Xin Hua Cai Jing·2025-08-29 14:41Core Viewpoint - The report highlights the financial performance and strategic direction of Bank of Communications, emphasizing its commitment to supporting the real economy and enhancing financial services through digital transformation and targeted financial products [2][3]. Financial Performance - As of June 2025, the total assets of Bank of Communications reached 15.44 trillion yuan, an increase of 3.59% compared to the end of the previous year [2]. - The bank achieved an operating income of 133.368 billion yuan and a net profit of 46.016 billion yuan in the first half of the year, representing year-on-year growth of 0.77% and 1.61%, respectively [2]. - The customer loan balance reached 9 trillion yuan, growing by 5.18% from the end of the previous year [2]. Strategic Focus - The bank's president outlined five key strategic directions: 1. Implementing the central financial work conference's directives, focusing on technology finance, green finance, inclusive finance, pension finance, and digital finance [3]. 2. Leveraging its Shanghai headquarters to enhance technology finance capabilities and support the construction of five centers in Shanghai [3]. 3. Deepening digital transformation and embedding financial services into digital scenarios [3]. 4. Enhancing customer base through a "strong, stable, large, and expanding small" strategy [3]. 5. Strengthening risk management and compliance to adapt to external uncertainties [3]. Digital Transformation - The establishment of a digital operation center aims to create a smart-driven financial business operation system, enhancing collaboration between online and offline services [2]. - By the end of June, the bank's loans to core industries in the digital economy exceeded 286 billion yuan, with internet loans increasing by 8.52% compared to the previous year [2]. Dividend Policy - In the first half of 2025, the bank distributed a cash dividend of 1.563 yuan per 10 shares (including tax), totaling 13.81 billion yuan, which accounts for 31.2% of the net profit attributable to shareholders [4]. - The bank has maintained a dividend payout ratio exceeding 30% for 14 consecutive years, indicating a commitment to stable and predictable returns for shareholders [4].