deposits accounted for 53.18% of total deposits, up 2 percentage points from the beginning of the year [2] Asset Quality - The non-performing loan ratio was 1.70%, an increase of 0.12 percentage points from the beginning of the year - The bank reported a provision coverage ratio of 238.64% and a loan-to-deposit ratio of 4.05% [2] Capital Adequacy - Capital adequacy ratio was 14.97%, with a tier 1 capital adequacy ratio of 13.77% and a core tier 1 capital adequacy ratio of 12.73%, all meeting regulatory requirements [2]