智通财经网·2025-08-29 10:23Core Viewpoint - China Everbright Bank reported a mixed performance for the first half of 2025, with operating income decreasing by 5.6% year-on-year, while net profit attributable to shareholders increased by 0.55% [2] Financial Performance - Operating income for the period was 65.951 billion RMB, down from the previous year [2] - Net profit attributable to shareholders reached 24.622 billion RMB, showing a slight increase [2] - Basic earnings per share stood at 0.38 RMB [2] Business Development Initiatives - The bank established 16 "Innovation Financial Centers" and created 64 specialized technology financial institutions, with loans to technology enterprises growing by 9.88% compared to the end of the previous year [2] - Green loans increased by 12.37% year-on-year, supporting traditional industries in their green and low-carbon transitions [2] - The bank expanded its inclusive finance product system, with inclusive loans and agricultural loans growing by 3.95% and 9.18% respectively [2] Support for Key Sectors - The bank launched a "Service for Private Enterprises" action plan, with medium to long-term loans for manufacturing and strategic emerging industries increasing by 7.61% and 19.11% respectively [3] - A total of 33,400 enterprises were approved for financing, resulting in a loan disbursement of 213.469 billion RMB [3] - Real estate financing mechanisms were implemented, approving 343 projects with a total loan disbursement of 113.348 billion RMB [3] Product and Service Differentiation - The bank enhanced its retail offerings with products like "Sunshine Wealth" and "Sunshine Selection," managing a total of 1.8 trillion RMB in wealth management products [4] - The bank maintained its market position in bond underwriting and continued to develop its investment banking services [4] - Cross-border financial services were strengthened, focusing on supply chain financing [4] Risk Management - The bank implemented a comprehensive risk control system, emphasizing early identification and management of risks [4] - Key areas of risk management included retail credit, credit cards, real estate, and local government financing platforms [4] - The bank also focused on enhancing collection efficiency and managing overseas risks [4]