兴业银行: 兴业银行2025年半年度报告摘要

Core Viewpoint - The company reported a slight decline in operating income and net interest income for the first half of 2025, while achieving a modest increase in net profit attributable to shareholders compared to the same period last year [11][12]. Financial Performance - Operating income for the first half of 2025 was RMB 110,458 million, a decrease of 2.29% compared to RMB 113,043 million in the same period of 2024 [11][13]. - Net interest income was RMB 73,755 million, down 1.52% from RMB 74,891 million year-on-year [11][13]. - Non-interest income decreased by 3.80%, totaling RMB 36,703 million compared to RMB 38,152 million in the previous year [11][12]. - The total profit amounted to RMB 50,558 million, reflecting a 3.30% increase from RMB 48,942 million [11][12]. - Net profit attributable to shareholders was RMB 43,141 million, showing a slight increase of 0.21% from RMB 43,049 million [11][12]. Asset and Liability Management - Total assets reached RMB 10,614,376 million, representing a growth of 1.01% from RMB 10,507,898 million at the end of the previous year [2][10]. - Total loans amounted to RMB 5,903,433 million, an increase of 2.91% from RMB 5,736,610 million [2][10]. - Total deposits were RMB 5,869,830 million, up 6.10% from RMB 5,532,333 million [2][10]. Asset Quality - The non-performing loan (NPL) balance was RMB 634,930 million, an increase of RMB 20,160 million compared to the previous year [11][12]. - The NPL ratio stood at 1.08%, up 0.01 percentage points from 1.07% at the end of the previous year [11][12]. - The provision coverage ratio decreased to 228.54%, down 9.24 percentage points from 237.78% [11][12]. Capital Adequacy - The capital adequacy ratio was reported at 14.18%, an increase from 13.84% at the end of the previous year [3]. - The Tier 1 capital adequacy ratio was 11.30%, up from 10.86% [3]. Shareholder Information - The total number of ordinary shareholders was 191,266, with the largest shareholder being Fujian Financial Investment Co., Ltd., holding 16.59% of the shares [5][8]. - The top ten shareholders collectively held 20.57% of the total shares [5][8].