成都银行: 成都银行股份有限公司2025年半年度报告摘要

Core Viewpoint - Chengdu Bank reported a steady growth in financial performance for the first half of 2025, with significant increases in revenue and net profit, while maintaining a strong risk management profile [1][8]. Financial Performance - Total assets reached CNY 1,372.22 billion, an increase of 9.77% compared to the end of the previous year [1]. - Operating income for the first half of 2025 was CNY 12.27 billion, up 5.91% from CNY 11.59 billion in the same period of 2024 [1][8]. - Net profit attributable to shareholders was CNY 6.62 billion, reflecting a growth of 7.29% year-on-year [1][8]. - Basic earnings per share were CNY 1.57, with a diluted earnings per share of CNY 1.56 [2][8]. Key Financial Ratios - The return on average equity was 7.94%, down from 9.02% in the previous year [2]. - The non-performing loan ratio stood at 0.66%, with a provision coverage ratio of 452.65% [2][8]. - The liquidity ratio was reported at 95.44%, indicating a strong liquidity position [2][8]. Business Growth - Total loans and advances amounted to CNY 834.63 billion, a 12.40% increase from CNY 742.57 billion in the previous year [1]. - Total deposits reached CNY 983.48 billion, up 11.02% from CNY 885.86 billion [1]. Capital Structure - Core Tier 1 capital was CNY 83.22 billion, with a capital adequacy ratio of 13.13% [3]. - The bank's leverage ratio was reported at 6.27% [3]. Strategic Developments - The bank is in the process of dissolving Sichuan Mingshan Jincheng Village Bank, following regulatory approval [7]. - The bank has successfully issued CNY 8 billion in convertible bonds, which are now in the conversion period [6].