兴业银行上半年实现营收1104.58亿元，归母净利润增速较一季度由负转正

Core Viewpoint - Industrial Bank reported a slight decline in operating income but a modest increase in net profit, indicating a stabilization in financial performance despite challenging market conditions [1] Financial Performance - The bank achieved operating income of 110.46 billion yuan, a year-on-year decrease of 2.29%, with the decline narrowing by 1.29 percentage points compared to the first quarter [1] - Net profit attributable to shareholders reached 43.14 billion yuan, reflecting a year-on-year growth of 0.21%, with the growth rate turning positive from a negative in the first quarter [1] Asset and Liability Management - Total assets amounted to 10.61 trillion yuan, representing a growth of 1.01% from the end of the previous year [1] - Customer deposit balance was 5.87 trillion yuan, an increase of 6.10% from the end of the previous year [1] - The interest rate on deposits was 1.76%, down 22 basis points from the previous year, while the same for interbank deposits also stood at 1.76%, decreasing by 47 basis points [1] - The average cost rate of interest-bearing liabilities was 1.86%, down 31 basis points from the previous year [1] Asset Quality - Non-performing loan balance was 63.49 billion yuan, an increase of 2.02 billion yuan from the end of the previous year, with a non-performing loan ratio of 1.08%, unchanged from the first quarter but up 0.01 percentage points from the end of the previous year [1] - The provision coverage ratio was 228.54%, indicating a sufficient level of provisions [1] - The core Tier 1 capital adequacy ratio was 9.54%, up 0.06 percentage points from the same period last year [1]