QRCB(SZ:002958) Shang Hai Zheng Quan Bao·2025-08-27 14:21Group 1 - The core viewpoint of the report indicates that Qingnong Commercial Bank experienced a slight decline in operating income while achieving growth in net profit for the first half of 2025 [1] - The bank's operating income for the first half of 2025 was 5.752 billion yuan, a year-on-year decrease of 1.83%, while net profit attributable to shareholders increased to 2.134 billion yuan, reflecting a growth of 5.22% [1] - As of June 30, 2025, the total assets of the bank reached 505.246 billion yuan, representing a growth of 2.06% compared to the end of the previous year [1] Group 2 - The total amount of loans and advances issued by the bank was 272.199 billion yuan, which increased by 5.616 billion yuan, marking a growth of 2.11% [1] - The balance of deposits absorbed by the bank was 334.388 billion yuan, with an increase of 7.715 billion yuan, reflecting a growth of 2.36% [1] - The bank's non-performing loan ratio stood at 1.75%, a decrease of 0.04 percentage points from the end of the previous year, indicating an improvement in asset quality [1] Group 3 - The provision coverage ratio was reported at 249.00%, slightly down from 250.53% at the end of 2024 [1] - As of the end of the reporting period, the bank's core Tier 1 capital adequacy ratio was 10.58%, the Tier 1 capital adequacy ratio was 12.09%, and the total capital adequacy ratio was 13.78%, all showing a decline compared to the end of the previous year [1]