中国银行2025年上半年营收3294亿元 同比增长3.61%

Core Viewpoint - China Bank's mid-year performance for 2025 shows stable financial benefits with a year-on-year revenue increase of 3.61% and a net profit of 126.1 billion yuan, indicating a positive trend compared to the first quarter [1] Financial Performance - The group achieved an operating income of 329.4 billion yuan, with net fee income growing by 9.17% year-on-year [1] - After-tax profit reached 126.1 billion yuan, with after-tax profit attributable to shareholders at 117.6 billion yuan, maintaining stability and showing improvement [1] - Key financial ratios include a net interest margin of 1.26%, average return on assets (ROA) of 0.70%, return on equity (ROE) of 9.11%, and a cost-to-income ratio of 25.11%, all within reasonable ranges [1] Asset and Liability Management - Total assets amounted to 36.79 trillion yuan, reflecting a year-on-year growth of 4.93% [1] - Total liabilities reached 33.66 trillion yuan, with a growth of 4.85% compared to the end of the previous year [1] - The proportion of high-yield assets such as loans and bond investments increased by 2.32 percentage points, while the share of customer deposits in total liabilities rose by 0.78 percentage points [1] Asset Quality - The bank has strengthened asset quality management, with a non-performing loan (NPL) ratio of 1.24% as of June, a decrease of 0.01 percentage points from the beginning of the year [1] - The NPL coverage ratio stands at 197.39%, indicating robust provisions against potential loan losses [1] Loan Growth and Sector Focus - As of June, domestic RMB loans increased by 1.41 trillion yuan, a growth of 7.72% year-to-date [2] - Loans for equipment upgrades exceeded 90 billion yuan, with loans to the manufacturing sector growing by 12.99% year-on-year and loans to strategic emerging industries increasing by 22.92% [2] - Loans to private enterprises increased by 572 billion yuan, reflecting a growth rate of 12.93%, while personal consumption loans grew by 15.42% [2] International Operations - The bank processed international settlement amounts of 2.1 trillion USD and cross-border RMB settlements of 8.5 trillion yuan, representing year-on-year growth of 16.51% and 17.47%, respectively [2] - The bank has enhanced its cross-border e-commerce settlement services, with total transaction volume increasing by 42.10% year-on-year [2]