智通财经网·2025-08-28 17:19Core Viewpoint - Zhejiang Zheshang Bank (601916.SH) reported a decline in revenue and net profit for the first half of 2025, indicating challenges in financial performance [1] Financial Performance - The bank achieved a revenue of 33.248 billion yuan, a year-on-year decrease of 5.76% [1] - The net profit attributable to shareholders was 7.667 billion yuan, down 4.15% year-on-year [1] - The net profit after deducting non-recurring items was 7.752 billion yuan, reflecting a decrease of 3.33% year-on-year [1] - Basic earnings per share stood at 0.28 yuan [1] Asset Quality - The non-performing loan ratio was 1.36%, a decrease of 0.02 percentage points compared to the end of the previous year [1] - The provision coverage ratio was 169.78%, down 8.89 percentage points from the end of the previous year [1] - The loan provision ratio was 2.31%, a decrease of 0.15 percentage points compared to the end of the previous year [1] Capital Adequacy - The capital adequacy ratio was 12.31%, down 0.30 percentage points from the end of the previous year [1] - The Tier 1 capital adequacy ratio was 9.62%, an increase of 0.01 percentage points compared to the end of the previous year [1] - The core Tier 1 capital adequacy ratio was 8.39%, also up by 0.01 percentage points from the end of the previous year [1]