Zhi Tong Cai Jing·2025-08-29 09:32Core Viewpoint - China Bank reported a stable performance in the first half of 2025, with a slight increase in revenue but a decrease in net profit, indicating a mixed financial outlook for the bank [1] Financial Performance - Operating income reached 329.42 billion yuan, a year-on-year increase of 3.61% [1] - Net profit attributable to shareholders was 117.59 billion yuan, a decrease of 0.85% year-on-year [1] - Total assets amounted to 36,790.61 billion yuan, growing by 4.93% compared to the end of the previous year [1] - Total liabilities were 33,664.95 billion yuan, an increase of 4.85% from the end of the previous year [1] - Average return on total assets (ROA) was 0.70%, and return on equity (ROE) was 9.11% [1] Credit and Loan Growth - Domestic RMB loans increased by 1.41 trillion yuan, a growth of 7.72% year-on-year [2] - Loans to the manufacturing sector grew by 12.99% compared to the end of the previous year [2] - Loans to private enterprises increased by 12.93% year-on-year [2] Financial Services and Support - The bank is actively supporting high-quality economic development through optimized financial services [2] - It has enhanced its support for the real estate market to stabilize and meet housing demands [2] Risk Management - The non-performing loan ratio was 1.24%, a decrease of 0.01 percentage points from the end of the previous year [5] - The non-performing loan provision coverage ratio was 197.39% [5] - Capital adequacy ratio reached 18.67% as of June [5] Digital Transformation - The bank has accelerated its digital transformation, with a total of 40,000 cloud platform servers [6] - The application of artificial intelligence has been expanded across over 100 scenarios [6] International Operations - The bank's international settlement volume reached 2.1 trillion USD, a year-on-year increase of 16.51% [4] - The bank maintains a leading position in cross-border RMB clearing volume [4]