交行上半年营收、净利润双增，不良率降至1.28%

Core Viewpoint - The report highlights the financial performance and strategic initiatives of the Bank of Communications for the first half of 2025, showcasing stable asset growth and a commitment to supporting the real economy through various financial services. Financial Performance - As of the end of the reporting period, the total assets of the group reached 15.44 trillion yuan, an increase of 3.59% compared to the end of the previous year [1] - The group achieved operating income of 133.368 billion yuan and a net profit attributable to shareholders of 46.016 billion yuan, representing year-on-year growth of 0.77% and 1.61% respectively [1] Support for the Real Economy - The group has focused on supporting national strategies and key sectors, with a customer loan balance of 9.00 trillion yuan, up 5.18% from the previous year [2] - Technology loans, inclusive small and micro loans, and loans for the elderly industry all grew at rates exceeding the average loan growth of the group [2] - The balance of technology loans surpassed 1.5 trillion yuan, with the number of supported enterprises increasing by 11.12% year-on-year [2] Green Finance Initiatives - The bank has integrated green development concepts into its business processes, establishing green finance centers in multiple branches [3] - The balance of energy-saving and carbon-reduction industry loans grew by 6.58% year-on-year, with a total issuance of green financial bonds reaching 145 billion yuan [3] Inclusive Finance Expansion - The balance of inclusive loans reached 852.401 billion yuan, reflecting a year-on-year increase of 12.96% [3] - The bank has enhanced its service model for small and micro enterprises and rural revitalization through digital means [3] Pension Finance Development - The bank aims to create a senior-friendly banking environment, with loans in the elderly industry increasing by 21.39% year-on-year [4] - The bank's pension fund management and related services have seen significant growth, positioning it among the industry leaders [4] Digital Finance Empowerment - A digital operation center has been established to enhance the bank's digital capabilities, with loans in the core digital economy exceeding 286 billion yuan [4] - Internet loans grew by 8.52% compared to the previous year [4] Capital Strengthening - The bank completed the issuance of approximately 14.1 billion shares, raising 120 billion yuan to strengthen its core capital [7] - The non-performing loan ratio stood at 1.28%, a decrease of 0.03 percentage points from the previous year [7] Strategic Focus for the Future - The management emphasizes the commitment to serving the real economy and maintaining financial stability, aiming to contribute to national economic development goals [8]