紫金农商行上半年实现营收23.93亿元，净息差降至1.18%

Group 1 - The core viewpoint of the news is that Zijin Rural Commercial Bank reported its financial performance for the first half of 2025, showing modest growth in revenue and net profit [1] - For the first half of 2025, the bank achieved an operating income of 2.393 billion yuan, a year-on-year increase of 0.49% [1] - The net profit attributable to shareholders reached 912 million yuan, reflecting a year-on-year growth of 0.12% [1] Group 2 - As of the reporting period, the total assets of Zijin Rural Commercial Bank amounted to 272.09 billion yuan, an increase of 0.79% compared to the beginning of the year [1] - The bank's total deposits and loans were 214.81 billion yuan and 191.79 billion yuan, respectively, with increases of 2.31% and 1.56% from the start of the year [1] - Loans to agricultural and small micro enterprises reached 128.38 billion yuan, accounting for 66.9% of the total loan balance [1] Group 3 - The bank's net interest margin stood at 1.18%, which is a decrease of 24 basis points compared to the end of the previous year [1] - The non-performing loan ratio was reported at 1.24%, with a provision coverage ratio of 200.48% [2]