Core Viewpoint - Dongguan Rural Commercial Bank reported a decline in both operating income and net profit for the six months ending June 30, 2025, primarily due to a decrease in operating revenue [1] Financial Performance - The group achieved operating income of RMB 5.501 billion, a year-on-year decrease of 14.02% [1] - The net profit was RMB 2.628 billion, reflecting a year-on-year decline of 22.22% [1] Asset and Deposit Growth - As of the end of the reporting period, total assets amounted to RMB 760.445 billion, an increase of RMB 14.541 billion, or 1.95% from the previous year [1] - Total deposits reached RMB 532.364 billion, up by RMB 12.116 billion, representing a growth of 2.33% [1] Loan Portfolio - The total loan balance was RMB 394.415 billion, which increased by RMB 13.370 billion, marking a growth of 3.51% [1] Asset Quality Indicators - The non-performing loan ratio stood at 1.87% [1] - The provision coverage ratio was 190.56% [1] - Capital adequacy ratio and Tier 1 capital ratio were 15.92% and 13.80% respectively, all meeting regulatory standards [1]
东莞农商银行(09889.HK)中期净利润26.28亿元 同比降幅22.22%