六大行半年报出炉，平均每天净赚约37.8亿元

Core Viewpoint - The six major state-owned banks in China reported mixed financial results for the first half of 2025, with total assets increasing but net profits showing both growth and decline among different banks [1][3]. Group 1: Financial Performance - The total assets of the six major state-owned banks continued to grow, with the Industrial and Commercial Bank of China (ICBC) surpassing 52 trillion yuan in total assets [1]. - The combined net profit for the six banks was 684.1 billion yuan, averaging approximately 37.8 billion yuan in daily net profit over the first half of the year [1]. - Agricultural Bank of China, Postal Savings Bank, and Bank of Communications achieved positive net profit growth, with Agricultural Bank leading at a growth rate of 2.7% [3]. Group 2: Revenue and Profitability - ICBC and China Construction Bank are in a competitive race for the title of "profit king," with ICBC reporting a net profit of 168.1 billion yuan and China Construction Bank at 162.6 billion yuan, a difference of less than 5.5 billion yuan [3]. - In terms of revenue growth, China Bank had the highest increase at 3.61%, followed by China Construction Bank at 2.95% [3]. - All six banks announced mid-term dividend plans, with total expected dividends exceeding 200 billion yuan [3]. Group 3: Credit and Risk Management - The state-owned banks have made significant progress in optimizing credit structures and increasing support for the real economy, with notable growth in loans to key sectors such as manufacturing, green finance, and inclusive finance [3]. - The overall asset quality of the state-owned banks remained stable, with a low non-performing loan ratio and high provision coverage ratio, indicating strong risk mitigation capabilities [4]. - Moving forward, the banks will focus on key areas such as manufacturing, green finance, inclusive finance, and technology finance, while enhancing policy guidance and risk control measures [3][4].