Sou Hu Cai Jing·2025-08-30 08:58Core Viewpoint - The six major banks in China reported their mid-year performance, showing stable growth in revenue and net profit, while also announcing mid-term dividend plans amidst challenges such as declining net interest margins. Financial Performance - Industrial and Commercial Bank of China (ICBC) achieved operating income of 427.09 billion RMB, a growth of 1.6%, and net profit of 168.80 billion RMB, with ROA at 0.67% and ROE at 8.82% [1] - Agricultural Bank of China reported operating income of 369.9 billion RMB and net profit of 139.9 billion RMB, with year-on-year growth of 0.8% and 2.5% respectively [1] - Bank of China recorded operating income of 329.00 billion RMB, a year-on-year increase of 3.76%, and net profit of 126.14 billion RMB, with ROA at 0.70% and ROE at 9.11% [1] - China Construction Bank reported operating income of 394.27 billion RMB, a growth of 2.15%, and net profit of 162.64 billion RMB [1] - Bank of Communications achieved operating income of 133.37 billion RMB, a year-on-year increase of 0.77%, and net profit of 46.02 billion RMB, with a growth of 1.61% [2] - Postal Savings Bank reported operating income of 179.45 billion RMB, a growth of 1.50%, and net profit of 49.42 billion RMB, with a year-on-year increase of 1.08% [2] Dividend Plans - ICBC proposed a mid-term cash dividend of 1.414 RMB per 10 shares, totaling approximately 50.40 billion RMB [2] - Agricultural Bank suggested a cash dividend of 1.195 RMB per 10 shares, amounting to 41.82 billion RMB [2] - Bank of China plans to distribute a cash dividend of 1.094 RMB per 10 shares, totaling 35.25 billion RMB [2] - China Construction Bank proposed a cash dividend of 1.858 RMB per 10 shares, amounting to approximately 48.61 billion RMB [2] - Bank of Communications plans to distribute a cash dividend of 1.563 RMB per 10 shares, totaling 13.81 billion RMB [3] - Postal Savings Bank suggested a cash dividend of 1.230 RMB per 10 shares, totaling approximately 14.77 billion RMB [3] Strategies to Address Net Interest Margin Pressure - Bank of China is focusing on increasing asset allocation, optimizing liability structure, and managing foreign currency funds to counteract interest rate pressures [4] - China Construction Bank is adjusting its asset-liability structure and enhancing pricing management to maintain a reasonable net interest margin [4] Focus on Technology Finance - ICBC is enhancing its technology finance service system and has established 28 AIC equity investment funds, with technology loan balances exceeding 6 trillion RMB [6] - Bank of Communications is building a comprehensive financial service system for technology innovation, providing loans to 68,000 enterprises with a balance exceeding 1.5 trillion RMB [6] - China Construction Bank reported a technology loan balance of 5.15 trillion RMB, with a year-on-year increase of 16.81% [7]