ZRCBANK(SZ:002839) Quan Jing Wang·2025-08-27 14:01Core Viewpoint - Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd. reported stable growth in revenue and net profit for the first half of 2025, indicating a solid financial foundation and effective risk management strategies [1][2]. Financial Performance - The bank achieved an operating income of 2.605 billion yuan, a year-on-year increase of 1.72% - Net profit attributable to shareholders reached 999.5 million yuan, up 5.11% year-on-year - Total assets amounted to 223.785 billion yuan, growing by 2.23% since the beginning of the year - Total deposits reached 175.931 billion yuan, increasing by 5.58% - Total loans stood at 146.122 billion yuan, with a growth of 6.41% [1]. Asset Quality and Risk Management - The non-performing loan ratio remained stable at 0.94% as of June 30 - The provision coverage ratio improved to 383.98%, an increase of 7.95 percentage points since the beginning of the year - Personal loans accounted for 30% of the loan portfolio, while corporate loans made up 70%, with a focus on manufacturing, wholesale and retail, and leasing and business services [2]. Support for Agriculture and Small Enterprises - The bank's agricultural and small micro-loan balance reached 124.625 billion yuan, increasing by 8.389 billion yuan since the beginning of the year, representing 90.88% of total loans - The number of clients with loans under 10 million yuan accounted for 99.01% - The growth rate of inclusive small micro-enterprise loans was 9.15%, significantly higher than the average loan growth rate - Loans to private enterprises totaled 84.811 billion yuan, up by 5.283 billion yuan, making up 61.85% of the loan portfolio [3]. Digital Transformation and Technological Empowerment - The bank has accelerated its financial technology initiatives, enhancing business efficiency and customer experience through new core systems and credit management systems - In risk control, the deployment of local applications like DeepSeek and Tongyi Qianwen has improved efficiency in loan approval, business marketing, and smart operations [4]. Social Responsibility and Green Finance - The balance of green loans reached 5.175 billion yuan, reflecting an 18.2% increase since the beginning of the year - The bank has actively engaged in various long-term public welfare projects and collaborated with local authorities on anti-fraud initiatives [5]. Dividend Policy and Future Outlook - The bank plans to distribute a cash dividend of 1.0 yuan per 10 shares, maintaining a consistent approach to shareholder returns - The year 2025 is pivotal for the bank's three-year development plan (2024-2026), focusing on risk control, foundational strengthening, and team enhancement to better serve the real economy [6].