Xin Lang Cai Jing·2025-09-01 05:00Core Viewpoint - The overall fee and commission income of the bank is under pressure, primarily due to a decline in credit card business revenue [1] Group 1: Credit Card Business - Credit card transaction volume for the bank exceeded 2 trillion, but decreased by 8.3% compared to last year [1] - The market share of credit card transactions increased by 0.3 percentage points [1] - The decline in credit card revenue by 16% is attributed to the overall sluggish growth in the consumer market [1] - Despite an increase in the number of credit card customers, the average spending per customer and per transaction has decreased, leading to negative revenue growth [1] Group 2: Wealth Management - The bank's wealth management income has achieved positive growth for the first time in three years, with an increase of over 11% [1] - Revenue from the sale of financial products, trusts, and funds has grown rapidly, becoming a highlight of the bank's fee and commission income in the first half of the year [1]