Sou Hu Cai Jing·2025-08-30 10:53Core Viewpoint - The banking sector demonstrated stability and resilience in the first half of 2025, with a focus on supporting the real economy while transitioning from reliance on interest income to diversified revenue streams [1][3]. Financial Performance - A total of 42 A-share listed banks achieved operating income exceeding 2.9 trillion yuan, a year-on-year increase of over 1%, and a net profit attributable to shareholders of 1.1 trillion yuan, up 0.8% year-on-year [1]. - The six major state-owned banks reported a combined operating income of 1.8 trillion yuan and a net profit of 682.52 billion yuan in the first half of 2025, with Agricultural Bank, Bank of Communications, and Postal Savings Bank achieving growth in both revenue and net profit [1][3]. Asset Quality and Growth - As of June 30, 2025, the total asset scale of the six major banks reached approximately 214 trillion yuan, a growth of about 7% compared to the end of the previous year [3][5]. - The Industrial and Commercial Bank of China (ICBC) led with an asset scale of 52 trillion yuan, maintaining leadership in customer loans and deposits [3]. Dividend Distribution - The six major state-owned banks announced a total cash dividend exceeding 204.66 billion yuan for the first half of 2025, with ICBC proposing a distribution of 1.414 yuan per 10 shares, totaling approximately 50.4 billion yuan [8][10]. Digital Transformation - The application of artificial intelligence (AI) has become a key driver for the banks' transformation strategies, with various banks launching initiatives to integrate AI into their operations [10][11]. - As of June 30, 2025, ICBC introduced over 100 AI application scenarios, while Postal Savings Bank integrated over 230 scenarios across its business lines [11]. Lending to the Real Economy - The total loan balance of 42 A-share listed banks reached approximately 180 trillion yuan, reflecting a year-on-year growth of about 6%, with state-owned banks being the main contributors [12]. - Agricultural Bank reported a loan and advance total of 26.73 trillion yuan, with significant growth in manufacturing loans (17.1%), green loans (14.6%), and inclusive loans (17.9%) [12].