Core Viewpoint - Bohai Bank reported its unaudited interim results for the six months ending June 30, 2025, showing a revenue of 14.215 billion yuan, a year-on-year increase of 8.14%, and a net profit of 3.830 billion yuan, up 3.61% year-on-year, indicating a stable growth trajectory in its financial performance [1] Financial Performance - For the first half of 2025, Bohai Bank achieved an operating income of 14.215 billion yuan, representing an 8.14% increase year-on-year [1] - The net profit for the same period was 3.830 billion yuan, reflecting a year-on-year growth of 3.61% [1] - The cost-to-income ratio improved to 32.17%, a decrease of 4.10 percentage points compared to the previous year [1] - As of June 30, 2025, the total assets reached 1.82 trillion yuan, while total liabilities stood at 1.71 trillion yuan [1] Technological Financial Empowerment - Bohai Bank has focused on technology finance as a key driver for new productivity, targeting sectors such as commercial aerospace, brain-computer interfaces, synthetic biology, AI, and humanoid robots [2] - The bank's loans to technology enterprises reached 71.252 billion yuan, a significant increase of 51.28% from the end of the previous year [2] - The issuance of 5 billion yuan in technology innovation bonds supports the bank's commitment to financing technology innovation, with a total of 31.47 billion yuan in bonds underwritten since the policy's introduction [2] Green Finance Initiatives - Bohai Bank is committed to green finance, with a focus on industries like AI, new information technology, renewable energy, new materials, and automotive sectors [2] - The balance of green loans reached 49.902 billion yuan, marking a 15.02% increase from the end of the previous year [2] - The bank's self-investment in green bonds amounted to 10.8 billion yuan, a 57% year-on-year increase, while Bohai Wealth Management invested 3.09 billion yuan in green bonds, up 224% year-on-year [2] Inclusive Finance Development - Bohai Bank has developed a comprehensive inclusive finance product system, focusing on small and micro enterprises [3] - As of June 30, 2025, the balance of inclusive loans was 56.430 billion yuan, a 2.1% increase from the previous year, with over 140,000 inclusive loan customers, a 9.65% increase [3] Pension Finance Services - The bank is enhancing its services in the third pillar of the national pension system, developing personal pension account products and optimizing the "Bohai E-Finance" pension product system [3] - Bohai Bank aims to create a unique pension ecosystem to meet diverse and high-quality modern pension needs in China [3] Digital Financial Transformation - Bohai Bank is advancing its digital transformation through AI, big data, and cloud computing, enhancing its IT infrastructure and developing a new generation of distributed core systems [4] - The bank is implementing an "AI Application Project" to create a collaborative algorithm system and has launched various digital services to improve financial service efficiency [4]
渤海银行发布2025年半年报