Core Viewpoint - Bohai Bank reported a steady growth in its financial performance for the first half of 2025, with a focus on high-quality development and enhanced financial services to support the real economy [1][5]. Financial Performance - For the first half of 2025, Bohai Bank achieved an operating income of 14.215 billion yuan, a year-on-year increase of 8.14% - The net profit for the same period was 3.830 billion yuan, reflecting a year-on-year growth of 3.61% - The cost-to-income ratio improved to 32.17%, down by 4.10 percentage points compared to the previous year [1][5][8]. Asset and Liability Management - As of June 30, 2025, the total assets of Bohai Bank reached 1.8238 trillion yuan, while total liabilities stood at 1.7104 trillion yuan - The bank's loan and advance total was 954.422 billion yuan, with deposits amounting to 1.004185 trillion yuan [7][8]. Sector Focus and Strategic Initiatives - Bohai Bank emphasized its commitment to supporting key sectors such as technology innovation, advanced manufacturing, green development, and agriculture, with loan growth rates in these areas surpassing general loan growth [5][9]. - The bank has actively engaged in technology finance, with loans to technology enterprises reaching 71.252 billion yuan, a 51.28% increase from the previous year [2]. Green Finance and Sustainable Development - The green loan balance as of June 30, 2025, was 49.902 billion yuan, up 15.02% from the previous year - Bohai Bank invested 10.8 billion yuan in green bonds, marking a 57% increase year-on-year [3]. Digital Transformation - The bank is advancing its digital transformation through the implementation of AI, big data, and cloud computing technologies, enhancing its IT infrastructure and financial service capabilities [6]. Risk Management - As of June 30, 2025, the bank's non-performing asset disposal efforts led to a provision coverage ratio of 159.70%, an increase of 4.51 percentage points from the beginning of the year [9].
渤海银行发布2025年半年报：营收净利双增长，彰显韧性发展定力