HUA XIA BANK(SH:600015) Xin Hua Cai Jing·2025-08-28 14:31Core Viewpoint - Huaxia Bank reported a decline in revenue and net profit for the first half of 2025, while showing growth in total assets, loans, and deposits compared to the end of the previous year [2][3]. Financial Performance - The bank's operating income for the first half of 2025 was 45.522 billion yuan, a decrease of 2.832 billion yuan or 5.86% year-on-year, with a narrowing decline compared to the first quarter [2]. - Net profit attributable to shareholders was 11.470 billion yuan, down 999 million yuan or 7.95% year-on-year, also showing a narrowing decline compared to the first quarter [2]. - The asset return rate was 0.26%, and the weighted average return on equity was 3.42% [2]. Asset and Liability Management - As of June 30, 2025, total assets reached 4,549.625 billion yuan, an increase of 173.134 billion yuan or 3.96% from the end of the previous year [2]. - Total loans amounted to 2,417.095 billion yuan, up 50.778 billion yuan or 2.15% [2]. - Total deposits were 2,323.159 billion yuan, increasing by 171.789 billion yuan or 7.99% [2]. - The bank focused on supporting key sectors such as private economy, manufacturing, and rural revitalization, with significant growth in loans to technology enterprises and green loans [3]. Deposit and Funding Strategy - The bank enhanced deposit marketing and expanded sources of deposit growth, with the deposit ratio reaching 51.06%, up 1.90 percentage points from the end of the previous year [3]. - The proportion of demand deposits was 32.95%, an increase of 0.56 percentage points [3]. - The bank issued 10 billion yuan in technology innovation bonds, managing scale, interest rates, and issuance rhythm prudently [3]. Asset Quality - The non-performing loan ratio stood at 1.60%, unchanged from the end of the previous year [4]. - The provision coverage ratio was 156.67%, down 5.22 percentage points [4]. - The loan provision ratio was 2.51%, a slight decrease of 0.08 percentage points [4].