Bei Jing Shang Bao·2025-08-29 09:34Core Viewpoint - Minsheng Bank reported a stable growth in operating income and net interest income, while facing a decline in net profit for the first half of 2025 [1][2] Financial Performance - The bank achieved operating income of 72.384 billion yuan, an increase of 5.257 billion yuan, or 7.83% year-on-year [1] - Net interest income reached 49.203 billion yuan, up by 0.621 billion yuan, or 1.28% year-on-year, supported by a stable net interest margin of 1.39%, which increased by 1 basis point [1] - Non-interest income was 23.181 billion yuan, a rise of 4.636 billion yuan, or 25.00% year-on-year, with net fee and commission income at 9.685 billion yuan, increasing by 0.040 billion yuan, or 0.41% [1] Asset and Liability Overview - Total assets amounted to 77,689.21 billion yuan, a decrease of 460.48 billion yuan, or 0.59% from the end of the previous year [2] - Total loans and advances reached 44,698.74 billion yuan, an increase of 193.94 billion yuan, or 0.44%, accounting for 57.54% of total assets, up by 0.59 percentage points [2] - Total liabilities were 70,666.09 billion yuan, down by 917.92 billion yuan, or 1.28%, with total deposits at 43,110.02 billion yuan, increasing by 619.07 billion yuan, or 1.46% [2] Asset Quality - Non-performing loans totaled 66.052 billion yuan, an increase of 4.42 billion yuan, with a non-performing loan ratio of 1.48%, up by 0.01 percentage points [2] - The provision coverage ratio stood at 145.06%, an increase of 3.12 percentage points [2]