杭州银行上半年净赚超116亿增逾16%，个人贷款不良率升至1.02%

Financial Performance - Hangzhou Bank reported a net profit of over 11.66 billion yuan for the first half of 2025, representing a year-on-year increase of 16.66% [1] - The bank achieved operating income of 20.09 billion yuan, a growth of 3.9% compared to the previous year [1] - Net interest income reached 13.09 billion yuan, up 9.38% year-on-year, accounting for 65.14% of total operating income, an increase of 3.26 percentage points from the same period last year [1] Asset and Liability Overview - As of June 30, 2025, total assets amounted to 2,235.6 billion yuan, a growth of 5.83% from the end of the previous year [1] - Total loans and advances reached 1,009.4 billion yuan, increasing by 7.67% [1] - Total liabilities were 2,075.1 billion yuan, up 5% from the previous year, with customer deposits at 1,338.3 billion yuan, a growth of 5.17% [1] Loan Quality and Capital Adequacy - The non-performing loan (NPL) balance stood at 7.66 billion yuan, an increase of 0.545 billion yuan from the end of the previous year, with an NPL ratio of 0.76%, unchanged from the previous year [2] - The personal loan NPL ratio rose to 1.02%, an increase of 0.25 percentage points [2] - Capital adequacy ratios as of June 30, 2025, were 14.64%, 11.98%, and 9.74% for total capital, tier 1 capital, and core tier 1 capital respectively, showing increases of 0.84, 0.93, and 0.89 percentage points from the previous year [2]