瑞丰农商行上半年实现归母净利8.90亿元，同比增长5.59%

Core Insights - The core viewpoint of the article highlights the financial performance of Ruifeng Rural Commercial Bank for the first half of 2025, showcasing growth in revenue and net profit, alongside an increase in total assets and deposits, while also noting a slight rise in non-performing loans [1] Financial Performance - The bank achieved an operating income of 2.259 billion yuan, representing a year-on-year increase of 3.91% [1] - The net profit attributable to shareholders reached 890 million yuan, marking a year-on-year growth of 5.59% [1] Business Scale - As of the end of the reporting period, the total assets of Ruifeng Rural Commercial Bank amounted to 230.071 billion yuan, an increase of 9.568 billion yuan from the beginning of the year, reflecting a growth rate of 4.34% [1] - The total deposit balance stood at 169.716 billion yuan, up by 7.024 billion yuan since the start of the year, with a growth rate of 4.32% [1] - The total loan balance was 134.205 billion yuan, which increased by 3.245 billion yuan from the beginning of the year, showing a growth rate of 2.48% [1] Asset Quality - The non-performing loan ratio was 0.98%, which increased by 0.01 percentage points compared to the beginning of the year [1] - The provision coverage ratio was 340.28%, up by 19.41 percentage points since the start of the year [1] - The loan-to-deposit ratio was 3.34%, which increased by 0.24 percentage points from the beginning of the year [1]