SRCB(SH:601825) Ge Long Hui A P P·2025-08-30 16:49Core Points - The core viewpoint of the article highlights the financial performance of Shanghai Rural Commercial Bank for the first half of 2025, indicating a slight decline in revenue but a modest increase in net profit [1] Financial Performance - The bank achieved an operating income of 13.444 billion yuan, a year-on-year decrease of 3.40% [1] - The net profit attributable to shareholders was 7.013 billion yuan, reflecting a year-on-year increase of 0.60% [1] - As of the end of June, the total assets amounted to approximately 1.549 trillion yuan, representing a growth of 4.14% compared to the end of the previous year [1] Asset Quality - The non-performing loan ratio stood at 0.97%, remaining stable compared to the end of the previous year [1] - The provision coverage ratio reached 336.55%, indicating strong risk compensation capability [1] Dividend Policy - The bank continued its high dividend strategy, distributing a cash dividend of 2.41 yuan per 10 shares (tax included), totaling 2.324 billion yuan (tax included) [1] - The mid-term dividend payout ratio reached 33.14%, an increase of 7 basis points compared to the mid-term of 2024 [1] Asset and Liability Overview - Total loans and advances amounted to 774.164 billion yuan, reflecting a growth of 2.51% from the end of the previous year [1] - Total liabilities reached 1.4184 trillion yuan, an increase of 4.31% compared to the end of the previous year [1] - The total deposits amounted to 1.109017 trillion yuan, growing by 3.44% from the end of the previous year [1]