苏农银行上半年净利润同比增长5.23% 将首次实施中期分红

Core Viewpoint - Su Nong Bank has reported steady growth in its financial performance for the first half of 2025, emphasizing its commitment to supporting agriculture and small enterprises while implementing a mid-term dividend for the first time in its history [1][2]. Financial Performance - For the first half of 2025, Su Nong Bank achieved operating income of 2.28 billion yuan, a year-on-year increase of 0.21% [2]. - The net profit attributable to shareholders reached 1.18 billion yuan, reflecting a year-on-year growth of 5.23% [2]. - Basic earnings per share were 0.58 yuan, up 5.45% compared to the previous year [2]. Asset and Loan Growth - As of the end of the reporting period, total assets amounted to 223.25 billion yuan, an increase of 9.26 billion yuan or 4.33% since the beginning of the year [2]. - Total deposits reached 178.05 billion yuan, growing by 7.80 billion yuan or 4.58% [2]. - Total loans stood at 136.33 billion yuan, with an increase of 6.99 billion yuan or 5.41% [2]. Loan Distribution - The balance of loans to private enterprises exceeded 80 billion yuan, accounting for over 90% of corporate loans [2]. - Loans to the manufacturing sector reached 38.64 billion yuan, representing nearly 30% of total loans [2]. Risk Management - The non-performing loan ratio remained stable at 0.90%, unchanged from the beginning of the year [2]. - The provision coverage ratio was 386.88%, indicating stable risk management capabilities [2]. Service Innovation - Su Nong Bank has focused on becoming a "financial service steward" for small and medium-sized enterprises, providing journey-based services with positive outcomes [3][4]. - The bank has enhanced its "steward service" by establishing a "alliance chain" system and offering a comprehensive financial service model that includes wealth management and value-added services [4]. Green Financing - The balance of green loans surpassed 6 billion yuan, aligning with market demands for energy-saving diagnostics and low-carbon certification [4].