Xin Hua Cai Jing·2025-08-29 11:56Core Insights - In the first half of 2025, the company reported an operating income of 65.92 billion yuan and a net profit of 24.74 billion yuan, reflecting a year-on-year growth of 0.5% [2] - As of June 30, 2025, the total assets of the company reached 7,238.6 billion yuan, a 4.0% increase from the end of the previous year [2] - The total loan amount was 4,084.1 billion yuan, up 3.8% year-on-year, with the basic loan amount (excluding discounts) at 3,991.1 billion yuan, increasing by 5.6% [2] - The total liabilities amounted to 6,641.4 billion yuan, a 4.3% increase, with deposits reaching 4,253.2 billion yuan, up 5.4% [2] Financial Performance - The company has optimized its asset-liability structure, with the proportion of basic loans in total assets increasing by 0.8 percentage points to 55.1% [2] - The cost of deposits improved by 34 basis points year-on-year, with corporate and retail deposit costs improving by 36 basis points and 32 basis points respectively [2] - The net interest margin remained stable at 1.40%, unchanged from the first quarter [2] Asset Quality - As of June 30, 2025, the non-performing loan ratio was 1.25%, unchanged from the end of the previous year, with a provision coverage ratio of 172.47% [3] - The loan provision ratio stood at 2.15%, and the attention rate improved by 0.04 percentage points to 1.80% [3] - The overdue rate improved by 0.07 percentage points to 1.95%, while the capital adequacy ratio, tier 1 capital adequacy ratio, and core tier 1 capital adequacy ratio were 13.53%, 11.55%, and 9.49% respectively, continuing to meet regulatory requirements [3]