智通财经网·2025-08-27 10:39Core Insights - The core viewpoint of the news is that China CITIC Bank reported a slight increase in net profit for the first half of 2025, despite a decline in operating income and net interest income, indicating a stable asset quality and a focus on supporting the real economy through various loan sectors [1][2]. Financial Performance - The bank achieved a net profit attributable to shareholders of 36.478 billion yuan, a year-on-year increase of 2.78% [1] - Operating income was 105.426 billion yuan, a year-on-year decrease of 2.96% [1] - Net interest income stood at 71.201 billion yuan, down 1.94% year-on-year, while non-interest income was 34.225 billion yuan, down 5.01% year-on-year [1] - Basic earnings per share were 0.62 yuan, with a proposed cash dividend of 1.88 yuan per 10 shares (tax included) [1] Quarterly Trends - In the second quarter, net profit attributable to shareholders grew by 4.11% year-on-year, with an increase of 2.45 percentage points compared to the first quarter [1] - Operating income decreased by 2.29% year-on-year, but the decline was narrower by 1.36 percentage points compared to the first quarter, indicating a positive trend [1] Asset Quality and Risk Management - The overall asset quality remained stable, with a strong risk resistance capability [1] - The non-performing loan balance was 67.134 billion yuan, an increase of 649 million yuan or 0.98% from the end of the previous year [1] - The non-performing loan ratio was 1.16%, unchanged from the end of the previous year [1] - The provision coverage ratio was 207.53%, down by 1.90 percentage points from the end of the previous year but up by 0.42 percentage points from the end of the first quarter [1] Asset and Liability Growth - The total assets of the group reached 9,858.466 billion yuan, an increase of 3.42% from the end of the previous year [2] - Total loans and advances (excluding accrued interest) amounted to 5,801.9 billion yuan, a year-on-year increase of 1.43% [2] - Total customer deposits (excluding accrued interest) were 6,106.907 billion yuan, reflecting a year-on-year growth of 5.69% [2]