Zheng Quan Shi Bao·2025-08-29 19:49Core Viewpoint - The banking sector demonstrated stability and resilience in the first half of 2025, achieving a revenue of over 2.9 trillion yuan and a net profit of 1.1 trillion yuan, while focusing on supporting the real economy and preparing for digital transformation [1] Group 1: Financial Performance - A total of 42 A-share listed banks reported a revenue exceeding 2.9 trillion yuan, with a year-on-year growth of over 1% [1] - The net profit attributable to shareholders reached 1.1 trillion yuan, reflecting a year-on-year increase of 0.8% [1] - The six major state-owned banks collectively achieved a revenue of 1.8 trillion yuan and a net profit of 682.52 billion yuan in the first half of 2025 [3] Group 2: Asset and Liability Management - The total asset scale of the six major banks reached approximately 214 trillion yuan, an increase of about 7% compared to the end of the previous year [3] - The total asset scale of nine listed joint-stock banks was approximately 72 trillion yuan, growing by 2.37% [3] - The Industrial and Commercial Bank of China (ICBC) reported an asset scale of 52 trillion yuan, leading the industry in customer loans and deposits [3] Group 3: Dividend Distribution - The six major state-owned banks announced a total cash dividend exceeding 204.65 billion yuan for the first half of 2025 [2][4] Group 4: Digital Transformation - The application of artificial intelligence (AI) has become a key driver for the banks' transformation, with various banks launching AI initiatives and projects [5] - ICBC has initiated the "AI+" action, while Agricultural Bank of China is advancing its "AI+" applications [5] - By the end of June, ICBC had implemented over 100 AI application scenarios across key business areas [5] Group 5: Credit Growth and Focus on Real Economy - The total loan balance of 42 A-share listed banks reached approximately 180 trillion yuan, with a year-on-year growth of about 6% [6] - State-owned banks are the main contributors to credit issuance, with a loan balance exceeding 120 trillion yuan, growing by 6.59% [6] - Agricultural Bank of China reported a loan and advance total of 26.73 trillion yuan, with significant growth in manufacturing, green loans, and inclusive loans [7]