Core Viewpoint - China Bank reported a revenue of 329.4 billion yuan for the first half of 2025, marking a year-on-year growth of 3.61% and a net profit of 117.59 billion yuan, indicating resilience amid global economic adjustments and domestic transformation efforts [1] Financial Performance - Total assets reached 36.79 trillion yuan, up 4.93% from the end of the previous year, while total liabilities increased by 4.85% to 33.66 trillion yuan [1] - Customer deposits grew by 8.50% year-on-year, totaling nearly 25.64 trillion yuan, with the proportion of customer deposits to liabilities rising by 0.78 percentage points [1] Strategic Initiatives - China Bank aims to implement a "Five Major Articles" strategy to enhance high-quality development, focusing on aligning financial supply with the real economy's needs [1] - The bank's technology loan balance reached 4.59 trillion yuan, with a growth rate of 13.18%, and it has introduced innovative products like "bond-loan linkage" [2] Green Finance - The green loan balance stood at 4.54 trillion yuan, reflecting a significant increase of 16.95% from the previous year, positioning China Bank as a leader in green finance among domestic banks [4] - The bank has actively participated in green bond issuance and has been involved in setting green bond standards [4][5] Inclusive Finance - The balance of inclusive loans for small and micro enterprises exceeded 2.65 trillion yuan, with a year-to-date growth of 16.39%, and the number of loan clients surpassed 1.72 million [6] - Agricultural loans reached 2.87 trillion yuan, with a growth rate of 14.69% [6] Digital Transformation - The monthly active users of the mobile banking app increased by 8.59% year-on-year, and the bank is leading in digital currency transactions [9] - China Bank is actively involved in digital currency initiatives and has completed cross-border payment transactions using digital currencies [9] Pension Finance - The bank has developed a comprehensive pension finance service system, focusing on cross-border and age-friendly services, and has launched various products to meet the needs of the elderly population [8] Overall Development Strategy - China Bank's transformation reflects a synchronization with China's economic structure transition, emphasizing a comprehensive approach to financial services that supports modernization [10] - The bank reported a non-performing loan ratio of 1.24%, a slight decrease from the beginning of the year, indicating effective risk management [10]
中行2025年中报出炉：以“五篇大文章”为引擎，展现服务实体经济硬实力