业绩承压仍分红15.91亿，华夏银行“刀刃向内”待开新局

Core Viewpoint - The new leadership at Huaxia Bank, under Yang Shujian, emphasizes the need for internal reform and adaptation to changing market conditions to enhance competitiveness and growth potential [2][10]. Financial Performance - For the first half of 2025, Huaxia Bank reported operating income of 45.522 billion yuan, a decrease of 5.86% compared to the same period last year [4][3]. - The net profit attributable to shareholders was 11.470 billion yuan, down 7.95% year-on-year [4][3]. - Total assets reached 45,496.25 billion yuan, reflecting a growth of 3.96% from the end of the previous year [4][3]. Profit Distribution - The bank plans to distribute a cash dividend of 1.00 yuan per 10 shares, totaling 15.91 billion yuan, consistent with the previous year's mid-year dividend level [4][8]. Loan and Deposit Growth - Total loans amounted to 24,170.95 billion yuan, increasing by 2.15% from the end of the previous year [4]. - Total deposits reached 23,231.59 billion yuan, marking a growth of 7.99% [4]. Asset Quality - The non-performing loan (NPL) ratio stood at 1.60%, unchanged from the end of the previous year, while the provision coverage ratio was 156.67%, down 5.22 percentage points [5][6]. - Company loan NPLs decreased to 224.35 billion yuan, with a ratio of 1.36%, while personal loan NPLs increased to 162.35 billion yuan, with a ratio of 2.27% [5]. Capital Adequacy - The capital adequacy ratio was reported at 13.07%, with a tier 1 capital ratio of 11.44% and a core tier 1 capital ratio of 9.56%, all meeting regulatory requirements [6]. Revenue Composition - Interest income constituted 67.16% of total revenue, while non-interest income accounted for 32.84% [7]. - Interest income decreased by 3.60% to 30.574 billion yuan, primarily due to a narrowing net interest margin [7]. Strategic Initiatives - The bank is focusing on broadening its service channels and enhancing its product offerings to improve non-interest income and achieve diversified growth [7][10].