ZRCBANK(SZ:002839) Zheng Quan Shi Bao Wang·2025-08-27 15:00Core Viewpoint - Zhangjiagang Bank reported steady growth in total assets, operating income, and net profit for the first half of 2025, indicating a robust operational performance and the implementation of a mid-term dividend plan for shareholders [1][2]. Financial Performance - Total assets reached 223.785 billion yuan, a year-on-year increase of 2.23% - Operating income was 2.605 billion yuan, up 1.72% from the previous year - Net profit attributable to shareholders was 999.5 million yuan, reflecting a growth of 5.11% compared to the same period last year [1]. Business Growth and Strategy - The bank's total assets increased by 4.877 billion yuan since the beginning of the year, with a growth rate of 2.23% - Total deposits amounted to 175.931 billion yuan, up 9.3 billion yuan, a growth of 5.58% - Total loans reached 146.122 billion yuan, increasing by 8.806 billion yuan, with a growth rate of 6.41% [2]. Asset Quality - Non-performing loan ratio stood at 0.94%, unchanged from the beginning of the year - Provision coverage ratio improved to 383.98% - Capital adequacy ratio was 13.05%, with a core tier 1 capital adequacy ratio of 10.63% [3]. Regional Focus - Zhangjiagang Bank has established branches in economically active regions such as Suzhou, Wuxi, Nantong, and Qingdao - The bank holds a leading market share in local deposits and loans, with over 90% of loans directed towards agricultural and small micro-enterprises [4]. Technological Empowerment - The bank is undergoing digital transformation, enhancing its business ecosystem through new core systems and credit management systems - AI technologies are being integrated into key operational areas, improving loan approval efficiency and marketing precision [5]. Future Outlook - Zhangjiagang Bank is positioned for continued high-quality development, leveraging its technological capabilities and regional strengths to meet the financial needs of the agricultural and small business sectors [6].