Sou Hu Cai Jing·2025-09-01 02:10Core Viewpoint - The improvement in performance indicators reflects the transformation in the development path of the company, emphasizing "internal high-quality development" which balances social and economic benefits [2][22]. Financial Performance - In the first half of the year, the company achieved operating income of 385.9 billion yuan, a year-on-year increase of 2.95% [6]. - The net interest margin was reported at 1.4%, maintaining a leading position among comparable peers [6]. - The non-performing loan ratio decreased to 1.33%, marking a continuous decline over four years [9]. Digital Transformation - The company enhanced its system capabilities significantly, reducing daily batch processing time by approximately 30% and increasing online transaction processing capacity by about 1.6 times [3][10]. - The number of users for the mobile banking and "CCB Life" platforms reached 533 million, with monthly active users growing by 14.4% [10]. Loan and Credit Growth - Personal consumption loans increased by 16.34%, with a balance of 614.2 billion yuan as of mid-year [13]. - The company maintained its position as a major player in the personal housing loan market, with a balance of 6.15 trillion yuan [15]. Support for Foreign Trade - The company has actively supported foreign trade, with trade financing disbursements reaching 1.38 trillion yuan, a year-on-year increase of 21.55% [18]. - Cross-border RMB settlement volume grew by 23.21% year-on-year, totaling 3.14 trillion yuan [18].