上海银行上半年营收盈利双增长，分红比例持续提升

Core Insights - Shanghai Bank reported a revenue of 27.344 billion yuan for the first half of 2025, representing a year-on-year growth of 4.18% [1] - The net profit for the same period was 13.231 billion yuan, with a year-on-year increase of 2.02% [1] - As of the end of June 2025, total assets reached 3.29 trillion yuan, marking a growth of 2.08% compared to the end of the previous year [1] Financial Performance - The total amount of customer loans and advances reached 1.44 trillion yuan by the end of June 2025, an increase of 2.22% from the end of the previous year [1] - The balance of technology loans grew by 8.05%, with over 10,000 enterprises receiving such loans, including more than 2,900 specialized and innovative enterprises and over 4,500 high-tech enterprises [1] - The bank maintained its leading market share in pension clients in Shanghai, with 1.5941 million pension customers as of June 2025 [1] Risk Management - Shanghai Bank has been enhancing its credit risk management system, effectively controlling new non-performing loans while increasing efforts to resolve existing risks [1] - The non-performing loan ratio stood at 1.18% as of June 2025, unchanged from the end of the previous year, indicating stable asset quality [1] - The non-performing loan ratio for corporate loans continued to decline, showing a positive trend, while retail non-performing loans have been decreasing [1] Dividend Policy - In response to policies aimed at enhancing investor returns, Shanghai Bank implemented a mid-term dividend for the first time in 2024, with the mid-term dividend ratio increased to 32.22% in 2025 [2]