半年报看板｜上海银行上半年营收盈利双增长，分红比例持续提升

Group 1 - The core viewpoint of the news is that Shanghai Bank has shown stable growth in its financial performance for the first half of 2025, with a focus on key areas such as technology finance, inclusive finance, and green finance [1] - Shanghai Bank achieved an operating income of 27.344 billion yuan, a year-on-year increase of 4.18%, and a net profit of 13.231 billion yuan, a year-on-year increase of 2.02% [1] - As of the end of June 2025, total assets reached 3.29 trillion yuan, reflecting a growth of 2.08% compared to the end of the previous year [1] Group 2 - The total amount of customer loans and advances reached 1.44 trillion yuan, with a year-on-year growth of 2.22% [1] - The balance of technology loans increased by 8.05%, with over 10,000 enterprises receiving technology loans, including more than 2,900 specialized and innovative enterprises and over 4,500 high-tech enterprises [1] - Shanghai Bank has positioned itself as a "pension financial service expert," with 1.5941 million pension customers, maintaining the largest market share in the Shanghai region [1] Group 3 - The bank has been enhancing its credit risk management system, effectively controlling new non-performing loans while increasing efforts to resolve existing risks, resulting in stable asset quality [1] - As of June 2025, the non-performing loan ratio stood at 1.18%, unchanged from the end of the previous year, with a continuous decline in corporate loan non-performing rates and a decrease in retail non-performing loan generation [1] Group 4 - Shanghai Bank has responded to policies aimed at enhancing investor returns by implementing a mid-term dividend for the first time in 2024, with the mid-term dividend ratio further increased to 32.22% in 2025 [2]