Zheng Quan Ri Bao·2025-08-29 15:53Core Insights - The six major state-owned banks in China reported stable and balanced operating indicators for the first half of 2025, with a total net profit of approximately 682.52 billion yuan [1][2] Group 1: Financial Performance - The total net profit for the six banks reached about 682.52 billion yuan, with Agricultural Bank, Postal Savings Bank, and Bank of Communications showing year-on-year growth in both revenue and net profit [1] - Industrial and Commercial Bank of China (ICBC) led with a net profit of 168.10 billion yuan, followed by China Construction Bank with 162.08 billion yuan, and Agricultural Bank with 139.51 billion yuan, marking the highest growth rate of 2.70% [2] - All six banks achieved year-on-year revenue growth, with China Bank leading at 3.76%, followed by China Construction Bank at 2.15%, and ICBC at 1.60% [2] Group 2: Asset Quality - As of June 2025, five banks reported a decrease in non-performing loan (NPL) ratios compared to the end of 2024, with Postal Savings Bank having the lowest NPL ratio at 0.92% [3] - Capital adequacy ratios improved for three banks, with ICBC, Bank of Communications, and Postal Savings Bank seeing increases of 0.15, 0.57, and 0.13 percentage points, respectively [3] Group 3: Dividend Plans - All six major banks announced plans for mid-term cash dividends, with ICBC proposing a distribution of 1.414 yuan per 10 shares, Agricultural Bank 1.195 yuan, and China Bank 1.094 yuan [4]